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Monica vs Breet

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.

Scorecard

Side by side

Checked October 2026
Disclosure: This page is published by monica.cash, operator of the Monica app; we benefit when you choose Monica. Spot an error? Email [email protected] and we will correct it. monica.cash is operated by Monica Digital Assets Limited, a company registered in Nigeria.
What matters
Monica
BBreet
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 the network confirming
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
$5 worth of crypto per deposit, shown in the app
Not published on breet.io (checked October 2026). Minimum naira withdrawal is ₦2,000 (help.breet.io).
Counterparty
None. The naira payout is made through Monica's banking partners, not by another user.
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
Other products
Bills, virtual dollar card
Buy, swap, crypto cards, gifts, bill payments, business invoice, USD wallet, OTC desk, developer API (breet.io).
Questions

FAQ: Monica vs Breet

Is Monica cheaper than Breet?

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.

Which pays out faster, Monica or Breet?

Monica pays naira into your bank within 60 seconds of the network confirming. 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 Google Play listing says fast payouts, usually under 2 minutes. Both wait for the blockchain to confirm your deposit first.

Can I use both?

Yes. Many sellers do. Your Monica address does not change, so you can send to it from any app or wallet.

The honest part

Where Breet is the better choice

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.

See for yourself

Try it on a small amount first.

Send a few dollars of crypto, watch the naira land, then decide.

Download on theApp StoreGet it onGoogle Play
0%conversion fee
0%bank withdrawal fee
60safter the network confirms
7coins, every Nigerian bank

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Get the app

Scan with your phone camera.

Point your camera at the code and tap the link that pops up. It takes you to the right store for your phone.

Download on theApp Store Get it onGoogle Play

Free on iOS and Android

monica.cash/app