Naira street rate and USDT liquidity for payout treasuries
EMpulse gives remittance and payout teams in Nigeria one street rate for the naira per day, plus a read on how easily the dollar moves through USDT.
The task: price corridors and reconcile payouts against the real market
You pay out naira, and the official window is not the rate your recipients can actually get for their money. Pricing a corridor off the official rate either gives away margin or leaves a gap at reconciliation. Your treasury also has to know when dollars and USDT are easy to move in and out of the country, and what that costs over the official rate.
Today's naira street rate
As of 2026-11-12, the street rate for the US dollar in Nigeria is 1,377 NGN per USD, according to the EMpulse Street FX Index (45 sources, confidence medium).
How the index helps a payout treasury
The index publishes one daily street rate for the naira against the US dollar and USDT, built from transaction-based market data and quotes from independent public market sources. Next to it sits a liquidity reading per day, and per hour on higher plans: the pay-in and payout balance, the spread, the active hours of the day, the premium over the official rate and a supply class. Every figure carries a confidence class and the number of sources behind it, so you can see how much weight it can bear before you reprice a corridor.
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Plans
Gratis
$0
- RUB, UAH, EGP + la moneda de su país
- Sitio: última hora. API: 1 día de retraso
- 100 solicitudes/día
- El nivel gratuito de cada producto, incluso sin clave
Starter
desde $39/mes
- Datos del mismo día y todas las monedas activas del producto
- 90 días de historial, JSON o CSV
- 1,000 solicitudes/día
- EM FX News & Sentiment — $39/mes
- EM Parallel FX Market Size — $49/mes
- Rail Health Index — $39/mes
- FX Rate Stack — $39/mes
- Street FX Index — $39/mes: 118 monedas activas, y en aumento
- Unmet Demand Map — $39/mes
- USDT Liquidity & Premium — $39/mes
- Todos los productos — $99/mes
Pro
desde $119/mes
- Todo lo de Starter, más el historial completo
- Series por hora donde existen, MCP
- 10,000 solicitudes/día
- EM FX News & Sentiment — $119/mes
- EM Parallel FX Market Size — $149/mes
- Rail Health Index — $119/mes
- FX Rate Stack — $129/mes
- Street FX Index — $149/mes: 118 monedas activas, y en aumento · Datos del mismo día · Cotizaciones por hora (intradía) · Official vs Street · FX Stress Signals · EM FX Events
- Unmet Demand Map — $129/mes
- USDT Liquidity & Premium — $119/mes
- Todos los productos — $249/mes
Pagos en USDT (TRC-20). Los planes anuales cuestan un 15% menos que los mensuales.
Questions from payout and treasury teams
- Why use a street rate instead of the official rate for payouts?
- The street rate is the price people actually pay for dollars. Reconciling payouts against it shows the gap between your corridor price and the real market, which the official window alone does not show.
- What does the liquidity reading tell me?
- It shows where and when the dollar moves through USDT: the balance between pay-in and payout, the spread, the hours when the market is most active, the premium over the official rate and a supply class for the day.
- How do I know how far to trust a figure?
- Each figure is published with a confidence class and the number of sources behind it. A figure with a lower class should be treated more carefully than one with a higher class.
- Can I get the numbers into my own systems?
- Yes. The index is available on the website and through the API, and the plans below show what each level includes.