Converts crypto to naira on arrival and pays the naira to your bank, with bills and a virtual dollar card from the same balance, per its site. This review sets out what Monica says about itself, what we could and could not find, and where it differs from Yesa, so you can pick the one that fits how you cash out.
Facts as Monica publishes them, checked 12 October 2026.
| Monica (per its site) | Yesa | |
|---|---|---|
| What it is | Converts crypto to naira on arrival and pays the naira to your bank, with bills and a virtual dollar card from the same balance, per its site | Sell or buy crypto and sell gift cards for naira, with bills and airtime from the same balance |
| Sell crypto for naira | Yes: send BTC, USDT, ETH, SOL, TRX, BNB or USDC to your Monica address and it converts on arrival, paid to your bank. Litecoin is not listed | Yes, at the rate on screen before you send |
| Buy crypto with naira | Its buy-USDT page describes funding a naira balance by bank transfer and converting to USDT, per its site | Yes, ten coins, from a Yesa balance or by bank transfer |
| Swap between coins | Not published on its site | Yes |
| Gift cards | Gift cards can be bought from the balance, per its site; selling gift cards is not stated | Yes, sold for naira |
| Bills and airtime | Airtime, data, DStv, GOtv, electricity and betting wallets, per its site | Airtime, data, TV and electricity |
| Fee on a sale | 0% fees, advertised on its site | Zero sell fees on crypto and gift cards |
| Rate shown before you commit | Converts at the live rate when your deposit arrives; no figure to approve first | On screen before you send or confirm |
| Payout to a Nigerian bank | Naira in your bank within 60 seconds of on-chain confirmation, claimed on its site; not published measurements | Median 4.7 seconds across 1,700 measured payouts; historical, not a guarantee |
| Markets | Nigeria, per its site | Nigeria |
| Apps | iOS and Android | Android and iPhone |
| Store listing | Google Play 100K+ downloads, 4.5; its site says 700,000+ users | Google Play 4.7 |
What Monica offers, as it describes it, beside how Yesa handles the same thing.
| Monica (per its site) | Yesa | |
|---|---|---|
| 1 | Seven coins convert on arrival at the live rate and the naira goes to your bank; no figure to approve first. | The naira figure is on screen before you send, and the sale settles at that figure. |
| 2 | Advertises 0% fees and a payout within 60 seconds of confirmation, as marketing claims. | Zero sell fees, and a measured payout median of 4.7 seconds across 1,700 payouts, slow tail disclosed. |
| 3 | Gift cards can be bought from the balance; we could not find a way to sell a gift card for naira on its site. | Gift cards sold for naira at a rate you see first, with zero sell fees, beside crypto in the same app. |
| 4 | Lists seven coins; Litecoin is not among them. Names Bitcoin mainnet, ERC20, TRC20, BEP20, Solana and Base as its networks. | Sells eight coins, Litecoin included. USDC is accepted on Ethereum, Solana, Polygon, BNB Smart Chain, Base and Arbitrum; send only on a network your deposit screen lists. |
| 5 | Its website calculator uses market prices from CoinGecko, updated every 60 seconds, per its calculator page. | Yesa's rate pages show what 1 coin paid on Yesa, with 30 days of dated history, and the app shows your exact naira figure before you sell. |
None of this makes Monica a bad choice. It means the answer depends on what you are cashing out and how you want to be paid.
You see the naira figure before you send crypto or upload a card, and the sale settles at that figure.
On crypto and on gift cards, the amount on your screen is the amount that lands in your naira balance.
Sell crypto for naira, or buy ten coins with naira from your balance or by bank transfer, in one app.
Gift cards, airtime, data, TV and electricity from the same naira balance, and withdrawals to any Nigerian bank, with a measured median payout of 4.7 seconds across 1,700 payouts.
Monica suits you if you want crypto converted on arrival with no steps, or you use its virtual dollar card or betting-wallet top-ups.
Yesa suits you if you want the figure on screen before you send, sell gift cards or Litecoin, or send USDC on Polygon or Arbitrum.
The full side-by-side is on Yesa vs Monica, and every platform we have reviewed is listed on Yesa compared.
Monica is an operating platform with a live app and website; our facts about it come from those. What we could not find on its site is marked as not published. Nigeria's Securities and Exchange Commission regulates digital asset services under the Investments and Securities Act 2025. Any platform's current standing is best checked on the SEC's own website, not on a competitor's page, including this one.
0% fees, advertised on its site.
Its buy-USDT page describes funding a naira balance by bank transfer and converting to USDT, per its site.
Naira in your bank within 60 seconds of on-chain confirmation, claimed on its site; not published measurements.
If you want the rate on screen before you send, zero sell fees and both buying and selling in one app, that is what Yesa is built for. Yesa vs Monica lays the two side by side.
The Yesa Team. Details checked 12 October 2026. Yesa publishes this page and benefits if you choose Yesa. Facts about other platforms come from their own websites and store listings on the date shown; we state what each one publishes and say what we could not find. If you spot an error, email support@yesaapp.ng and we will correct it.