The decision between Monica.cash and Breet usually comes down to one or two factors. Here's how to think about it.
| Feature | Monica.cash | Breet |
|---|---|---|
| Transaction Fee | 0% | Up to 1% on withdrawal |
| Typical Payout Speed | Under 60 seconds | 5–15 minutes typical |
| Supported Coins | 7 (BTC, ETH, SOL, TRX, BNB, USDT, USDC) | BTC, USDT, ETH, USDC, SOL, BNB |
| Bank Coverage | All NIBSS-connected banks (40+) | Most Nigerian banks (NIBSS) |
| App Store Rating | 4.6★ (App Store) / 4.7★ (Play) | 4.4★ / 4.5★ |
| KYC Requirement | BVN or NIN + selfie (4 min) | BVN + ID |
| Customer Support | 24/7 in app chat, ~2 min response | Standard ticket support |
| Founded | 2022 (Monica Technologies Limited) | 2021 |
| Active User Base (NG) | 500,000+ | ~3,000 reviews |
| Lifetime NGN Volume | ₦400+ billion | Not publicly disclosed |
"Cashed out the day naira was falling and locked a solid rate while P2P people were still queuing."
"Honestly the most stress-free way to turn BTC to naira in this country right now."
"My client abroad pays me in USDT. I cash out here and the rate is exactly what I see no hidden charges."
"Sold BNB around 1am on a Sunday and the Access Bank alert came in under two minutes. No wahala."