Naira street rate API for Nigerian fintech
EMpulse gives fintech teams the rate people actually pay for dollars in Nigeria, shown next to the official rate, in one feed you can call from your product.
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 2026-11-08, 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).
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.
Pata ufunguo wa API bila malipo
Plans for the naira street rate API
Bure
$0
- RUB, UAH, EGP + sarafu ya nchi yako
- Tovuti: saa ya hivi karibuni. API: ucheleweshaji wa siku 1
- maombi 100 kwa siku
- Kiwango cha bure cha kila bidhaa, hata bila ufunguo
Starter
kuanzia $39/mwezi
- Data ya leo na kila sarafu inayotumika ya bidhaa
- Historia ya siku 90, JSON au CSV
- maombi 1,000/siku
- EM FX News & Sentiment — $39/mwezi
- EM Parallel FX Market Size — $49/mwezi
- Rail Health Index — $39/mwezi
- FX Rate Stack — $39/mwezi
- Street FX Index — $39/mwezi: sarafu 117 zinazotumika, na idadi inaongezeka
- Unmet Demand Map — $39/mwezi
- USDT Liquidity & Premium — $39/mwezi
- Bidhaa zote — $99/mwezi
Pro
kuanzia $119/mwezi
- Yote ya Starter, pamoja na historia kamili
- Mfululizo wa kila saa pale unapopatikana, MCP
- maombi 10,000/siku
- EM FX News & Sentiment — $119/mwezi
- EM Parallel FX Market Size — $149/mwezi
- Rail Health Index — $119/mwezi
- FX Rate Stack — $129/mwezi
- Street FX Index — $149/mwezi: sarafu 117 zinazotumika, na idadi inaongezeka · Data ya siku hiyo hiyo · Viwango vya kila saa (ndani ya siku) · Official vs Street · FX Stress Signals · EM FX Events
- Unmet Demand Map — $129/mwezi
- USDT Liquidity & Premium — $119/mwezi
- Bidhaa zote — $249/mwezi
Enterprise
—
- Enterprise: usafirishaji kamili wa data, vigezo maalum vya ulinganisho, SLA: kikokotoo
Malipo kwa USDT (TRC-20). Mipango ya mwaka ni nafuu kwa 15% kuliko ya kila mwezi.
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.