What is the street rate and how does it differ from the official rate?

The street rate is the rate people actually pay when they exchange naira for US dollars or USDT. It can differ from the official rate. EMpulse shows it with a confidence class and the number of sources, so you can see how firmly each figure is supported.

What do healthy, degraded and outage mean for a payment rail?

Each status compares a rail with its own normal behaviour. Healthy means it is working as usual. Degraded means it works with visible problems. Outage means it is not usable at the moment. The health index and the availability through the day show how that status developed.

Which payment methods are covered?

Cards, bank transfers, instant transfers, e-wallets, mobile money, cash, crypto and direct local rails, for pay-ins and for payouts. The methods listed for Nigeria depend on what the index can observe at the time.

Can I use the index as a settlement reference?

Many desks use an independent daily reference as a neutral point between two parties. Agreeing to use it is a matter for you and your counterparty. The page and the API are reference information, not investment advice.

How do I get the data into my own systems?

Through the API, in addition to the website. The plans above show what each level includes, from a free view to fuller access.

Nigeria: a neutral NGN reference and a daily view of which payment rails work

Name: EMpulse Street FX Index — Nigerian naira (NGN) street rate
Creator: EMpulse
License: https://empulse.ai/terms

For OTC desks and exchangers in Nigeria who want one independent street rate to quote against, and a clear read on which pay-in and payout rails can be used today.

The desk's task: quote fairly, settle without surprises

An OTC desk or exchange house in Nigeria has to agree a rate with a counterparty and then move naira through bank transfers, instant transfers, cards, wallets or mobile money. The official rate and the rate people actually pay often differ, and each side tends to bring its own number. A rail that is slow or down on the day can stall a settlement that was priced correctly. The desk needs a neutral reference for the price and an honest status for the rails.

Today's street rate for NGN

As of 2026-11-08, the street rate for the US dollar in Nigeria is 1,372 NGN per USD, according to the EMpulse Street FX Index (35 sources, confidence high).

EMpulse Street FX Index — NGN

How the index and the Rail Health Index help

EMpulse publishes the street rate of the naira against the US dollar and USDT as a daily reference, with a confidence class and the number of sources shown on every figure. It is built from transaction-based market data and quotes from independent public market sources. The Rail Health Index adds the operational side. For each payment method in Nigeria it shows a status of healthy, degraded or outage, a health index measured against that rail's own norm, availability through the day and a supply class, separately for pay-ins and payouts. Both are available on the website and by API.

Məhsullar · Metodologiya · API sənədləri

Pulsuz API açarı əldə edin

Yalnız e-poçt: açar ölkəniz üçün hazır nümunə ilə dərhal gəlir. Gündə 100 sorğu, 1 günlük gecikmə. Və ya açarsız sınayın.

Plans

Pulsuz

RUB, UAH, EGP + ölkənizin valyutası
Sayt: son saat. API: 1 gün gecikmə
gündə 100 sorğu
Hər məhsulun pulsuz səviyyəsi, açarsız da

Pulsuz açar əldə edin

Starter hər məhsul üçün

başlayaraq $39/ay

Bugünkü məlumatlar və məhsulun bütün aktiv valyutaları
90 günlük tarixçə, JSON və ya CSV
gündə 1,000 sorğu
EM FX News & Sentiment — $39/ay
EM Parallel FX Market Size — $49/ay
Rail Health Index — $39/ay
FX Rate Stack — $39/ay
Street FX Index — $39/ay: 117 aktiv valyuta, sayı artır
Unmet Demand Map — $39/ay
USDT Liquidity & Premium — $39/ay
Bütün məhsullar — $99/ay

Starter əldə edin

Pro hər məhsul üçün

başlayaraq $119/ay

Starter-in hamısı, üstəlik tam tarixçə
Mövcud olduqda saatlıq seriyalar, MCP
gündə 10,000 sorğu
EM FX News & Sentiment — $119/ay
EM Parallel FX Market Size — $149/ay
Rail Health Index — $119/ay
FX Rate Stack — $129/ay
Street FX Index — $149/ay: 117 aktiv valyuta, sayı artır · Eyni günün məlumatları · Saatlıq məzənnələr (gün ərzində) · Official vs Street · FX Stress Signals · EM FX Events
Unmet Demand Map — $129/ay
USDT Liquidity & Premium — $119/ay
Bütün məhsullar — $249/ay

Pro əldə edin

Enterprise

—

Enterprise: tam ixraclar, fərdi etalon göstəricilər, SLA: kalkulyator

Enterprise

Ödənişlər USDT (TRC-20) ilə qəbul edilir. İllik planlar aylıq planlardan 15% ucuzdur.

Questions from OTC desks and exchangers

What is the street rate and how does it differ from the official rate?: The street rate is the rate people actually pay when they exchange naira for US dollars or USDT. It can differ from the official rate. EMpulse shows it with a confidence class and the number of sources, so you can see how firmly each figure is supported.
What do healthy, degraded and outage mean for a payment rail?: Each status compares a rail with its own normal behaviour. Healthy means it is working as usual. Degraded means it works with visible problems. Outage means it is not usable at the moment. The health index and the availability through the day show how that status developed.
Which payment methods are covered?: Cards, bank transfers, instant transfers, e-wallets, mobile money, cash, crypto and direct local rails, for pay-ins and for payouts. The methods listed for Nigeria depend on what the index can observe at the time.
Can I use the index as a settlement reference?: Many desks use an independent daily reference as a neutral point between two parties. Agreeing to use it is a matter for you and your counterparty. The page and the API are reference information, not investment advice.
How do I get the data into my own systems?: Through the API, in addition to the website. The plans above show what each level includes, from a free view to fuller access.

İndeksin ümumi metodologiyası: /methodology. İnvestisiya məsləhəti deyil.