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A Nigerian fintech app for individuals to convert crypto to Naira, transfer to 30+ banks, pay bills, buy airtime/data, and use virtual dollar cards.
Monica is a Nigerian fintech app for individuals who want to convert cryptocurrency to Naira, make everyday payments, and move money to Nigerian bank accounts quickly.
Key capabilities include:
Available on Web, Android, and iOS.
Built for Nigerian consumers, including freelancers, remote workers, and everyday users who receive crypto, need fast NGN settlement, and want an alternative to P2P crypto trading.
Notable in Nigeria for its emphasis on SEC compliance, AML policy, and avoiding P2P counterparty risk, alongside reported traction such as ₦400B+ in payouts, $350M+ converted to Naira, and 500k+ users.
As of May 11, 2026, Monica is rated 4.6 on the App Store from 13.4K reviews and 4.6 on Google Play from 8.8K reviews with 100K+ installs.
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