Wallet Operations - Monei API

Overview

Your Monei EVM wallet works across all supported Ethereum-compatible networks with a single address. This guide covers wallet operations, balance management, and portfolio tracking. What you’ll learn:

Get wallet address and details
Check balances (native tokens and ERC-20)
View portfolio across networks
Get supported networks
Send tokens and native currency
Multi-chain management

Your EVM Wallet

Your EVM wallet uses the same address across all supported networks:

Single Address

One address works on all 6+ EVM chains

Multi-Chain

Manage assets across Ethereum, BSC, Polygon, etc.

Custodial

Monei securely manages your private keys

Get Wallet Address

Retrieve your EVM wallet address.

import MoneiSDK from 'monei-sdk';

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

// Get wallet information
const wallet = await monei.account.me();

// Find EVM subwallet
const evmWallet = wallet.subwallets.find(w => w.chain === 'EVM');

console.log('EVM Address:', evmWallet.publicAddress);
console.log('Chain:', evmWallet.chain);
console.log('Balance:', evmWallet.balance);

from monei import MoneiClient

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

# Get wallet information
wallet = monei.account.me()

# Find EVM subwallet
evm_wallet = next(w for w in wallet.subwallets if w.chain == 'EVM')

print(f'EVM Address: {evm_wallet.public_address}')
print(f'Chain: {evm_wallet.chain}')
print(f'Balance: {evm_wallet.balance}')

curl https://api.monei.cc/api/v1/wallet/me \
  -H "x-api-key: YOUR_API_KEY"

Response:

{
  "statusCode": 200,
  "message": "User wallet retrieved successfully",
  "data": {
    "nairaBalance": "1805.00",
    "subwallets": [
      {
        "id": "uuid-here",
        "type": "CRYPTO",
        "currency": "ETH",
        "balance": 0.00008,
        "chain": "EVM",
        "publicAddress": "0x4e7859f17B7A6b3D440D444b3e2157e3806EDA23",
        "evmPortfolio": { /* portfolio data */ }
      }
    ]
  }
}

Supported Networks

Get all supported EVM networks.

// Get supported networks
const networks = await monei.evm.getSupportedNetworks();

networks.forEach(network => {
  console.log(`${network.name} (Chain ID: ${network.chainId})`);
  console.log(`  Native Token: ${network.nativeToken}`);
  console.log(`  Explorer: ${network.blockExplorerUrl}`);
  console.log(`  Testnet: ${network.isTestnet}`);
});

# Get supported networks
networks = monei.evm.get_supported_networks()

for network in networks:
    print(f'{network.name} (Chain ID: {network.chain_id})')
    print(f'  Native: {network.native_token}')
    print(f'  Explorer: {network.block_explorer_url}')

curl https://api.monei.cc/api/v1/evm/networks \
  -H "x-api-key: YOUR_API_KEY"

Response:

{
  "statusCode": 200,
  "message": "Networks retrieved successfully",
  "data": [
    {
      "chainId": 56,
      "name": "BNB Smart Chain",
      "nativeToken": "BNB",
      "blockExplorerUrl": "https://bscscan.com",
      "isTestnet": false
    },
    {
      "chainId": 137,
      "name": "Polygon",
      "nativeToken": "MATIC",
      "blockExplorerUrl": "https://polygonscan.com",
      "isTestnet": false
    }
  ]
}

Supported Networks:

Network	Chain ID	Native Token	Block Time
Ethereum	1	ETH	~12s
BNB Smart Chain	56	BNB	~3s
Polygon	137	MATIC	~2s
Base	8453	ETH	~2s
Arbitrum	42161	ETH	~0.25s
Optimism	10	ETH	~2s

Get Native Token Balance

Check your native token balance (ETH, BNB, MATIC, etc.).

// Get native token balance for a specific chain
const balance = await monei.evm.getNativeBalance({
  chainId: 56 // BSC
});

console.log('Balance:', balance.balance, 'BNB');
console.log('In Wei:', balance.balanceWei);

# Get native balance
balance = monei.evm.get_native_balance(chain_id=56)

print(f'Balance: {balance.balance} BNB')
print(f'In Wei: {balance.balance_wei}')

curl "https://api.monei.cc/api/v1/evm/balance/native?chainId=56" \
  -H "x-api-key: YOUR_API_KEY"

Response:

{
  "statusCode": 200,
  "message": "Balance retrieved successfully",
  "data": {
    "balance": "0.5234"
  }
}

Get ERC-20 Token Balance

Check balance for specific ERC-20 tokens.

// Get USDT balance on BSC
const usdtBalance = await monei.evm.getTokenBalance({
  tokenAddress: '0x55d398326f99059fF775485246999027B3197955', // USDT on BSC
  chainId: 56
});

console.log('USDT Balance:', usdtBalance.balance);

// Get USDC balance on Polygon
const usdcBalance = await monei.evm.getTokenBalance({
  tokenAddress: '0x2791Bca1f2de4661ED88A30C99A7a9449Aa84174', // USDC on Polygon
  chainId: 137
});

console.log('USDC Balance:', usdcBalance.balance);

# Get USDT balance
usdt_balance = monei.evm.get_token_balance(
    token_address='0x55d398326f99059fF775485246999027B3197955',
    chain_id=56
)

print(f'USDT Balance: {usdt_balance.balance}')

# Get USDC balance
usdc_balance = monei.evm.get_token_balance(
    token_address='0x2791Bca1f2de4661ED88A30C99A7a9449Aa84174',
    chain_id=137
)

print(f'USDC Balance: {usdc_balance.balance}')

# Get USDT balance on BSC
curl "https://api.monei.cc/api/v1/evm/balance/token?tokenAddress=0x55d398326f99059fF775485246999027B3197955&chainId=56" \
  -H "x-api-key: YOUR_API_KEY"

Get Portfolio

View complete portfolio for a specific chain.

// Get portfolio for BSC (Chain ID 56)
const portfolio = await monei.evm.getPortfolio(56);

console.log('Network:', portfolio.network);
console.log('Wallet Address:', portfolio.walletAddress);
console.log('Total Value:', portfolio.totalPortfolioValueUSD, 'USD');

// Native token
console.log('\nNative Token:');
console.log('  Symbol:', portfolio.nativeToken.symbol);
console.log('  Balance:', portfolio.nativeToken.balance);
console.log('  USD Value:', portfolio.nativeToken.balanceUSD);

// ERC-20 tokens
console.log('\nERC-20 Tokens:');
portfolio.tokens.forEach(token => {
  console.log(`  ${token.symbol}: ${token.balance} ($${token.balanceUSD})`);
  console.log(`    Contract: ${token.contractAddress}`);
  console.log(`    Price: $${token.priceUSD}`);
});

# Get portfolio for BSC
portfolio = monei.evm.get_portfolio(56)

print(f'Network: {portfolio.network}')
print(f'Total Value: ${portfolio.total_portfolio_value_usd}')

# Native token
print(f'\nNative: {portfolio.native_token.symbol}')
print(f'  Balance: {portfolio.native_token.balance}')
print(f'  USD Value: ${portfolio.native_token.balance_usd}')

# Tokens
print('\nTokens:')
for token in portfolio.tokens:
    print(f'  {token.symbol}: {token.balance} (${token.balance_usd})')
    print(f'    Contract: {token.contract_address}')

curl https://api.monei.cc/api/v1/evm/portfolio/56 \
  -H "x-api-key: YOUR_API_KEY"

Response:

{
  "statusCode": 200,
  "message": "Portfolio retrieved successfully",
  "data": {
    "userId": "user-id-here",
    "walletAddress": "0x4e7859f17B7A6b3D440D444b3e2157e3806EDA23",
    "network": "BNB Smart Chain",
    "totalPortfolioValueUSD": "1250.75",
    "nativeToken": {
      "contractAddress": null,
      "name": "BNB",
      "symbol": "BNB",
      "decimals": 18,
      "type": "native",
      "balance": "0.5234",
      "balanceUSD": "150.25",
      "priceUSD": "287.00",
      "rawBalance": "523400000000000000",
      "network": "BNB Smart Chain"
    },
    "tokens": [
      {
        "contractAddress": "0x55d398326f99059fF775485246999027B3197955",
        "name": "Tether USD",
        "symbol": "USDT",
        "decimals": 18,
        "type": "token",
        "balance": "1000.50",
        "balanceUSD": "1000.50",
        "priceUSD": "1.00",
        "rawBalance": "1000500000000000000000",
        "network": "BNB Smart Chain",
        "logoUrl": "https://assets.coingecko.com/coins/images/325/large/Tether.png"
      },
      {
        "contractAddress": "0x8AC76a51cc950d9822D68b83fE1Ad97B32Cd580d",
        "name": "USD Coin",
        "symbol": "USDC",
        "decimals": 18,
        "type": "token",
        "balance": "100.00",
        "balanceUSD": "100.00",
        "priceUSD": "1.00",
        "rawBalance": "100000000000000000000",
        "network": "BNB Smart Chain"
      }
    ],
    "updatedAt": "2024-02-15T10:30:00Z"
  }
}

Send Native Token

Send native tokens (ETH, BNB, MATIC, etc.) to another address.

// Send 0.01 BNB on BSC
const tx = await monei.evm.sendNativeToken({
  to: '0xRecipientAddress',
  amount: '0.01',
  chainId: 56
});

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

// Check transaction status
const status = await monei.evm.getTransactionStatus(tx.txHash, 56);
console.log('Status:', status.status);
console.log('Confirmations:', status.confirmations);

# Send native token
tx = monei.evm.send_native_token(
    to='0xRecipientAddress',
    amount='0.01',
    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": "0xRecipientAddress",
    "amount": "0.01",
    "chainId": 56
  }'

Response:

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

Send ERC-20 Token

Send ERC-20 tokens to another address.

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

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

// Send USDC on Polygon
const usdcTx = await monei.evm.sendToken({
  to: '0xRecipientAddress',
  tokenAddress: '0x2791Bca1f2de4661ED88A30C99A7a9449Aa84174', // USDC on Polygon
  amount: '50',
  chainId: 137
});

console.log('USDC Transaction:', usdcTx.txHash);

# Send USDT
tx = monei.evm.send_token(
    to='0xRecipientAddress',
    token_address='0x55d398326f99059fF775485246999027B3197955',
    amount='100',
    chain_id=56
)

print(f'Transaction Hash: {tx.tx_hash}')

# Send USDC on Polygon
usdc_tx = monei.evm.send_token(
    to='0xRecipientAddress',
    token_address='0x2791Bca1f2de4661ED88A30C99A7a9449Aa84174',
    amount='50',
    chain_id=137
)

print(f'USDC Transaction: {usdc_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": "0xRecipientAddress",
    "tokenAddress": "0x55d398326f99059fF775485246999027B3197955",
    "amount": "100",
    "chainId": 56
  }'

Response:

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

Multi-Chain Portfolio

View assets across all networks.

// Get portfolio across all chains
const chains = [56, 137, 1, 8453, 42161, 10]; // BSC, Polygon, ETH, Base, Arbitrum, Optimism

const portfolios = [];
let totalValue = 0;

for (const chainId of chains) {
  try {
    const portfolio = await monei.evm.getPortfolio(chainId);
    portfolios.push(portfolio);
    totalValue += parseFloat(portfolio.totalPortfolioValueUSD);
    
    console.log(`${portfolio.network}: $${portfolio.totalPortfolioValueUSD}`);
  } catch (error) {
    console.log(`${chainId}: No assets`);
  }
}

console.log('\nTotal Portfolio Value:', totalValue, 'USD');

// Group by token
const tokenBalances = {};
portfolios.forEach(p => {
  p.tokens.forEach(token => {
    if (!tokenBalances[token.symbol]) {
      tokenBalances[token.symbol] = 0;
    }
    tokenBalances[token.symbol] += parseFloat(token.balanceUSD);
  });
});

console.log('\nBalances by Token:');
Object.entries(tokenBalances).forEach(([symbol, value]) => {
  console.log(`  ${symbol}: $${value.toFixed(2)}`);
});

# Get multi-chain portfolio
chains = [56, 137, 1, 8453, 42161, 10]

total_value = 0
portfolios = []

for chain_id in chains:
    try:
        portfolio = monei.evm.get_portfolio(chain_id)
        portfolios.append(portfolio)
        total_value += float(portfolio.total_portfolio_value_usd)
        
        print(f'{portfolio.network}: ${portfolio.total_portfolio_value_usd}')
    except Exception as e:
        print(f'{chain_id}: No assets')

print(f'\nTotal Value: ${total_value}')

Common Token Addresses

Stablecoins

USDT
USDC
CNGN

Network	Contract Address
BSC	`0x55d398326f99059fF775485246999027B3197955`
Polygon	`0xc2132D05D31c914a87C6611C10748AEb04B58e8F`
Ethereum	`0xdAC17F958D2ee523a2206206994597C13D831ec7`
Arbitrum	`0xFd086bC7CD5C481DCC9C85ebE478A1C0b69FCbb9`

Network	Contract Address
BSC	`0x8AC76a51cc950d9822D68b83fE1Ad97B32Cd580d`
Polygon	`0x2791Bca1f2de4661ED88A30C99A7a9449Aa84174`
Ethereum	`0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48`
Base	`0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913`

Network	Contract Address
BSC	`0xaAa9214F675316182Eaa21C85f0Ca99160CC3AAA`
Polygon	`0x8a87497488073307E1a17e8A12475a94Afcb413f`
Ethereum	`0x...` (check latest)

Best Practices

Verify Addresses

Always verify recipient addresses before sending

Check Network

Ensure recipient supports the network you’re using

Test Small First

Send small test amount before large transfers

Monitor Gas

Keep native token for gas fees on each chain

Use Low-Cost Chains

Use Polygon or BSC for smaller transactions

Track Portfolio

Regularly check portfolio across all chains

Gas Fees

Keep native tokens for gas on each network:

Network	Typical Gas Cost	Recommended Balance
Polygon	$0.001 -$ 0.01	0.1 MATIC
BSC	$0.05 -$ 0.20	0.01 BNB
Base	$0.02 -$ 0.10	0.001 ETH
Arbitrum	$0.10 -$ 0.50	0.002 ETH
Optimism	$0.05 -$ 0.30	0.002 ETH
Ethereum	$2.00 -$ 10.00	0.01 ETH

Troubleshooting

Transaction Failed

Common causes:

Insufficient balance for amount + gas
Invalid recipient address
Network congestion
Gas price too low

Solutions:

Check balance includes gas fees
Verify address format
Retry with higher gas
Wait for network congestion to clear

Transaction Pending

Problem: Transaction stuck in pending stateConfirmations needed:

Ethereum: 12 blocks (~3 min)
BSC: 15 blocks (~45 sec)
Polygon: 128 blocks (~4 min)
Base/Arbitrum/Optimism: Near instant

Action:

Wait for required confirmations
Check block explorer
Contact support if pending > 1 hour

Wrong Network

Problem: Sent to wrong networkPrevention:

Always verify network before sending
Check recipient supports the network
Use network-specific explorers

Recovery:

If same address on both networks, tokens are safe
Import wallet to correct network
Contact support for assistance

Next Steps

Transactions

Learn about EVM transaction management

Token Swaps

Swap tokens across DEXs

Networks

Deep dive into supported networks

Security

Learn security best practices

​Overview

​Your EVM Wallet

Single Address

Multi-Chain

Custodial

​Get Wallet Address

​Supported Networks

​Get Native Token Balance

​Get ERC-20 Token Balance

​Get Portfolio

​Send Native Token

​Send ERC-20 Token

​Multi-Chain Portfolio

​Common Token Addresses

​Stablecoins

​Best Practices

Verify Addresses

Check Network

Test Small First

Monitor Gas

Use Low-Cost Chains

Track Portfolio

​Gas Fees

​Troubleshooting

​Next Steps

Transactions

Token Swaps

Networks

Security

Overview

Your EVM Wallet

Get Wallet Address

Supported Networks

Get Native Token Balance

Get ERC-20 Token Balance

Get Portfolio

Send Native Token

Send ERC-20 Token

Multi-Chain Portfolio

Common Token Addresses

Stablecoins

Best Practices

Gas Fees

Troubleshooting

Next Steps