Overview
Your Monei wallet is automatically created when you sign up. It’s a unified custodial wallet containing subwallets for different assets. Naira, EVM tokens, and Solana tokens. This guide covers how to manage and monitor your wallet. What you’ll learn:- Understanding your unified wallet
- Managing subwallets
- Viewing balances and portfolios
- Virtual account for Naira deposits
- Transaction history
Unified Wallet Structure
When you create a Monei account, you get one unified wallet with three subwallets:Fiat Subwallet
Nigerian Naira balance with virtual account number for deposits
EVM Subwallet
Single address for all EVM chains (Ethereum, BSC, Polygon, Base, Arbitrum, Optimism)
Solana Subwallet
Separate address for Solana and SPL tokens
All subwallets are managed automatically. You don’t create or delete them individually.
Get Wallet Information
Complete Wallet Overview
Fiat Subwallet (Naira)
Virtual Account
Your Naira subwallet includes a virtual account number for receiving deposits.Deposit Naira
To deposit Naira into your wallet:1
Get Virtual Account
Retrieve your virtual account details from wallet info
2
Make Bank Transfer
Transfer Naira from any Nigerian bank to your virtual account
- Bank: Indulge MFB (or as shown)
- Account Number: Your unique virtual account
- Account Name: Your registered name
3
Automatic Credit
Your Monei wallet is credited automatically within seconds
4
Verify Balance
Deposits are processed instantly. No fees for deposits via virtual account.
EVM Subwallet
One address for all EVM chains - no need to manage multiple addresses.Get EVM Address
Get Portfolio by Network
Receive EVM Tokens
To receive tokens on any EVM chain:1
Get Your Address
2
Share Address
Share your EVM address with the sender
3
Wait for Confirmations
Tokens appear after network confirmations:
- BSC: ~45 seconds
- Polygon: ~4 minutes
- Ethereum: ~3 minutes
- Base/Arbitrum/Optimism: ~1-2 minutes
4
Verify Receipt
Solana Subwallet
Separate wallet for Solana ecosystem.Get Solana Address
Get Solana Portfolio
Total Portfolio Value
Get Combined Portfolio
Wallet Security
Custodial Security
Custodial Security
How Monei protects your wallet:
- Private keys stored in Hardware Security Modules (HSM)
- Multi-signature protection for large transactions
- Encrypted at rest and in transit
- Regular security audits
- Insurance coverage
- 24/7 monitoring
Access Control
Access Control
Multiple layers of protection:
- API key authentication
- Transaction PIN for withdrawals
- Two-factor authentication (2FA)
- Session management
- IP whitelisting (enterprise)
- Biometric authentication (mobile)
Activity Monitoring
Activity Monitoring
Track all wallet activity:
- Real-time balance updates
- Transaction notifications (email, SMS, push)
- Webhook events for automation
- Login alerts from new devices
- Unusual activity warnings
Recovery
Recovery
Account recovery options:
- Email/phone verification
- KYC document verification
- Support team assistance
- Multi-device access
Because Monei is custodial, you can recover wallet access through KYC verification.
Transaction History
Get Wallet Transactions
Best Practices
Regular Balance Checks
Monitor your wallet balances regularly to track deposits and withdrawals
Verify Addresses
Always double-check addresses before sharing for deposits
Keep Records
Save transaction IDs and receipts for your records
Enable Notifications
Turn on transaction notifications to stay informed
Common Operations
- Deposit Naira
- Receive Crypto
- Check Balance
- View History
- Get virtual account details
- Transfer from any Nigerian bank
- Funds credited automatically
- No fees for deposits
Next Steps
User Account
Manage your account profile and KYC
Naira Wallet Operations
Learn about Naira deposits and payouts
EVM Operations
Detailed guide on EVM wallet operations
Solana Operations
Complete Solana wallet guide

