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.
مفت API کلید حاصل کریں
Plans for the naira street rate API
مفت
$0
- RUB, UAH, EGP + آپ کے ملک کی کرنسی
- ویب سائٹ: تازہ ترین گھنٹہ۔ API: 1 دن کی تاخیر
- 100 درخواستیں روزانہ
- ہر پروڈکٹ کی مفت سطح، کلید کے بغیر بھی
Starter
از $39/ماہ
- آج کا ڈیٹا اور پروڈکٹ کی ہر فعال کرنسی
- 90 دن کی ہسٹری، JSON یا CSV
- 1,000 درخواستیں روزانہ
- EM FX News & Sentiment — $39/ماہ
- EM Parallel FX Market Size — $49/ماہ
- Rail Health Index — $39/ماہ
- FX Rate Stack — $39/ماہ
- Street FX Index — $39/ماہ: 117 فعال کرنسیاں، اور اضافہ جاری
- Unmet Demand Map — $39/ماہ
- USDT Liquidity & Premium — $39/ماہ
- تمام پروڈکٹس — $99/ماہ
Pro
از $119/ماہ
- Starter کی تمام سہولتیں، اور مکمل ہسٹری
- جہاں دستیاب ہوں وہاں گھنٹہ وار سیریز، MCP
- 10,000 درخواستیں روزانہ
- EM FX News & Sentiment — $119/ماہ
- EM Parallel FX Market Size — $149/ماہ
- Rail Health Index — $119/ماہ
- FX Rate Stack — $129/ماہ
- Street FX Index — $149/ماہ: 117 فعال کرنسیاں، اور اضافہ جاری · اسی دن کا ڈیٹا · گھنٹہ وار ریٹس (دن کے دوران) · Official vs Street · FX Stress Signals · EM FX Events
- Unmet Demand Map — $129/ماہ
- USDT Liquidity & Premium — $119/ماہ
- تمام پروڈکٹس — $249/ماہ
ادائیگی USDT (TRC-20) میں۔ سالانہ پلان ماہانہ پلان کے مقابلے میں 15% سستے ہیں۔
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.