Move money across Africa and
beyond without the friction.
A Lagos-based import business needs to pay a supplier in China in USD, but holds revenue in NGN. Instead of losing margin to bank spreads and multi-day delays, they exchange NGN to USD on Monirates in seconds, at a transparent rate.
Live, transparent pricing. No hidden spreads. Instant settlement between supported currencies so money moves at the speed of business.
Monirates Wallet
A remittance company serving customers across Nigeria, Ghana, and Kenya holds NGN, GHS, and KES balances in one place, instead of juggling multiple local bank accounts and reconciling them manually.
A single dashboard for every currency you touch. Fund it, hold it, move it — with full transaction history and no local bank account required in every market.
pay.monirates.com/inv_4xK92Design retainer · Jan 2026
USD
Recipient gets NGN · Sender pays in any local currency
A freelance consultant working with clients across three countries sends a Monirates payment link by email. The client pays in their local currency; the consultant receives settlement in the currency of their choice.
Generate a link in seconds, share it anywhere — email, WhatsApp, invoice — and collect payment in the customer's local currency while you get paid the way you want.
Customer
Wallet
A US-based platform expanding into Nigeria wants to collect NGN payments from local customers. Instead of setting up a local entity, they issue a virtual account — funds land instantly in their Monirates wallet.
Issue unique virtual account numbers instantly, reconcile payments automatically by account, and collect local currency without opening a local bank account.
USD500.00Tether USD
NGN···Nigerian NairaA crypto-native business pays African contractors in USDT. Contractors need naira in their bank accounts. Using Monirates' off-ramp, USDT converts to NGN and settles directly to their local bank account — no exchange hopping.
Direct, compliant conversion between USDT/USDC and local fiat currencies with settlement straight to bank accounts or mobile money.
A payments company processing high transaction volumes across multiple African corridors needs guaranteed FX liquidity — not just at good rates, but reliably available, even during volume spikes or currency volatility.
Access to deep, reliable liquidity pools across supported corridors — so payments settle consistently even at scale, even during volatile periods.
Join the fintech revolution that’s connecting Africa to the world.
