MasaMasa vs MoniRef

Instant Crypto to Naira. Pay Bills. Earn Bonuses. Need a fast and reliable way to convert crypto to Naira? MasaMasa is Nigeria’s seamless crypto-to-NGN app built for instant swaps, smooth bill payments, and rewarding bonuses — all in one secure platform. Join thousands of smart users who trust MasaMasa for quick settlements, competitive rates, and stress-free payments. Lightning-Fast Crypto to Naira Convert your digital assets to Nigerian Naira in minutes. • Instant USDT, USDC, and crypto to NGN • Competitive real-time exchange rates • Fast bank payouts • Simple and smooth experience • No P2P stress or vendor delays With Masa Masa, turning crypto into cash is fast, secure, and reliable. Bill Payments Made Easy Pay your everyday bills without switching apps. • Airtime recharge (MTN, Airtel, Glo, 9mobile) • Internet & data subscriptions • Instant confirmation on payments Handle your daily finances in seconds. Get Rewarded with Bonuses MasaMasa doesn’t just process transactions — we reward you for them. • Bonus rewards on eligible transactions • Special promotions and offers • More value every time you swap or pay Built for Security & Trust Your funds are protected with modern security infrastructure designed for reliability and peace of mind. • Advanced encryption • Secure transaction processing • Fraud monitoring systems • Safe and stable payouts Why Choose Masa Masa? • Fast crypto to Naira swaps • Smooth bill payment experience • Competitive exchange rates • Transaction bonuses • No P2P stress • Clean, user-friendly interface • Reliable Nigerian payouts How Masa Masa Works Step 1: Create your free account in minutes. Step 2: Send USDT, BTC, ETH, or supported crypto to your wallet. Step 3: Convert instantly and receive Naira in your bank account. Simple. Fast. Reliable. Built for Nigerians Whether you are: • A freelancer receiving crypto • A trader cashing out profits • A business managing settlements • Or anyone paying everyday bills MasaMasa gives you speed, convenience, and control.

You pay first and the seller disappears. Or you deliver first and the chat goes quiet. MoniRef ends that. The buyer’s money is held by our licensed payment partner and released to the seller only when the buyer confirms delivery. No foul play, on either side. Built for how Nigerians actually buy and sell online: Instagram and WhatsApp vendors, Facebook Marketplace and Jiji deals, pay-on-delivery orders, freelancers and service providers who want to be paid before they start. FOR SELLERS Get paid upfront, then deliver. The money is committed before you ship, and it lands in your wallet the moment the buyer confirms. Create a payment request in a few taps, share the link anywhere, track every order in one place, withdraw to any Nigerian bank. FOR BUYERS Your money only moves when you say so. Pay by bank transfer to a dedicated account, not the seller’s account. If delivery is never confirmed, you get your money back. No account needed to pay a request. HOW IT WORKS 1. The seller creates a request and shares the link. 2. The buyer pays by transfer. The money is held by our licensed payment partner. 3. The buyer confirms delivery and shares a release code. 4. The seller enters the code and the money is released. PRICING No fee to create a request. No monthly fee. A withdrawal fee from ₦150 applies when you cash out and reduces as amounts grow. You see the fee before you confirm. VERIFICATION Every seller completes identity verification (KYC) before collecting payments. Paying a request does not require verification. ELIGIBILITY Nigeria only. You must be 18 or older. Transactions are in Nigerian Naira. DELETING YOUR ACCOUNT Account tab, then Delete account. It takes effect immediately. If you cannot sign in, request it at moniref.com/delete-account. Some records are retained after closure where Nigerian law requires, as set out in our Privacy Policy.