Breet is a multi-product crypto app: it sells, buys and swaps crypto, and adds cards, bill payments, a USD wallet and invoicing. Monica is a sell-only off-ramp: you send crypto and the naira goes to your bank. Here is how the two compare on the things that decide where your money goes, checked against breet.io and help.breet.io in October 2026.
Checked October 2026
| What matters | Monica | Breet |
|---|---|---|
| How you sell | Copy your address, send, done. No sell button. | Tap "Sell", pick the coin, copy your Breet address and send. Proceeds are credited "after the required blockchain confirmations are completed"; bank payout is a separate withdrawal unless you set up automatic settlement (help.breet.io). |
| Payout to your bank | Within 60 seconds of on-chain confirmation | Wallet, Withdraw, Bank Account, from your NGN balance (help.breet.io). Play listing: "Fast payouts, usually under 2 minutes" (Google Play). |
| Fees | 0% conversion, 0% withdrawal. Free deposits on USDT, USDC, ETH, SOL, TRX and BNB; flat $2 on Bitcoin. | 1.5% on sells, shown in the Breet app (checked October 2026). breet.io publishes no sell-fee figure; its help centre says rates "vary by transaction volume" (sell article) and "A ₦50 fee applies to all Naira withdrawals" (withdrawal article). |
| Coins and networks | 7 coins: BTC, USDT, USDC, ETH, SOL, TRX, BNB | 13 coins for selling: BTC, LTC, DOGE, BCH, ETH, TRX, BNB, AVAX, SOL, XRP, TON, USDT (TRON, Ethereum, Solana, TON, BSC, Polygon) and USDC (Ethereum, Polygon, Base, BSC, Arbitrum, Solana) (help.breet.io). |
| Minimum deposit | No minimum deposit | Not published on breet.io (checked October 2026). Minimum naira withdrawal is ₦2,000 (help.breet.io). |
| Counterparty | None. Monica pays from its own settlement account. | None stated. "Any crypto sent to it is automatically converted to Naira" (help.breet.io); listing: "No P2P, no middlemen" (Google Play). |
| Google Play reviews | 4.5★ · 13,000+ on Google Play | Not quoted here; see their Google Play listing |
| Nigerian SEC posture | VASP-framework aligned | NDPA-compliant. breet.io also says InBreetic Technologies Limited "has a pending application for admission to the Accelerated Regulatory Incubation Program administered by the Securities and Exchange Commission, Nigeria". |
| Other products | Bills, virtual dollar card | Buy, swap, crypto cards, gifts, bill payments, business invoice, USD wallet, OTC desk, developer API (breet.io). |
Checked against each company's own website and app store listing in October 2026. In-app fees were read from each app on 14 October 2026 and can change without notice. Competitor claims are their own. Monica is a direct crypto to naira off-ramp operated by Monica Technologies Limited, Lagos.
Monica charges a 0% conversion fee and a 0% bank withdrawal fee. Deposits are free on USDT, USDC, ETH, SOL, TRX and BNB, with a flat $2 fee on Bitcoin deposits (see our fees page). Breet shows a 1.5% sell fee in its app (checked October 2026) and publishes no sell-fee figure on breet.io; its help centre says rates vary by transaction volume and that a ₦50 fee applies to all naira withdrawals. Check the rate each app shows you for your own amount.
Monica pays naira into your bank within 60 seconds of on-chain confirmation. Breet's help centre says proceeds are credited after the required blockchain confirmations are completed, with bank payout as a separate withdrawal unless automatic settlement is on; its Not quoted here; see their Google Play listing says fast payouts, usually under 2 minutes. Both wait for the blockchain to confirm your deposit first.
Yes. Many sellers do. Your Monica address does not change, so you can send to it from any app or wallet.
If you want to buy crypto with naira, swap between coins, hold a USD wallet or invoice clients in crypto, Breet is built for that and Monica is not. If you only ever sell, Monica removes the sell button and the withdrawal step.