Considering a Yellow Card alternative? Here is what Monica.cash offers Nigerian users.
Monica.cash charges 0% on conversion and 0% on bank withdrawal. Yellow Card prices via spread, varying by country and product. Run both numbers for your amounts.
Monica.cash payouts typically clear in under 60 seconds after the network confirms. Yellow Card varies by market and payout method.
700,000+ active Nigerian users with ₦1T+ processed. The track record is independently verifiable through public coverage in Nairametrics and other Nigerian financial press.
| Feature | Monica.cash | Yellow Card |
|---|---|---|
| Transaction Fee | 0% | Spread; varies by country/product |
| Typical Payout Speed | Under 60 seconds | Varies by market |
| Supported Coins | 7 (BTC, ETH, SOL, TRX, BNB, USDT, USDC) | BTC, USDT, USDC |
| Bank Coverage | All banks on NIBSS | Bank/wallet payout by market |
"Money no dey delay. That is all I want from a crypto app, and Monica delivers."
"The rate is the rate. After years of P2P arguments, that peace of mind is everything."
"Freelancer here. Client pays in USDT, I withdraw to Opay the same day. No domiciliary account wahala."
"Good app overall. I wish they added even more coins, but the payout speed makes up for it."
Reasons vary by user; the common considerations are fees, payout speed and supported assets. Yellow Card prices via spread, varying by country and product, while Monica.cash charges 0% with payouts typically under 60 seconds after confirmation.
Free in the sense of 0% conversion fee and 0% bank withdrawal fee, yes. The app itself is free to download and use. Network fees on the underlying blockchain still apply (those go to miners, not Monica).
Yes. Withdraw from Yellow Card to your Monica deposit address (same network on both ends), and the conversion runs automatically once the deposit confirms.
Monica is a one-way off ramp and does not custody user crypto. Monica's treasury, KYC data handling and operating standards follow Nigerian data protection law. Yellow Card publishes its own security practices, compare both before moving size.
Monica.cash supports 7 coins (BTC, ETH, SOL, TRX, BNB, USDT, USDC). Yellow Card focuses on BTC, USDT and USDC. Compare both lists for your specific assets.
0% conversion fee. Naira within 60s of confirmations. 700K+ users can't all be wrong.
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