Naira street rate API for Nigerian fintech

The task: price naira when the street and the official rate move apart

If you run transfers, wallets, dollar cards or payouts in Nigeria, you have to quote a naira rate that customers will accept and that your own books can survive. The official rate and the street rate differ, and the premium between them changes. A stale or unlabelled rate means losses, support tickets and awkward questions from compliance. You need a current figure you can trust and a history you can point to.

Today's naira street rate

As of 2026-10-28, the street rate for the US dollar in Nigeria is 1,358 NGN per USD, according to the EMpulse Street FX Index (15 sources, confidence high).

EMpulse Street FX Index — NGN

How the index fits your product

The API returns the street rate for the naira against the US dollar and USDT. Every figure carries a confidence class and the number of sources behind it, so your code can decide when to use it and when to fall back. The index is built from transaction-based market data and quotes from independent public market sources. Start with a free key to test the integration, then move to Starter or Pro when you need more history and higher request limits.

Products · Methodology · API docs

Plans for the naira street rate API

Payments in USDT (TRC-20). Yearly plans cost 15% less than monthly.

Questions from fintech teams

What is the street rate for the naira?

It is the rate at which people actually exchange naira for US dollars or USDT outside official channels. It often differs from the official rate, and the gap is the premium.

Where does the data come from?

The index is built from transaction-based market data and quotes from independent public market sources. Each figure shows how many sources stand behind it.

What do the confidence class and source count mean?

They tell you how well supported a figure is. A higher class with more sources is a firmer figure, and your system can use that to choose when to rely on it.

Can I try it before paying?

Yes. A free key gives you access to the index, with a delay on the free tier. Starter and Pro plans add fresher data, history and higher limits.

Is this investment advice?

No. EMpulse publishes a reference rate for pricing and reporting. It does not recommend buying or selling any currency.

• The street rate of the Pakistani rupee, as a number your business can use
• Street exchange rate of the Kyrgyz som for business
• The street dollar rate in Uzbekistan, as a feed your business can use
• Street hryvnia rate for your business, by API