Your Naira is Losing Value Every Day

What This Means in Real Numbers

Let's say you saved ₦500,000 in January 2025:
With 8% bank interest: Your balance grows to ₦540,000 by January 2026
After 15.15% inflation: The purchasing power of that ₦540,000 is equivalent to only ₦469,650 in 2025 naira
Your real loss: ₦30,350 in purchasing power, that's over 6% of your savings, gone
And this assumes the inflation rate stays at 15.15%. Remember, Nigeria recorded inflation rates as high as 34.80% in December 2024 before the NBS changed its calculation methodology.

While headline inflation has moderated, food inflation still hit 10.84% in December 2025, and if you have a family to feed, you know the real cost feels much higher. The prices of tomatoes, rice, beans, cooking oil, and other staples continue to fluctuate wildly.
For the average Nigerian household that spends 50-60% of income on food, this means your naira savings are losing value even faster than the official statistics suggest.

With the CBN's Monetary Policy Rate at 27%, banks are borrowing from the central bank at high rates and lending to customers at even higher rates (19.50% - 23% for prime lending).
Meanwhile, your savings account? You get a measly 4-8%, while inflation eats away at your wealth.
The brutal math: Banks profit from the spread between what they pay you (8%) and what they charge borrowers (20%+), while you, the saver, bear all the inflation risk.

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Create an account with Remitano to avoid inflation

How to prevent the impact of inflation on your naira

Investing in fiat currency like the naira has shown no resistance to inflation. But the fifth kind of currency is a digital currency. It has proven to be an effective way to hedge against and help you prevent the impact of inflation. Typical examples of digital currency are Bitcoin, Ethereum, and Cardano.

A major problem with investing in the listed currency is volatility, however, there is a kind of digital currency known as Stablecoins. Stablecoin provides an alternative to the high volatility of the most popular cryptocurrency. There are more useful as a medium of exchange and they maintain stability in their price. Examples of stablecoin include USDT, USDC, and UST.

Investing in Stablecoin is like saving your money in the dollar on your phone without leaving your house the physically change your naira to the dollar.

If you had saved $10 million in a savings account in 2020. Today you would have gotten a cumulative interest of approximately 4%. That means your money will be worth #10.4 million. However, with the inflation rate of 16.82% the actual worth of your money is $8,650,720. Which means you have lost $1,749,280 of the value of your money to inflation.

What if you had saved the #10 million on a stable coin like USDT? The official average exchange rate in 2020 was #358 per dollar. You would have bought 27,932 worth of USDT. Using today's exchange rate of $710 per dollar. If you were to sell your USDT today that will be worth #19,831,720.

That means you have made almost #10 million in profit about 2x of your investment. With the example above we can conclude that saving in stablecoin is non-negotiable. If you plan to prevent the impact of inflation on your naira without saving on highly volatile cryptocurrency.

Create an account with Remitano to avoid inflation

How to Start Saving in USDT Today

Getting started is simpler than you think:
Step 1: Create Your Remitano Account
Visit Remitano and sign up in less than 5 minutes. Remitano is one of Nigeria's most trusted cryptocurrency platforms, serving hundreds of thousands of Nigerians since 2015.

Step 2: Complete Verification
Complete the quick verification process. This protects your account and ensures compliance with regulatory requirements.

Step 3: Buy USDT
Fund your account
Start with as little as ₦5,000, there's no minimum balance requirement.

Step 4: Start Earning
Once you hold USDT, you can:
Keep it safe in your wallet
Use it for payments or trade it back to naira anytime you need