Updated every 60 seconds • Today, 14 July 2026 • Tracked via USDT, the digital dollar
Open-market rate • what a dollar actually buys
| USDT | Naira (live rate) |
|---|---|
| 1 USDT | ₦1,378 |
| 10 USDT | ₦13,780 |
| 20 USDT | ₦27,560 |
| 25 USDT | ₦34,450 |
| 50 USDT | ₦68,900 |
| 100 USDT | ₦137,800 |
| 200 USDT | ₦275,600 |
| 500 USDT | ₦689,000 |
| 1,000 USDT | ₦1,378,000 |
| 2,000 USDT | ₦2,756,000 |
| 5,000 USDT | ₦6,890,000 |
| 10,000 USDT | ₦13,780,000 |
| Naira | USDT (live rate) |
|---|---|
| ₦50,000 | 36.28 USDT |
| ₦100,000 | 72.57 USDT |
| ₦500,000 | 362.84 USDT |
| ₦1,000,000 | 725.69 USDT |
| ₦2,000,000 | 1,451.38 USDT |
| ₦5,000,000 | 3,628.45 USDT |
| ₦10,000,000 | 7,256.89 USDT |
| ₦50,000,000 | 36,284.47 USDT |
≈ ₦1,378 at the live open-market rate. The widget above refreshes every 60 seconds. The official CBN window trades within a few percent of this since the 2023 FX reforms.
The CBN official window is where banks and institutions transact. The open-market rate — tracked here via USDT, the digital dollar — is what individuals can actually access. Since the naira float, the two have converged to a small spread.
If your dollars are (or can become) USDT, Monica converts them at the live rate with 0% fees and pays any Nigerian bank in under 60 seconds after your deposit confirms on-chain. Dollars from abroad arrive as USDT in minutes for about $1 in network fees.
≈ ₦137,800 at the live rate. $500 ≈ ₦689,000; $1,000 ≈ ₦1,378,000.
USDT is a tokenized dollar with a deep, continuously-traded NGN market. Its price is the cleanest real-time read on what a dollar is worth in naira right now — updated every minute of every day, weekends included.
It moves continuously with supply and demand. The widget above always shows the current minute; treat any static number (including in search results) as a reference, not a quote.
Live open-market rate, 0% fees, every Nigerian bank. Via USDT on Monica.
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