In 2024, the Nigerian naira lost approximately 40% of its value against the US dollar. In the same period, a savings account offering 8% APY on USDT would have preserved — and grown — your purchasing power.
Let us break down the math.
The Naira Problem
Traditional savings accounts in Nigeria offer 1–5% annual interest on naira deposits. But with inflation running at 25–35%, the real return is deeply negative. ?1,000,000 saved in January is worth approximately ?650,000–?750,000 in purchasing power by December.
The USDT Alternative
If you convert that ?1,000,000 to USDT (at ?1,500/USDT ? $667) and place it in a flexible vault earning 8% APY, you end the year with approximately $720 — which, even if the naira depreciates further to ?1,800/USDT, is worth ?1,296,000.
That is a 30% advantage over holding naira — and it gets better the more the naira depreciates.
ZWAP Vault Options
We offer flexible vaults (deposit and withdraw anytime) and fixed-term vaults (30, 60, 90, 180, 365 days) with higher locked rates. All vaults hold USDT or USDC — not naira — so your principal is always dollar-denominated.
