Monica: Sell Bitcoin to Naira

Monica.cash

About this app

Want to sell Bitcoin or sell USDT for Naira at the real market rate? Monica is Nigeria's trusted crypto to cash app for converting Bitcoin to Naira, USDT to Naira, Ethereum and more — with Naira landing in your bank in under 60 seconds after your deposit confirms on-chain. Join 500,000+ Nigerians getting the best crypto to Naira rates with instant bank payouts, 0% platform fees and zero hassle.

Why Nigerians Choose Monica for Bitcoin to Naira

🚀 Paid in Under 60 Seconds After Confirmation
Sell Bitcoin, sell crypto of any kind, and receive Naira in your Nigerian bank account within 60 seconds of blockchain confirmation. USDT (TRC-20) confirms in seconds; Bitcoin typically takes a few minutes. From confirmation to bank alert, Monica is built for speed — 24/7, weekends included.

💎 Live Market Rates, Shown Before You Convert
Check the real-time Bitcoin to Naira and USDT to Naira rate before every transaction. The rate you see is the rate you get — no hidden spread, no markup. Ready to sell USDT? What's displayed is exactly what lands in your bank.

💸 Free Instant Bank Payouts
0% platform fees and free transfers to GTBank, First Bank, UBA, Access Bank, Zenith, Opay, Kuda and 200+ Nigerian banks and wallets. Only blockchain network fees apply, and those vary by chain.

🔐 No P2P. No Problem.
Tired of the stress that comes with P2P? Fake alerts, slow vendors, frozen accounts — it's not worth it. With Monica you skip the P2P middlemen and convert crypto to cash directly: instantly, securely, and without the drama. Peace of mind beats P2P.

📊 Multiple Cryptocurrencies Supported
Convert Bitcoin (BTC), USDT (Tether — the dollar stablecoin), USDC, Ethereum (ETH), Solana (SOL), BNB and TRON (TRX) to Naira — on Bitcoin, Ethereum, Solana, BNB Chain, Tron & Base networks. Cash out any time.

Perfect for All Nigerians

Whether you're a freelancer paid in crypto, a trader cashing out profits, family abroad sending stablecoin remittances home, or a student managing funds — Monica delivers direct crypto to Naira conversion for every use case.

Complete Financial Solution Beyond Crypto

⚡ Bill Payments: Pay NEPA, DSTV, GOtv, Startimes, water bills
📱 Airtime & Data: Recharge MTN, Airtel, Glo, 9mobile at discounted rates
💳 Virtual USD Card: Shop on Amazon, Netflix, Spotify globally
🎁 Gift Cards: Buy 1,000+ gift cards with instant delivery
💸 Free Transfers: Send money to any Nigerian instantly for free

Bank-Level Security

Your Bitcoin, USDT and Naira stay protected with 256-bit encryption, two-factor authentication, biometric login, fraud detection and regulatory compliance aligned with Nigeria's SEC framework. Monica has processed ₦400 billion for 500,000+ users with zero security breaches.

How Monica Works — Three Simple Steps

Step 1: Create your free Monica account in minutes. Complete simple KYC verification and get permanent wallet addresses for Bitcoin, USDT, USDC, Ethereum, Solana, BNB and TRX.

Step 2: Transfer Bitcoin, USDT or other crypto from any external wallet or exchange (Binance, Trust Wallet, Coinbase, Bybit) to your Monica address.

Step 3: Once the blockchain confirms (typically a few minutes for Bitcoin, seconds for USDT), your Naira arrives automatically at the live rate — conversion plus bank payout in under 60 seconds.

Why 500,000+ Nigerians Choose Monica

⭐ Direct Bitcoin to Naira and USDT to Naira conversion
⭐ Live market rates with no hidden spread
⭐ 0% platform fees on conversion and bank payout
⭐ 24/7 Support: English, Pidgin, Hausa, Yoruba, Igbo
⭐ Sell crypto on Bitcoin, Ethereum, Solana, BNB Chain, Tron & Base networks

Start Converting Crypto to Naira Today

Download Monica and turn your crypto into spendable Naira the smart way — plus rewards when you invite friends (see the app for current referral offers).

Join Nigeria's fastest-growing community converting Bitcoin, USDT and digital assets to Naira daily.

Monica: The Smart Way to Convert Bitcoin to Naira in Nigeria. Fast. Secure. Trusted by 500,000+.

Ratings and reviews

Monica I have not had any issues with your services, but lately I can't login the app, the home screen doesn't load at all. keep saying something about error. what's happening. Thankfully I don't have any coin in there, I don't know you guys are like this. please fix this issue

I'm unable to send my money out. I mean what of App won't process money out easily. Opay is faster than this. I created a virtual wallet and they freeze it instantly saying that I I have un sucessful charging. Something that I have not used. Then they want me to fund the card before unfreezing. It's all chaos.

1 Star ⭐ Be careful before using this app. I sent 22 USDT (BEP20) to the deposit address provided by Monica. The transaction was successfully confirmed on the blockchain, but my account has still not been credited. When I contacted support, they told me they couldn't see the deposit, even though I provided the transaction hash and proof from BscScan. My money is currently unavailable, and I am very disappointed with the experience. I hope the team resolves this issue quickly, but until then,

What’s new

- Face Guard bug fixed.
- Automated instant bank settlement.
- New improved user interface.
- Faster load time.
- Improved security/compliance (SEC).
- Faster bank transfers.
- Improved Liveness capture.
- Major bugs fixed.