Per Yellow Card's own announcement, its retail app was discontinued on Jan 1, 2026 as the company focuses on business payments. If you were a Yellow Card retail user, here's a consumer-focused alternative built for crypto-to-naira.
| Monica.cash | Yellow Card | |
|---|---|---|
| Focus | Nigeria-first consumer off-ramp | Pan-African, increasingly B2B payments |
| Fees | 0% platform + 0% withdrawal | Varies by product/corridor |
| Rate | Live open-market rate shown pre-conversion | Platform-set rate |
| Payout | Under 60s after on-chain confirmation, 40+ banks | Varies |
| Coins | 7 (BTC, USDT, ETH, SOL, BNB, TRX, USDC) | Core majors + stablecoins |
For crypto-to-naira cashout specifically, Monica.cash: 0% platform fees, the live open-market rate displayed before you convert, 7 core coins (BTC, USDT, ETH, SOL, BNB, TRX, USDC), and payout to any Nigerian bank in under 60 seconds after on-chain confirmation.
Yellow Card discontinued its retail app on Jan 1, 2026 (announced Oct 2025) and now operates B2B-only stablecoin infrastructure. Its former retail users need a consumer-focused, Nigeria-first off-ramp — that's exactly what Monica is.
Monica charges 0% on conversion and withdrawal (only network fees apply, paid to the blockchain). Yellow Card's effective cost varies by corridor and product.
Yes — many users keep Yellow Card for pan-African transfers and use Monica for the naira leg, where its rate and payout speed are strongest.