The good news: Monica supports the four networks that matter (TRC-20, ERC-20, BEP-20, Solana and Base), each with its own clearly-labelled address, so the classic mistakes are hard to make. The failure mode that remains is sending to a network address of the wrong type from an exchange that doesn't validate, which the $10 test-transfer habit catches before real money moves. If something does go wrong, contact support immediately with the transaction hash; recoverability depends on the specific combination.
If the sender picks a network the receiving platform doesn't support for that address, funds can be delayed or, in the worst combinations, unrecoverable. Prevention is trivial: match the network label on both sides and send a test first.
A verified Monica.cash account, BVN or NIN plus a selfie, about 4 minutes, and any Nigerian bank account for the naira.
About $1 in network fees on TRC-20. Monica charges 0% to receive, convert, and withdraw.
Seconds to a few minutes for on-chain confirmation, then under 60 seconds from conversion to bank alert, 24/7, weekends included.
0% conversion fee on the Nigeria side. Live market rate. Every Nigerian bank.
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