Checking connection. Monijar is confirming live service access.
Guided USDT investing

Grow your USDT with guided investment plans.

Add money, choose an available offer, track daily ROI, and withdraw when your payout is ready. Monijar guides each step in plain language.

Standard plan
10%

Projected return in 2 weeks after confirmed funding.

Tiered lender plan
30%

Projected return in 4 weeks for verified/tiered lenders.

New user bonus
Create an account and receive a $10 registration bonus. It becomes available for withdrawal after your first ROI matures. Read bonus terms.

USDT investing, buying, selling, and withdrawals with clear steps and safety checks.

USDT
Network-based funding
OTP
Email sign-in
P2P
Buy and sell USDT
Lender dashboard
Live
Available
2,500 USDT
Active
4,250 USDT
2 loans
Marketplace access
Verified
Select 10% or eligible 30% ROI plan
Track daily ROI progress in dashboard
Payout after final checks
Why use Monijar?

Everything you need to start, track, and withdraw.

Monijar brings the main money actions into one guided account, with plain status messages and help when you need it.

Fund your account

Add USDT using the payment details shown in your account.

Buy or sell USDT

Use the Buy and Sell tabs to trade USDT with other verified users in naira.

Invest in platform offers

Choose open offers and see the expected profit before funding.

Track daily ROI

Watch your daily ROI progress and payout timing from your dashboard.

Withdraw when eligible

Move available money to your supported wallet after checks are complete.

Get help in Simple Mode

Use simple guidance for funding, buying, selling, investing, earnings, and withdrawals.

Buy and sell USDT

Trade USDT with other verified users in a guided order room.

Monijar P2P lets you buy USDT with naira bank transfer or create a sell offer from your available USDT. The app shows the seller's bank details, payment deadline, order updates, and support options in one place.

Choose a seller

Open the Buy tab, compare price and limits, then start an order.

Pay by bank transfer

Use the seller bank details shown in the order and keep your payment reference.

Mark paid

After paying, mark the order as paid so the seller can confirm receipt.

Receive USDT

When the seller confirms payment, the USDT is added to your Monijar balance.

Sell your USDT

Add your bank account, set your price and limits, and create a sell offer.

Ask support for help

If something goes wrong, open a help request from the order.

Simple Mode

A clearer dashboard for everyday users.

Simple Mode puts Fund account, Invest, Earnings, Notifications, and Help first, so users can see what to do next without searching through advanced tools.

Simple dashboard preview

Default
Fund account
Add USDT
Invest
Choose offer
Earnings
Track ROI
Notifications
Payment updates
Help
Get support

Local-language guidance

Preview
English

Add money, invest, track earnings, or get help.

Français

Ajoutez de l'argent, investissez, suivez vos gains ou demandez de l'aide.

Hausa

Kara kudi, zuba jari, duba riba, ko nemi taimako.

Platform offers

Invest in offers that stay open until their target is reached.

Platform offers let users fund available Monijar opportunities with USDT. Each offer becomes inactive once its funding target is reached, and your own payout timing is based on when your investment is confirmed.

How platform offers work

Target-based

Open until funded

An offer stays available until users fund the target amount.

ROI starts after confirmation

Your ROI begins after Monijar receives and confirms your payment.

Your own maturity date

Your payout date is based on your investment date and selected plan timeline.

Track everything

Your dashboard shows payment status, expected profit, daily ROI, and payout timing.

ROI plan examples

USDT only
Standard plan
10%
in 2 weeks after confirmed funding
Tiered lender plan
30%
in 4 weeks for eligible users
Payout review applies
Expected return depends on the selected plan. Payouts require maturity and final checks before withdrawal.
View marketplace ->
How Monijar works

From account creation to withdrawal, one clear path.

Monijar shows each step of your money journey, from adding USDT to tracking ROI and withdrawing after your plan matures.

01

Create account

Register and sign in with the code sent to your email.

02

Add money with USDT

Choose a supported network and send the exact amount to the wallet address shown.

03

Choose investment

Pick an open platform offer and review the plan before you continue.

04

Payment is checked

Monijar checks the payment first. ROI does not start until the payment is confirmed.

05

ROI grows daily

After confirmation, your dashboard shows daily ROI progress for your selected plan.

06

Payout becomes available

Your payout is reviewed after your own maturity date is reached.

07

Withdraw to wallet

When the money is available, request withdrawal to a supported wallet.

Send only the token and network shown
Sending another coin, using another network, or changing the amount can delay your payment or cause money to be lost.
Marketplace preview

Two ways to find an opportunity.

Browse marketplace ->

Platform offers

Target-based

Platform offers appear when Monijar publishes funding opportunities that are still below their target amount.

Example plans
10% / 30%
ROI starts after confirmed funding

Borrower requests

Collateral-backed

Borrower requests appear when approved borrowers are ready for marketplace funding.

Preview includes
USDT
principal, collateral, ratio, and expected profit
For borrowers

Request USDT with a clear repayment path.

Borrowers can apply, share required details, create a collateral-backed request, and track repayment without confusing it with lender ROI.

Apply to borrow

Start with a simple borrower application. Approval is not guaranteed.

Submit your details

Provide personal, contact, funding, and repayment information for review.

Create a backed request

Approved borrowers can create a request supported by collateral.

Track repayment

See your repayment schedule and know what is due before the date arrives.

Build reputation

Successful repayments can help strengthen your borrower record on Monijar.

Get help first

Use support if you are unsure before submitting or accepting terms.

Trust and safety

Checks are built in before money moves.

Monijar uses account, payment, and withdrawal checks to help users understand what is happening before they send funds or request a payout.

Email code sign-in

Users sign in with a code sent to their email, helping protect account access.

Payment checks

Wallet Monitor helps match incoming USDT payments before balances and ROI are updated.

Funding review

Admin review may be used when a payment needs extra confirmation before it is credited.

Two-person approval

Important money actions may need one person to prepare and another person to approve.

Withdrawal safety review

Withdrawals are checked before money leaves the platform wallet.

Public help is available

Users can read support guidance before signing in or open a ticket after login.

Questions before you start

Quick answers before you send funds.

Read the basics about custody, ROI, withdrawals, bonus terms, and payment mistakes before creating a payment instruction.

Is Monijar custodial?

Yes. Monijar receives and tracks funds in platform wallets instead of using automatic smart-contract payouts.

When does ROI start?

ROI starts after your payment is received, checked, and confirmed for the selected offer.

When can I withdraw?

You can withdraw money that is available after maturity, checks, and payout review are complete.

What is the $10 registration bonus?

It is a one-time locked bonus for new users. It becomes withdrawable after your first ROI matures.

Read bonus terms

What if I send the wrong token or network?

Your payment can be delayed or lost. Send only the token, network, and amount shown in the app.

What does 30% in 4 weeks mean?

It is a tiered lender plan for eligible users, calculated from confirmed funding over a 4-week plan period.

Why do withdrawals need review?

Review helps confirm balances, maturity, payment records, and wallet details before money leaves the platform.

Local-language preview

Guidance users can understand faster.

Monijar keeps English as the fallback and adds local-language guidance where translations are available, starting with short help text for common actions.

Sample guidance

Fallback: English
English

Add money, choose an offer, track earnings, or get help.

Français

Ajoutez de l'argent, choisissez une offre, suivez vos gains ou demandez de l'aide.

Hausa

Kara kudi, zabi tayin zuba jari, duba riba, ko nemi taimako.

User stories

Trusted by verified Monijar users

Short feedback from users who have used Monijar account funding, lending, borrower onboarding, and support flows.

Showing testimonials 1-1 of 4
Verified account
Funding instructions show the token, network, amount, wallet, and QR code clearly before sending USDT.
Verified lender

Lender

Monijar account