Transactions

Overview

Send EVM transactions across multiple networks using Monei’s custodial wallet. Monei handles signing, gas, and broadcasting on your behalf, you get back a transaction hash you can use to verify and track the transaction on any block explorer. What you’ll learn:

Send native tokens and ERC-20 tokens
Track transaction status via block explorers
Understand transaction states
Handle transaction failures

How It Works

Monei is a custodial wallet. This means:

You don’t manage private keys or providers
Monei signs and broadcasts the transaction on your behalf
Gas fees are handled internally, you don’t estimate or set them
After a transaction is sent, Monei returns a txHash you can use to verify it on a block explorer

Transaction Types

Native Token Transfer

Send ETH, BNB, MATIC, etc. to any address

ERC-20 Transfer

Send USDT, USDC, or any ERC-20 token

Send Native Token

Transfer native tokens (ETH, BNB, MATIC, etc.) across supported networks.

import MoneiSDK from 'monei-sdk';

const monei = new MoneiSDK({
  apiKey: process.env.MONEI_API_KEY,
});

// Send 0.1 BNB on BSC
const tx = await monei.evm.sendNativeToken({
  to: '0x742d35Cc6634C0532925a3b844Bc454e4438f44e',
  amount: '0.1',
  chainId: 56, // BSC
});

console.log('Transaction Hash:', tx.txHash);
console.log('View on Explorer:', `https://bscscan.com/tx/${tx.txHash}`);

from monei import MoneiClient

monei = MoneiClient(
    api_key=os.getenv('MONEI_API_KEY')
)

tx = monei.evm.send_native_token(
    to='0x742d35Cc6634C0532925a3b844Bc454e4438f44e',
    amount='0.1',
    chain_id=56,
)

print(f'Transaction Hash: {tx.tx_hash}')
print(f'Explorer: https://bscscan.com/tx/{tx.tx_hash}')

curl -X POST https://api.monei.cc/api/v1/evm/send/native \
  -H "x-api-key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "to": "0x742d35Cc6634C0532925a3b844Bc454e4438f44e",
    "amount": "0.1",
    "chainId": 56
  }'

Request Parameters:

Parameter	Type	Required	Description
`to`	string	Yes	Recipient wallet address
`amount`	string	Yes	Amount in native token (e.g., `"0.1"` for 0.1 BNB)
`chainId`	number	Yes	Network chain ID (56 for BSC, 137 for Polygon, etc.)

Response:

{
  "statusCode": 200,
  "message": "Transaction sent successfully",
  "data": {
    "txHash": "0x1234567890abcdef1234567890abcdef1234567890abcdef1234567890abcdef"
  }
}

Note: Save the txHash from the response, this is your reference for tracking the transaction on-chain.

Send ERC-20 Token

Transfer ERC-20 tokens like USDT, USDC, or any custom token.

// Send 100 USDT on BSC
const tx = await monei.evm.sendToken({
  to: '0x742d35Cc6634C0532925a3b844Bc454e4438f44e',
  tokenAddress: '0x55d398326f99059fF775485246999027B3197955', // USDT on BSC
  amount: '100',
  chainId: 56,
});

console.log('Transaction Hash:', tx.txHash);
console.log('View on BscScan:', `https://bscscan.com/tx/${tx.txHash}`);

tx = monei.evm.send_token(
    to='0x742d35Cc6634C0532925a3b844Bc454e4438f44e',
    token_address='0x55d398326f99059fF775485246999027B3197955',
    amount='100',
    chain_id=56,
)

print(f'Transaction Hash: {tx.tx_hash}')
print(f'Explorer: https://bscscan.com/tx/{tx.tx_hash}')

curl -X POST https://api.monei.cc/api/v1/evm/send/token \
  -H "x-api-key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "to": "0x742d35Cc6634C0532925a3b844Bc454e4438f44e",
    "tokenAddress": "0x55d398326f99059fF775485246999027B3197955",
    "amount": "100",
    "chainId": 56
  }'

Request Parameters:

Parameter	Type	Required	Description
`to`	string	Yes	Recipient wallet address
`tokenAddress`	string	Yes	ERC-20 token contract address
`amount`	string	Yes	Amount in token units (e.g., `"100"` for 100 USDT)
`chainId`	number	Yes	Network chain ID

Response:

{
  "statusCode": 200,
  "message": "Token transfer successful",
  "data": {
    "txHash": "0xabcdef1234567890abcdef1234567890abcdef1234567890abcdef1234567890"
  }
}

Transaction Lifecycle

Transaction States:

State	Description
`Initiated`	Transaction created and submitted by Monei
`Pending`	Broadcast to the network, awaiting mining
`Confirmed`	Mined in a block, awaiting sufficient confirmations
`Completed`	Required confirmations reached, transaction is final
`Failed`	Transaction reverted or rejected by the network

Tracking Transactions

Since Monei does not store blockchain transactions on its backend, use the txHash returned from the send response to track your transaction directly on the relevant block explorer. Block Explorers by Network:

Network	Chain ID	Explorer
Ethereum	1	Etherscan
BSC	56	BscScan
Polygon	137	PolygonScan
Base	8453	BaseScan
Arbitrum	42161	Arbiscan
Optimism	10	Optimism Explorer

Confirmation Requirements: Different networks require different confirmation counts before a transaction is considered final:

Network	Confirmations	Approximate Time
Ethereum	12 blocks	~3 minutes
BSC	15 blocks	~45 seconds
Polygon	128 blocks	~4 minutes
Base	1 block	~2 seconds
Arbitrum	1 block	~0.25 seconds
Optimism	1 block	~2 seconds

Troubleshooting

Transaction Failed, Insufficient Balance

Cause: The sending wallet did not have enough balance to cover the transfer amount.Solution: Check your Monei wallet balance before initiating a transfer and ensure it covers the full amount. Gas fees are handled by Monei, but the transfer amount itself must be available.

Transaction Reverted

Common causes:

Insufficient token balance in the custodial wallet
Invalid recipient address format
Token contract rejected the transfer (e.g. blocklisted address)

Solution: Verify the recipient address is valid and that the wallet holds sufficient token balance. If the issue persists, contact support with your txHash.

Transaction Stuck Pending

Problem: Transaction has been pending longer than expected.Expected pending times by network:

Ethereum: up to 10 minutes
BSC: up to 5 minutes
Polygon: up to 10 minutes
Base / Arbitrum / Optimism: up to 2 minutes

Actions:

Check the transaction on the relevant block explorer using your txHash
If it is past the above thresholds and still unconfirmed, contact Monei support with your txHash

Wrong Network

Problem: Transaction was sent on the wrong network (e.g. USDT on Ethereum instead of BSC).Recovery:

If the recipient controls the same address on both networks, the funds are accessible, ask them to check the correct network
Contact Monei support for assistance

Prevention: Always verify the chainId in your request matches the intended network before sending.

Best Practices

Always Verify the Address

Double-check the recipient address and network before sending, blockchain transactions are irreversible

Test First

Send a small test amount before large transfers

Save the txHash

Always store the txHash from the response, it’s your only reference for tracking the transaction on-chain

Verify on Explorer

Use the appropriate block explorer to confirm finality before treating a transaction as complete

Next Steps

Wallet Operations

Learn about EVM wallet management

Token Swaps

Swap tokens on decentralized exchanges

Transaction Management

Advanced transaction filtering

Networks

Learn about supported networks

Introduction

Core Concepts

Account Management

Naira Wallet

EVM Blockchain

Solana

Offramp (Crypto to Fiat)

Bill Payments

Security

Testing

Transactions

Overview

How It Works

Transaction Types

Native Token Transfer

ERC-20 Transfer

Send Native Token

Send ERC-20 Token

Transaction Lifecycle

Tracking Transactions

Troubleshooting

Best Practices

Always Verify the Address

Test First

Save the txHash

Verify on Explorer

Next Steps

Wallet Operations

Token Swaps

Transaction Management

Networks

​Overview

​How It Works

​Transaction Types

Native Token Transfer

ERC-20 Transfer

​Send Native Token

​Send ERC-20 Token

​Transaction Lifecycle

​Tracking Transactions

​Troubleshooting

​Best Practices

Always Verify the Address

Test First

Save the txHash

Verify on Explorer

​Next Steps

Wallet Operations

Token Swaps

Transaction Management

Networks

Overview

How It Works

Transaction Types

Send Native Token

Send ERC-20 Token

Transaction Lifecycle

Tracking Transactions

Troubleshooting

Best Practices

Next Steps