Two ways to turn crypto or gift cards into naira. Here is what each one states, the differences that matter, and who each suits.
Monica's column is what its own site says, checked 12 October 2026. Yesa's column is what Yesa publishes.
| 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. |
Monica: you want crypto converted on arrival with no steps, or you use its virtual dollar card or betting-wallet top-ups.
Yesa: you want the figure on screen before you send, sell gift cards or Litecoin, or send USDC on Polygon or Arbitrum.
Android or iPhone. Your naira balance, deposit addresses and gift-card screen are ready as soon as you are in.
Pick the coin or the card. The naira figure is on screen before you send anything.
Sell at the figure shown and withdraw to any Nigerian bank. Or keep the naira and buy crypto, airtime or bills from the same balance.
It depends on what you value. The differences are laid out above, each with the Yesa side beside it. Yesa is built around the rate on screen first, zero sell fees, and buying and selling in one app. Pick by the one thing that matters most to you.
Yesa charges zero fees to sell or buy crypto, and to sell gift cards. Monica: 0% fees, advertised on its site.
Yesa publishes a measured median of 4.7 seconds across 1,700 bank payouts, historical rather than guaranteed. Monica: Naira in your bank within 60 seconds of on-chain confirmation, claimed on its site; not published measurements.
Yes. Nothing stops you holding both apps and choosing per transaction. Many people check the naira figure in two apps before a large sale.
Yes. Buying, holding and selling cryptocurrency is legal for individuals in Nigeria. Digital assets are recognised under the Investments and Securities Act 2025, and the Securities and Exchange Commission regulates digital asset services. Crypto is not legal tender, and profits from trading may be taxable, so keep your own records of what you buy and sell. This is general information rather than legal or tax advice; the Securities and Exchange Commission and the Central Bank of Nigeria publish the current position.
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.