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Pastor (Dr.) Legson J Paninga with Wife (Pastor Mrs. Favour Paninga) and three (3) beautiful kids Pastor Legson Paninga (Left) alongside His Beloved Wife; Pastor Mrs. Favour Paninga (DISCLAIMER: This week's E-Magazine publication series is based on my personal experience. I was not paid to write it. No one from FDIM asked me to publish it. I’m not even an official member yet.) Hello, IbiFounders! This is Simon Zaku - Founder, CEO, IbiFoundry Limited and for this week's Ibi-Talent Hunt Series, we will be doing something quite didifferent. Something unique. Ready? You see, I’ve never written a post like this before. But after several months of attending Father’s Delight International Ministries (FDIM) , Jalingo branch… …I knew I couldn’t keep quiet anymore. I mean, this is the exact reason, purpose and drive that myself and the IbiFoundry E-Magazine team designed our one-of-a-kind Ibi-Talent Hunt Series. To find, locate and shed light on Taraba (and Nigeria's) hidden/negletted Nigerian talents, ideas, outstanding public figures, businesses, talents and untold Nigerian stories I strongly believe the entire world needs to know about. So let us do something special in this week's Ibi-Talent Hunt Series featufeaturing Taraba's very own Pastor LEGSON PANINGA. You see, some men of God don’t just preach the Word — they teach it so clearly that your spirit has no choice but to grow. That’s how I’d describe Pastor Legson Paninga. This is not a paid promotion. And I don’t work for FDIM. I’m simply sharing my honest Nigerian experience in this publication. Because I believe the world deserves to know about this remarkable teacher of God’s Word. Let’s begin. To Begin with, Who Is Pastor (Dr.) Legson Paninga? Pastor Legson Paninga is the resident pastor of Father’s Delight Ministries, Jalingo chapter. He is a powerful, humble, and wisdom-filled man of God who truly understands what it means to teach  the Word. He’s not just a pastor. He’s also a coach, a mentor, and a consultant helping people grow spiritually, emotionally, and even relationally through his personal brand: “Towards A Better Home.” With his wife, Pastor Favour Paninga, they’re building strong homes and stronger faith communities — one soul at a time. A Quick Look at FDIM Jalingo: The Spiritual Oasis I Didn’t Know I Needed FDIM Jalingo isn’t the biggest church in Taraba. But I can tell you from experience — it might be one of the most spiritually authentic. It’s a place where the moment you step in, you don’t feel judged. You feel seen . You feel fed . You feel home . I was invited by a dear friend and sister in Christ, Love Samuel. That one invite is one I am glad I graced. My First Personal Experience at FDIM (And Why I’ve Never Looked Back) It was a regular Sunday. But what I heard that day was anything but regular. Pastor Legson was teaching about the body, soul, and spirit. He used a clear, relatable illustration to show how our spirit is the “middleman” that hears from the Holy Spirit and passes messages to our mind. Then — this blew me away — he randomly called six members of the church by name  to demonstrate his points and teachings even better. It wasn’t rehearsed. And I believe everyone understood the message. Because Pastor Paninga explained just like a parent would explain something complex in the simplest forms to a 7-year old kid. From teenagers to elders. And that’s when I realized: This Man of God, isn’t just preaching . He’s teaching. Why His Teaching Style Changed Everything for Me Most pastors preach with fire and passion — and that’s powerful. But teaching gives you understanding. And for someone like me, understanding is where transformation begins. Pastor Legson doesn’t shout. He explains. He paints pictures with words. He gives relatable life examples. And most importantly? He makes sure everyone  understands. 2 Impactful Sermons by Pastor Legson I’ll Never Forget 1. The Significance of Easter I’ve celebrated Easter all my life. But this one message explained it in a way I’d never heard before. He said: “There was no connection between us and God. But in His love, God gave His most precious possession – Jesus – to restore that link.” That moment shifted something in me. 2. Spirit-Mind Connection In another service, Pastor Legson said: “The Holy Spirit doesn’t speak to your flesh. He speaks to your spirit. And your spirit informs your soul.” That message helped me understand why sometimes God speaks and people miss it — because their spirit isn’t tuned. 2 Personal Quotes from Pastor Legson That Hit My Heart Deeply “You are not too far to hear from God. You are just too distracted to notice.” “Jesus is not just God’s only Son — He is the first. You and I are also sons. Let that identity sink in.” Those words have stayed with me. Because they remind me of who I am in Christ. 5 Unique Things I Absolutely Love About Pastor Legson Paninga He knows his members by name.  Even if it’s your first time, he’ll recognize you. He teaches — not just preaches.  You leave with understanding, not just goosebumps. He is deeply punctual.  Services start and end on time. At least all the times I have attended. He offers direct access.  You can get his WhatsApp for mentorship. Zero pride. He practices what he preaches.  His lifestyle, content, and conversations all align with his messages. What’s Next? The Man Behind “Towards A Better Home” Beyond the pulpit, Pastor Legson is a relationship and personal development coach. He runs a consulting brand called Towards A Better Home , focused on helping families and individuals grow in godliness and wisdom. You can follow his content on Facebook and Instagram. It’s not just inspiring — it’s insightful. Want to Experience This for Yourself? Come Worship With Us If you’re in Jalingo, Taraba State — or even visiting on a Sunday… …I, Simon Taki Zaku , personally invite you to attend any of the FDIM services. No pressure. Just come and listen. I strongly believe the message will meet you where you are. And transform your life from there. FDIM Church Contact Info Church Name:  Father’s Delight International Ministries (FDIM), Jalingo Pastor’s Number:  +234 803 482 1674 Telegram Livestream:   FDIM Telegram Instagram:   @legsonpaninga Facebook Page:   FDIM Jalingo [Want to show support? Please contact FDIM directly to request for the official verified NGN & USD account details] DISCLAIMER: This Is Not a Sponsored Post This article is based on my personal experience . I was not paid to write it. No one from FDIM asked me to publish it. I’m not even an official member yet. I was invited by my sister in Christ — Love Samuel . And from the very first day I stepped into that church… …I knew I’d met a true man of God. So everything shared here is from me , Simon Taki Zaku. With no external influence. Just some gratitude from a mentee, and member of FDIM, Jalingo Chapter.

Lukman Yusuf Ladan: 2025 Zonal Director of Sport NANS ZONE E (North East, Nigeria) This Week's Ibi-Talent Hunt Series (featuring local talents, outstanding ideas, hidden heroes, and impact-driven changemakers from Ibi, Taraba, and beyond) FROM IBI TO OUTSTABDING YOUTH LEADERSHIP & VISIONARY: LUKMAN'S BOLD VISION FOR NIGERIAN YOUTH EMPOWERMENT Some people chase titles. Others earn legacy. When I first met Lukman Yusuf Ladan, I assumed he was the president of NANs — the Nigerian apex student body. It wasn’t just his confidence that convinced me; it was the way people moved when he spoke, how he strategized events with laser focus, and how he wore his passion for student growth like a badge of honour. Lukman Yusuf Ladan's Campaign Poster So imagine my surprise when I found out this brother is just  the Sports Director. But make no mistake, Lukman is doing presidential-level work. From Taraba to the FCT, this young leader is using sports, programs, summits, and powerful collaborations to empower Nigerian students far beyond the classroom. This is not just another feature. This is the IbiFoundry Talent Hunt spotlight on a rare gem from Dampar village, Ibi Local Government, Taraba State. WHO IS LUKMAN YUSUF LADAN? Lukman Yusuf Ladan is a native of Dampar, a serene but ambitious village in Ibi LGA, Taraba State. He is currently a student at Taraba State University (TSU), and more notably, the National Association of Nigerian Students (NANs) Director of Sports . WHO IS LUKMAN YUSUF LADAN FROM TARABA STATE? But his reputation exceeds his title. Lukman has carved a name for himself through sheer grit, constant work, and a strong commitment to changing the narrative of Nigerian studentship. He's organized multiple programs across Taraba and Abuja including leadership trainings, capacity-building workshops, and career-focused summits. His mission? To ensure Nigerian students develop beyond  the blackboard. CMR Lukman Y. Ladan: A Quiet Storm from Dampar CMR Lukman Y. Ladan: A Quiet Storm from Dampar You know how they say the real ones move in silence? Well, meet Lukman Yusuf Ladan. A proud son of Dampar in Ibi LGA, Taraba State, Lukman is the kind of student leader who shocks you after  the work is done. You won’t find him shouting on social media or chasing clout. But give him a team, a cause, and some time? The results speak louder than any viral post. From afar, you might just think, “Ah, another NANs Sports Director.” But Lukman? He’s a force. One who works ten times harder than his title, carrying not just responsibility—but results. Growing up together before life separated us, I only reconnected with him two to three years ago through WhatsApp. Since then, watching his journey from a distance has been… breathtaking. Quiet updates. Big actions. Even bigger heart. Let’s talk about what makes him special. Table of Content (What this Publication Covers): A tale of two mantles  [How Lukman leads both NANs and Youth Vanguard for Better Taraba with passion and humility] Programs and projects that shake things up  [From student summits to health campaigns, a sneak peek into the impact he leads] The Student Unity Cup (Gombe 2025)  [Why this competition matters and Lukman’s vision for it] A quick sit-down with the man himself  [An exclusive, crafted interview with Lukman Yusuf Ladan on leadership, studenthood and unity] Shout-outs that matter  [The teammates, mentors, and national figures backing his mission] Why Lukman is one to watch  [A recommendation from IbiFoundry’s founder himself—and how to reach Lukman today] THE YOUTH VANGUARD FOR BETTER TARABA: GRASSROOT PROJECTS WITH REAL IMPACT (A TALE OF MULTIPLE LEADERSHIP MANTLES) Officially, Lukman is the Sports Director of NANs . But if you only see that part, you’re missing the full picture. He’s also the State Coordinator of Youth Vanguard for Better Taraba —a movement committed to social development, community advocacy, and youth empowerment. And in both places, he’s not just present—he’s leading . What’s even more powerful? Lukman leads from the background. He doesn’t announce every move. He just does . He pushes, he organizes, he rallies his teams to work. He sacrifices personal time to make things happen. His humility is as strong as his drive. THE PHILANTROPIC WORKS THAT SPEAKS FOR CMR LUKMAN YUSUF While many student leaders remain focused on short-term benefits or hollow popularity, Lukman is taking a different route — one paved with legacy. Career Development Summits  in Jalingo and Wukari: These events brought together thought leaders, industry mentors, and students for practical discussions on employability, leadership and entrepreneurship. Leadership Training in Abuja : Lukman has crossed state borders to empower students in the FCT, bringing a message of unity and intentional growth. Campus Sports Revival : Under his leadership, sports programs have returned to many TSU campuses, not just for recreation but for community building. SOME SPECIFIC COMMUNITY PROGRAMS AND VOLUNTARY PROJECTS THAT SPEAK LOUDER THAN WORDS Across Taraba, Abuja, and beyond, Lukman’s influence is everywhere—though you might not know it unless you look closer. Some highlights? (Images attached below - scroll 👇 to see): Substance Abuse Awareness at Lamurde Secondary School Community sanitation drives in Jalingo  (from Palace Way to Umaru Sale Street) Sensitization on STDs and post-secondary life for teens Education material donations to primary schools Ramadan packages for underprivileged students at TASU and College of Nursing Jalingo Orphanage visits, relief outreach, and clothes donation in Jalingo Working visits with NANs national and state figures—including education summits, security conferences, and digital innovation talks This is just a slice. The full list of activities, events, and movements he’s championed spans over 30 notable entries—with real pictures and real people affected. His latest project? One that could become the biggest student-led sports event in Northern Nigeria… The forthcoming NANS tudent Unity Cup —a first-of-its-kind student football competition organized by NANs and key stakeholders, led by Lukman himself. It’s not just a sporting event. It’s a vision for unity. SPOTLIGHT: THE NANs STUDENT UNITY CUP Coming up this month in Gombe State , the Students Unity Cup  is one of Lukman’s most ambitious project yet. This isn’t just about kicking a football. It’s about: Uniting diverse students from across zones Promoting peaceful collaboration and brotherhood Showcasing young talent in sports Bringing NANs stakeholders together to push a culture of proactive leadership “Sports is the fastest way to bring students together,” he said. “When you remove politics and tribal sentiments and just play, you’ll see the real Nigeria show up.” Gombe will host this national event, and from logistics to mobilization, Lukman is again at the center. The planning has involved multiple state coordinators, sponsors, and student communities — and Lukman is at the centre of it all. "Unity no be slogan to me, it’s a duty. Gombe go hear am this month." — Lukman EXCLUSIVE INTERVIEW: 5 QUESTIONS WITH LUKMAN YUSUF LADAN EXCLUSIVE INTERVIEW: QUESTIONS WITH LUKMAN YUSUF LADAN 1. Simon Zaku: Lukman, what drives your passion for studentship beyond academics? Lukman: Honestly, na my roots for our very ownDampar. We no get plenty light or opportunity there, but we get community. From small, I see how leadership no dey wait for age or title. When I enter TSU, I made up my mind: my impact go touch student life outside class. Career, mindset, exposure — na those ones we dey lack, and na those ones I wa n fix. 2. Simon Zaku: You juggle a lot—NANs, Vanguard, school. Why do you do it? Lukman: Honestly, I believe we owe our communities more than grades. I'm from Dampar, and growing up, we faced struggles. So now that I have access to leadership, I want to be a bridge. I don't do it alone, though. My teams—both in NANs and Vanguard—are the real backbone. 3. Simon Zaku: You’re not loud online. Why? Lukman: I no too like make noise. I believe if you’re really doing work, it’ll speak. If people go hear, they’ll hear it from impact—not mouth. 4. Simon Zaku: Tell us about your work with Youth Vanguard for Better Taraba. Lukman: We focus on sensitization, outreach, education, hygiene, and empowerment. We've visited orphanages, done town clean-ups, engaged students. It's not every time talk—sometimes na action. 5. Simon Zaku: What’s been your biggest challenge so far as Sports Director of NANs? Lukman: Omo, na perception. People think Sports Director just dey organize match. But I don show say sports fit unite, educate, and even develop leadership. Convincing stakeholders of that bigger picture no easy, but now dem dey see result. 6. Simon Zaku: Tell us about the Student Unity Cup. What should we expect? Lukman: This one big. From Gombe, we dey gather teams from different states. It go be sports, yes, but also ideas, collaboration, and leadership showcase. We want to show say students fit come together without strike, violence, or tribal issues. Na peace tournament. 7. Simon Zaku: What does the Student Unity Cup mean to you? Lukman: Unity. That’s the whole goal. I believe sports will help us remove labels and build better friendships across tribes, states, and backgrounds. I'm praying it turns into something national—even annual. 8. Simon Zaku: You’ve hosted programs in both Taraba and Abuja. What moment stands out for you? Lukman: Abuja summit last year. After the event, one 300 level guy tell me say he get clarity about his future for the first time. That moment humble me. I realise say even one inspired student fit change community. 9. Simon Zaku: What does the future look like for you in leadership? Lukman: I no dey rush position, but I dey prepare for responsibility. If the people call, I go answer. For now, I dey build capacity, study, and learn more ways to solve student problems with impact and vision. Leadership no be noise. Na service. 10. Simon Zaku: What's your dream going forward? Lukman: To serve more. Whether as a student leader or public servant. And if God permits, to become a bigger voice for young Nigerians who just want a better shot at life. Special Shout-Outs to the Real MVPs Behind-the-Scenes - from CMR Lukman Yusuf Ladan Lukman isn’t a lone ranger. In his words, “ If I call one person and don’t call the rest, I no go sleep well. ” But here are a few he specifically appreciates: The NANs National President  – for standing tall for student unity Youth Vanguard Team  – who do the work behind the scenes Student Union Leaders across Taraba & Abuja Dr. Yusuf (FMC Jalingo) , Mr. Kelvin Nuvalga , and Hon. Ibrahim Imam And finally, a special appreciation to Engineer Abdulazez Bala - for the constant support, guidance and mentorship WHY CMR LUKMAN Y. LADAN REPRESENTS A NEW ERA FOR STUDENT & YOUTH LEADERSHIP IN TARABA STATE & NIGERIA AT LARGE We’re in an era where young people crave genuine connection, not just long grammar. Lukman is showing that leadership isn’t about shouting at congress or posing with titles. It’s about: Consistent impact Humility in action Cross-regional relevance Passion tied to purpose FINAL VERDICT FROM IBIFOUNDRY CEO & IBI-TALENT HUNT HOST, SIMON TAKI ZAKU Finally, this is Simon Taki Zaku speaking, founder of IbiFoundry AND your humble Host for the Ibi-Talent Hunt Series. I’ve known Lukman since childhood. We lost touch and reconnected recently—and what I’ve discovered about his journey genuinely moved me. He’s the kind of person Nigeria needs  more of. Competent. Committed. Determined! I recommend him for any  student-related or youth-driven appointment, project, grant, or leadership platform. He won’t disappoint. At IbiFoundry, we shine the light on uncommon talent, and Lukman Yusuf Ladan is one of the brightest we’ve seen. For student-related appointments, youth projects, political grooming, or leadership tasks that require integrity and execution — we recommend him without hesitation . This brother - who is now officially an IBIFOUNDER, is the real deal. Want to Reach Lukman? You can connect with him directly: WhatsApp/Call:  +234 903 289 9499 Email:   LukmanYusufOrg@gmail.com Simon Taki Zaku Founder, CEO IbiFoundry About the Writer: Simon Taki Zaku Written & Published By: Simon Taki Zaku Founder, CEO, IbiFoundry Limited Website : https://ibifoundry.com.ng/ E-Magazine : IbiFoundry.com.ng/blog/ As  seen/featured on ; Forbes, Pixelied, Amazon, InfinityBlogAwards, GlobalSocialMediaCoaching, NinjaOutreach, A1Future, Persuasion-Nation, and many more publications. Who is Simon?: Simon Taki Zaku is a serial entrepreneur, consultant, public speaker, and the founder & CEO of IbiFoundry LLC. He inspires, writes, teaches, and builds solutions around digital marketing, sales funnels, content marketing, and media strategy. If I he's not researching on what to write about on IbiFoundry, he can be found playing table tennis, or e-Football games. Want to be Featured on Our Upcoming IbiFoundry Talent Hunt Series? Be Our Next Ibi-Talent Hunt Guest! Simon Zaku's Contact Emails : IbiFoundry@gmail.com , simonzakucom@gmail.com .

The Current EUR (€) to Naira - NGN (₦) Value (updated daily) Updated daily rates from both the Central Bank of Nigeria (CBN) and black-market sources. Please note that exchange rates fluctuate based on market demand, economic policies, and global currency trends. Euro (EUR) to Nigerian Naira (NGN) Exchange Rates Updated: May 11, 2025 Official (CBN) Rate: ₦1,823.12 per EUR Black-Market Rate: ₦1,828.00 per EUR Recent Exchange Rates May 10, 2025 Official Rate: ₦1,821.45 per EUR Black-Market Rate: ₦1,826.00 per EUR May 9, 2025 Official Rate: ₦1,820.64 per EUR Black-Market Rate: ₦1,825.00 per EUR May 8, 2025 Official Rate: ₦1,818.41 per EUR Black-Market Rate: ₦1,820.00 per EUR May 7, 2025 Official Rate: ₦1,821.75 per EUR Black-Market Rate: ₦1,810.00 per EUR May 6, 2025 Official Rate: ₦1,823.36 per EUR Black-Market Rate: ₦1,810.00 per EUR May 5, 2025 Official Rate: ₦1,817.28 per EUR Black-Market Rate: ₦1,800.00 per EUR May 4, 2025 Official Rate: ₦1,818.55 per EUR Black-Market Rate: ₦1,760.00 per EUR May 3, 2025 Official Rate: ₦1,812.62 per EUR Black-Market Rate: ₦1,760.00 per EUR Disclaimer: Exchange rates may vary by source and location. Always confirm with a reliable outlet before any currency transaction. What is the Nigerian Naira (NGN)? Growing up in Nigeria, I remember seeing and using naira coins before cash notes became dominant. Coins like the 1 kobo, 5 kobo, and even the 50 kobo were common, but over the years, inflation rendered them almost obsolete. Interestingly, I still have a small stash of these coins saved as souvenirs from decades ago. The Nigerian naira, introduced in 1973, replaced the pound during the economic shift to decimalization. Despite its challenges, the naira symbolizes Nigeria’s economic independence and is central to everyday life. To learn more, read my blog post: Nigerian Naira: Meaning and History Behind Nigeria’s Currency. What is the Euro (EUR)? (€) EUR to (₦) NGN Today: Understanding the Naira to Euro Exchange Rate The Current EUR (€) to Naira - NGN (₦) Value (updated daily) The euro is the official currency of 19 out of 27 European Union (EU) member states, known as the Eurozone. Launched in 1999 as an electronic currency, it became one of the most traded currencies in the world. Countries like France, Germany, Italy, and Spain use the euro for trade, investment, and tourism. For Nigerians, the euro plays a vital role in foreign exchange for education, healthcare, and business with European nations. EUR to NGN Exchange Rate Over the Years 1. 2010 1 EUR = ₦180 (official rate) The naira was stronger, thanks to relatively stable oil prices. 2. 2015 1 EUR = ₦250 Nigeria’s foreign reserves dropped due to declining oil prices, weakening the naira. 3. 2020 1 EUR = ₦470 (official rate) The COVID-19 pandemic affected global trade, pushing the naira to new lows. 4. 2023 1 EUR = ₦850 (official rate) The exchange rate gap between official and black-market rates widened significantly. 5. 2024 (Today) 1 EUR = ₦950 (official rate) On the parallel market, the rate is ₦1,200 per euro, driven by forex shortages. The Current EUR (€) to NGN (₦) Value Euro (EUR) to Nigerian Naira (NGN) Exchange Rates Updated: May 11, 2025 Official (CBN) Rate: ₦1,823.12 per EUR Black-Market Rate: ₦1,828.00 per EUR Recent Exchange Rates May 10, 2025 Official Rate: ₦1,821.45 per EUR Black-Market Rate: ₦1,826.00 per EUR May 9, 2025 Official Rate: ₦1,820.64 per EUR Black-Market Rate: ₦1,825.00 per EUR May 8, 2025 Official Rate: ₦1,818.41 per EUR Black-Market Rate: ₦1,820.00 per EUR May 7, 2025 Official Rate: ₦1,821.75 per EUR Black-Market Rate: ₦1,810.00 per EUR May 6, 2025 Official Rate: ₦1,823.36 per EUR Black-Market Rate: ₦1,810.00 per EUR May 5, 2025 Official Rate: ₦1,817.28 per EUR Black-Market Rate: ₦1,800.00 per EUR May 4, 2025 Official Rate: ₦1,818.55 per EUR Black-Market Rate: ₦1,760.00 per EUR May 3, 2025 Official Rate: ₦1,812.62 per EUR Black-Market Rate: ₦1,760.00 per EUR Disclaimer: Exchange rates may vary by source and location. Always confirm with a reliable outlet before any currency transaction. Why EUR to NGN Matters 1. Education and Healthcare : Nigerians studying or seeking medical care in countries like Germany, France, and Spain often transact in euros. 2. Trade and Business : Many Nigerian importers rely on the euro for goods purchased from Europe. 3. Tourism and Travel : The euro is key for Nigerians traveling across Europe for work or leisure. Economic Insights: EUR to NGN The widening gap between the naira’s official and parallel market rates reflects Nigeria’s foreign exchange crisis. Despite efforts by the Central Bank of Nigeria (CBN) to stabilize the currency, forex demand remains high due to import dependency and insufficient reserves. Factors Driving EUR to NGN Fluctuations Oil Prices : Nigeria’s economy heavily depends on crude oil, with prices directly impacting the naira. Inflation : Nigeria’s high inflation rate, which exceeded 24% in 2023, has weakened the naira. CBN Policies : Restrictions on forex access and devaluation decisions play a significant role. Key Takeaways - EUR NGN The naira-to-euro exchange rate mirrors Nigeria’s economic struggles and opportunities. Whether you're paying tuition in euros, importing goods, or traveling to Europe, staying informed about these rates is crucial. Do you transact in euros often? Share your experiences or tips in the comments! Join IbiFoundry and Share Your Story With Us If you want to learn more about Nigeria’s currency, check out my detailed post on the Nigerian Naira. Need help navigating forex challenges? Subscribe to my blog for insights tailored to Nigerians! Ready to transform your financial knowledge? Join the Ibi Foundry community today. Simon Taki Zaku, Founder, CEO, IbiFoundry.com.ng For Ibifoundry.com.ng/blog. Contact me at: simonzakucom@gmail.com or ibifoundry@gmail.com

Bitcoin (BTC) to Nigerian Naira (NGN) Exchange Rate Updated: May 11, 2025 Current Rate: ₦165,847,990.00 per BTC Recent Rates May 10, 2025 1 BTC = ₦165,200,120.00 May 9, 2025 1 BTC = ₦164,200,475.00 May 8, 2025 1 BTC = ₦162,632,987.00 May 7, 2025 1 BTC = ₦155,647,170.00 May 6, 2025 1 BTC = ₦152,188,356.00 May 5, 2025 1 BTC = ₦151,604,621.00 May 4, 2025 1 BTC = ₦153,832,463.00 May 3, 2025 1 BTC = ₦155,328,243.00 May 2, 2025 1 BTC = ₦154,895,423.00 Note: Cryptocurrency exchange rates are highly volatile and can change rapidly. Always verify with a trusted source before making any financial decisions. Read on... Table of Contents: What is Bitcoin (BTC)? What is the Nigerian Naira (NGN)? BTC vs. NGN Year-by-Year Value Comparison (2013–2025) The BTC to NGN Value Today Why Compare BTC and NGN? Why Does It Matter for Nigerians? Takeaway: The Future of BTC to NGN What is Bitcoin (BTC)? Bitcoin, commonly abbreviated as BTC, is the first and most prominent cryptocurrency. It was introduced in 2009 by a pseudonymous individual or group called Satoshi Nakamoto. Unlike traditional currencies, Bitcoin operates on a decentralized network called blockchain, which ensures transparency and security. Think of Bitcoin as digital gold – limited in supply (only 21 million will ever exist) and valuable due to its rarity and global demand. Bitcoin's use in Nigeria has skyrocketed, especially for remittances, online payments, and investments. According to a 2023 Chainalysis report, Nigeria ranks among the top 10 global adopters of cryptocurrency, driven by high inflation and currency instability. What is the Nigerian Naira (NGN)? The Nigerian Naira, abbreviated as NGN, is Nigeria’s official currency introduced in 1973, replacing the pound. The naira has denominations of coins and notes, with the ₦1,000 note being the highest value. For an in-depth history of the naira, including its cultural and historical significance, read my post on Nigeria's Naira. You’ll learn how it evolved, from the days of cowries to the modern notes we use today. BTC vs. NGN Year-by-Year Value Comparison (2013–2025) 1. 2013 BTC to NGN: ₦11,000 Bitcoin was still a niche investment in Nigeria, with limited adoption and accessibility. 2. 2015 BTC to NGN: ₦66,000 Gained attention as a speculative investment, especially among tech-savvy Nigerians. 3. 2017 BTC to NGN: ₦2,230,000 (peak during Bitcoin’s first major bull run) This was the year Nigerians began leveraging Bitcoin for international transactions. 4. 2020 BTC to NGN: ₦5,300,000 Pandemic-induced global uncertainty pushed Bitcoin’s value higher. 5. 2021 BTC to NGN: ₦23,100,000 (all-time high) Institutional interest and global crypto adoption skyrocketed its value. 6. 2023 BTC to NGN: ₦29,949,193 (average rate) Nigeria faced inflation, driving more citizens to seek Bitcoin as a hedge. 7. 2024 BTC to NGN: ₦155,769,002.44 Cryptocurrency’s volatile nature continues to shape its demand in Nigeria. 2025 Bitcoin (BTC) to Nigerian Naira (NGN) Exchange Rate Updated: May 11, 2025 Current Rate: ₦165,847,990.00 per BTC Recent Rates May 10, 2025 1 BTC = ₦165,200,120.00 May 9, 2025 1 BTC = ₦164,200,475.00 May 8, 2025 1 BTC = ₦162,632,987.00 May 7, 2025 1 BTC = ₦155,647,170.00 May 6, 2025 1 BTC = ₦152,188,356.00 May 5, 2025 1 BTC = ₦151,604,621.00 May 4, 2025 1 BTC = ₦153,832,463.00 May 3, 2025 1 BTC = ₦155,328,243.00 May 2, 2025 1 BTC = ₦154,895,423.00 Note: Cryptocurrency exchange rates are highly volatile and can change rapidly. Always verify with a trusted source before making any financial decisions. Why Compare BTC and NGN? Nigeria’s volatile exchange rates make Bitcoin an appealing alternative for investment, wealth storage, and cross-border transactions. However, it’s essential to weigh the risks: Bitcoin's value can swing drastically, making it a risky but potentially rewarding choice. Why Does It Matter for Nigerians? Nigerians, especially young entrepreneurs and freelancers, have embraced Bitcoin for its ease of international transactions and as a hedge against naira depreciation. Despite government crackdowns, peer-to-peer trading platforms have flourished, showing the resilience of crypto enthusiasts in the country. Takeaway: The Future of BTC to NGN Understanding the value of Bitcoin against the naira is more than just numbers – it reflects the economic struggles and financial innovations shaping Nigeria today. Want to stay updated on Bitcoin rates and explore how it can benefit you? Let’s talk more in the comments or reach out via email! Simon Taki Zaku, Founder, CEO, IbiFoundry LLC For Ibifoundry.com.ng/blog. Contact me at: simonzakukom@gmail.com or; ibifoundry@gmail.com

Real-Time Rate USD to NGN – Dollar to Naira Exchange Rate Today Updated May 11, 2025 Welcome to IbiFoundry’s Ultimate Guide on Dollar to Naira As of May 11th, 2025, the exchange rates for the United States Dollar (USD) to Nigerian Naira (NGN) are: Official Rate: ₦1,612.80 per USD Black-Market Rate: ₦1,632.00 per USD Recent Rates May 10, 2025 Official Rate: ₦1,611.20 per USD Black-Market Rate: ₦1,631.00 per USD May 9, 2025 Official Rate: ₦1,610.45 per USD Black-Market Rate: ₦1,630.00 per USD May 8, 2025 Official Rate: ₦1,608.90 per USD Black-Market Rate: ₦1,628.00 per USD May 7, 2025 Official Rate: ₦1,607.02 per USD Black-Market Rate: ₦1,625.00 per USD May 6, 2025 Official Rate: ₦1,605.70 per USD Black-Market Rate: ₦1,620.00 per USD May 5, 2025 Official Rate: ₦1,601.09 per USD Black-Market Rate: ₦1,610.00 per USD Please note: Exchange rates fluctuate daily based on market trends, economic conditions, and central bank policies. Always verify current rates before making currency transactions. The exchange rate between the US Dollar and Nigerian Naira (₦) is a hot topic for a good reason. If you’re Nigerian or doing business in Nigeria, this conversion is a major part of life. So, what does this mean for you? Here, we’ll not only give you today’s dollar-to-naira ($ to ₦) exchange rate but also take you on a journey through the history, ups and downs, and factors affecting this conversion. Ready? Let’s go! Current Dollar ($) to Naira (₦) Exchange Rate Today Real-Time Rate: USD to NGN – Dollar to Naira Exchange Rate Today Updated May 11, 2025 Welcome to IbiFoundry’s Ultimate Guide on Dollar to Naira As of May 11th, 2025, the exchange rates for the United States Dollar (USD) to Nigerian Naira (NGN) are: Official Rate: ₦1,612.80 per USD Black-Market Rate: ₦1,632.00 per USD Recent Rates May 10, 2025 Official Rate: ₦1,611.20 per USD Black-Market Rate: ₦1,631.00 per USD May 9, 2025 Official Rate: ₦1,610.45 per USD Black-Market Rate: ₦1,630.00 per USD May 8, 2025 Official Rate: ₦1,608.90 per USD Black-Market Rate: ₦1,628.00 per USD May 7, 2025 Official Rate: ₦1,607.02 per USD Black-Market Rate: ₦1,625.00 per USD May 6, 2025 Official Rate: ₦1,605.70 per USD Black-Market Rate: ₦1,620.00 per USD May 5, 2025 Official Rate: ₦1,601.09 per USD Black-Market Rate: ₦1,610.00 per USD Please note: Exchange rates fluctuate daily based on market trends, economic conditions, and central bank policies. Always verify current rates before makinconditions, and central bank decisions. Need a quick conversion? Use the Xe.com calculator to check out exactly how much your USD or NGN is worth right now! The History of the Naira (₦) and Its Value Let me take you back... Before the naira, Nigeria’s official currency was the pound. But in 1973, the Central Bank of Nigeria introduced the naira, symbolizing Nigeria’s move towards a self-sufficient economy. Back then, the naira was a powerhouse; it had nearly equal value to the British pound and even higher than the dollar! Fast forward to today, though, and things have changed. The naira has seen a massive decline over the decades. Why? Let’s dive into some of the big reasons. The Decades of Decline: Major Events in the Dollar-Naira ($ - ₦) Relationship Here's an interesting find. Did you know? The naira began its descent in the 1980s when Nigeria introduced the Structural Adjustment Program (SAP). This policy aimed to “liberalize” the economy but ended up devaluing the naira and setting a trend of instability in our currency. Let’s break down some key moments in the dollar-to-naira story: Key Moments in the Dollar-to-Naira ($ - ₦) Story 1986: Structural Adjustment Program introduces devaluation policies that led to a weakened naira. 2008 Financial Crisis: Global economic instability affects Nigeria, decreasing foreign investment and weakening the naira further. 2020 COVID-19 Pandemic: Oil prices plummet, leaving Nigeria’s oil-dependent economy vulnerable and further devaluing the naira. Factors Affecting the Dollar ($) to Naira (₦) Exchange Rate So, what’s causing the naira’s challenges? Let’s unpack the main factors that influence the USD-NGN exchange rate and shape the economy: 1. Global Oil Prices Here in Nigeria, we are heavily reliant on oil exports, meaning when oil prices drop, so does the naira. Oil’s volatility directly impacts the country’s revenue, creating a see-saw effect on our currency. Do you get it? 2. (Poor) Government Policies and Regulations Policies by the Central Bank of Nigeria (CBN), such as forex restrictions, can swing the dollar-to-naira exchange rate. The government has tried to protect the naira through these controls, but it often leads to scarcity, pushing up the black-market rate. 3. Inflation and National Debt "Guy we dey collect loan for this country" (in Nigerian English for "in Nigeria, we take way too much loans") High inflation rates eat away at the naira’s value. And with Nigeria’s rising national debt, the country’s ability to pay it off becomes uncertain, reducing investor confidence and weakening the naira. 4. Political Stability and Leadership Changes Every new government administration brings its economic approach, which can either stabilize or destabilize the naira. Political instability or leadership changes make investors wary, often leading to a drop in currency value. Dollar vs. Naira ($ vs.(₦) Daily Nigerian Life Let’s be real... The dollar-to-naira exchange rate isn’t just a number. For most Nigerians, it impacts the cost of food, electronics, and even tuition fees. With every drop of the naira, the price of imports rises, affecting everything from bread to iPhones. Imagine this—Abdul is a student studying abroad. He relies on funds from his parents back in Lagos. The higher the dollar goes, the more money his parents have to send to cover his expenses. I know lots of students who went to school abroad but had to transfer back to Nigeria due to this inflation. Suddenly, what used to be affordable now feels like a financial burden. Even for the rich man. Visualizing the Dollar to Naira Over Time Want to see it laid out? Take a look at the dollar-to-naira value from 1973 to today. Each major shift in value is tied to specific events, like changes in oil prices, economic reforms, and international crises. "Can the naira ever strengthen against the dollar again?" The answer is complex, but here’s the simple truth: It would take both political stability and significant economic restructuring to restore the naira’s strength. These are long-term efforts that involve reducing reliance on oil, boosting local industries, and strengthening the financial sector. FAQ Section: Dollar to Naira Today Have more questions? Check these out! 1. Why is the naira weak against the dollar? The naira’s weakness is mainly due to dependency on oil exports, government policies, and inflation. Each of these factors plays a role in making the naira vulnerable to drops. 2. Is it possible for the naira to regain value? Yes, but it requires big structural changes in the economy and more robust, consistent policies. It's a slow but achievable process. 3. How often does the naira exchange rate change? The official exchange rate can fluctuate daily, while the parallel (black market) rate changes even more frequently. Want to Stay Updated with IBIFoundry Dollar to Naira daily alerts? Sign up for our currency alerts! We’ll send you weekly updates on the dollar-to-naira exchange rate, along with tips on saving and investing in Nigeria’s changing economy. Just enter your email below to stay in the loop. In Conclusion The dollar-to-naira exchange rate is more than just a number—it’s a mirror reflecting Nigeria’s economic past, present, and future. Every fluctuation carries a story, impacting families, businesses, and students across the country. Stay with us at IbiFoundry as we break down the economy in simple terms, provide real-time currency rates, and give you the tools to make the most of your naira. Have a great exchange day, Simon Taki Zaku, Founder, CEO, IbiFOundry LLC, Ibifoundry.com.ng

Ever wondered how much one UAE Dirham is worth in Naira today? Exchange Rate: AED to NGN (May 9, 2025) Official Rate: ₦437.90 per AED Black-Market Rate: ₦440.40 per AED Recent Exchange Rates May 8, 2025 Official Rate: ₦437.52 per AED Black-Market Rate: ₦440.20 per AED May 7, 2025 Official Rate: ₦438.16 per AED Black-Market Rate: ₦440.00 per AED May 6, 2025 Official Rate: ₦437.52 per AED Black-Market Rate: ₦439.80 per AED May 5, 2025 Official Rate: ₦437.62 per AED Black-Market Rate: ₦439.50 per AED May 4, 2025 Official Rate: ₦437.58 per AED Black-Market Rate: ₦439.20 per AED May 3, 2025 Official Rate: ₦436.61 per AED Black-Market Rate: ₦438.90 per AED Please note that exchange rates are subject to fluctuations and may vary based on factors such as demand, economic policies, and market trends. Growing up in Nigeria, I often heard about Dubai - a city of endless luxury and towering skyscrapers When I finally visited, the first thing I had to figure out was how to exchange my Naira for Dirhams (AED). Today, the Naira to AED conversion is vital for Nigerians traveling, trading, or sending money to the UAE. Let me walk you through everything you need to know about the NGN to AED exchange rate. A Quick Look at the Nigerian Naira (NGN) The Nigerian Naira is issued by the Central Bank of Nigeria (CBN). While it has faced significant inflation over the years, it remains a symbol of our national pride and economic strength. However, with increasing global trade and travel, Nigerians frequently exchange Naira for foreign currencies like the AED. What Is the AED? The United Arab Emirates Dirham (AED) is the official currency of Dubai and the UAE. It’s pegged to the US Dollar, making it one of the most stable currencies globally. Abbreviation : AED Subunit : Fils (1 AED = 100 fils) Symbol : د.إ Today’s NGN to AED Conversion As of now, the exchange rate varies depending on where you’re exchanging: Exchange Rate: [2025] Here’s the updated exchange rate for AED (Arab Emirates Dirham) to Nigerian Naira (NGN)  as of May 9, 2025 : Exchange Rate: AED to NGN (May 9, 2025) Official Rate : ₦437.90 per AED Black-Market Rate : ₦440.40 per AED Recent Exchange Rates May 8, 2025 Official Rate: ₦437.52 per AED Black-Market Rate: ₦440.20 per AED May 7, 2025 Official Rate: ₦438.16 per AED Black-Market Rate: ₦440.00 per AED May 6, 2025 Official Rate: ₦437.52 per AED Black-Market Rate: ₦439.80 per AED May 5, 2025 Official Rate: ₦437.62 per AED Black-Market Rate: ₦439.50 per AED May 4, 2025 Official Rate: ₦437.58 per AED Black-Market Rate: ₦439.20 per AED May 3, 2025 Official Rate: ₦436.61 per AED Black-Market Rate: ₦438.90 per AED Please note that exchange rates are subject to fluctuations and may vary based on factors such as demand, economic policies, and market trends. Online Transfers (e.g., PayPal): Rates may include additional fees. Year-by-Y ear Comparison: Dubai's AED to Nigeria's Naira The exchange rate between the Nigerian Naira (NGN) and the United Arab Emirates Dirham (AED) has experienced significant fluctuations over the years, influenced by various economic and policy changes. Here's an overview of how the value of the Naira against the Dirham has changed: 2014: The AED/NGN exchange rate ranged from a low of approximately ₦43.15 on January 10 to a high of about ₦50.60 on December 25, with an average rate around ₦45.00. 2016: In June 2016, the Central Bank of Nigeria adopted a flexible exchange rate policy, allowing the Naira to float freely based on market forces. This led to a significant depreciation of the Naira. 2021: The AED/NGN exchange rate varied between approximately ₦102.81 on February 25 and ₦112.80 on May 17, with an average rate of about ₦109.09. 2023: In June 2023, the Naira experienced a sharp decline, falling by 23% in a single day to a rate of ₦600 to US$1, as the Central Bank of Nigeria abandoned its currency peg and allowed the Naira to trade freely. By July 19, 2023, the Naira had further depreciated to a record low of ₦853 to US$1. 2024: Between February 1 and February 5, 2024, the Naira fell over 50%, from ₦898 to ₦1,400 against the US dollar, before stabilizing around ₦1,600 by July 30, 2024. Recent Trends (Late 2024 – Early 2025): The AED/NGN exchange rate reached a high of ₦463.81 per AED on November 22, 2024, and a low of ₦403.96 per AED on February 3, 2025. The average rate over this period was approximately ₦434.22 per AED. These fluctuations reflect the Naira's volatility against the Dirham, influenced by factors such as changes in oil prices, foreign exchange policies, and broader economic conditions in Nigeria. How to Convert NGN to AED 1. Banks and Forex Operators : Most Nigerian banks provide AED exchange services, though rates may vary. 2. Black Market : Often offers higher rates but is unregulated. 3. Online Platforms : Apps like Wise, Binance, and Payoneer allow for quick conversions with minimal fees. Why Nigerians Exchange NGN for AED 1. Travel and Tourism : Dubai remains a top destination for Nigerians, from shopping sprees to tourism adventures. 2. Business and Trade : Many Nigerians import goods from Dubai. 3. Education and Relocation : Nigerians studying or relocating to the UAE require AED for daily expenses. Tips for Getting the Best NGN to AED Rate 1. Plan Ahead: Exchange money during favorable market conditions. 2. Compare Rates : Check multiple platforms for the best rates. 3. Avoid Airport Exchanges: These often have the worst rates. What’s the Future for NGN and AED? The exchange rate depends on economic factors like oil prices, inflation, and trade relations between Nigeria and the UAE. With the UAE being a major trading partner, the NGN to AED conversion will likely remain significant for Nigerians. Final Thoughts: What’s Your Experience With AED? Whether you’re trading, traveling, or sending money, knowing the exchange rate between the Naira and Dirham is crucial. Do you any stories about your exchange experience? Share them in the comments - I’d love to hear! Simon Taki Zaku, Founder, CEO, IbiFoundry LLC For ibifoundry.com.ng/blog Contact: simonzakukom@gmail.com ibifoundry@gmail.com

The GBP (£) to NGN (₦) Value Today (updated daily) British Pound Sterling (GBP) to Nigerian Naira (NGN) Exchange Rates Updated: May 9, 2025 Official (CBN) Rate: ₦2,148.20 per GBP Black-Market Rate: ₦2,143.00 per GBP Recent Exchange Rates May 8, 2025 Official Rate: ₦2,145.48 per GBP Black-Market Rate: ₦2,140.00 per GBP May 7, 2025 Official Rate: ₦2,149.90 per GBP Black-Market Rate: ₦2,135.00 per GBP May 6, 2025 Official Rate: ₦2,151.61 per GBP Black-Market Rate: ₦2,140.00 per GBP May 5, 2025 Official Rate: ₦2,137.73 per GBP Black-Market Rate: ₦2,130.00 per GBP May 4, 2025 Official Rate: ₦2,133.30 per GBP Black-Market Rate: ₦2,130.00 per GBP May 3, 2025 Official Rate: ₦2,133.30 per GBP Black-Market Rate: ₦2,129.00 per GBP Note: Exchange rates fluctuate frequently due to economic changes. Always verify current values from reliable sources before transacting. Table of Contents (Click to Navigate): What is the £ - British Pound (GBP)? What is the ₦ - Nigerian Naira (NGN)? Meaning and History Behind Nigeria’s Currency. The GBP (£) to NGN (₦) Value Today GBP (£) vs. NGN (₦): Why It Matters Economic Implications (GBP £ to NGN ₦) What Drives GBP (£) to NGN (₦) Fluctuations? Understanding the Pound to Naira Exchange Rate What is the £ - British Pound (GBP)? The British Pound Sterling, commonly referred to as GBP or simply “pound,” (£) is the currency of the United Kingdom. It is one of the world’s oldest and most stable currencies, widely used in international trade and investments. The pound is often seen as a symbol of wealth and financial stability. For Nigerians, the pound has a significant influence on trade, remittances, and even education, as many students pay school fees in GBP to institutions in the UK. What is the ₦ - Nigerian Naira (NGN)? The naira (₦) is the official currency of Nigeria. Introduced in 1973, it replaced the pound and became a symbol of Nigeria's economic independence. While it has faced its fair share of devaluation over the years, the naira remains central to Nigeria’s identity. To know more about the naira’s history, check out my post on Nigerian Naira: Meaning and History Behind Nigeria’s Currency. GBP (£) to NGN (₦) Year-by-Year Value Comparison (2010–2024) 1. 2010 1 GBP = ₦240 The naira was relatively stable, with a manageable gap between official and black-market rates. 2. 2015 1 GBP = ₦300 (official rate) Due to the 2014 oil price crash, the naira began to lose value against the pound. 3. 2017 1 GBP = ₦460 (official rate) Foreign exchange restrictions by the Central Bank of Nigeria led to a higher black-market rate (₦520). 4. 2020 1 GBP = ₦500 (official) COVID-19 pandemic disruptions pushed the naira to record lows. 5. 2023 1 GBP = ₦1,000 (average) Inflation and government policy challenges weakened the naira further. 6. 2024 1 GBP = ₦1,250 (official rate) On the black market, the exchange rate is ₦1,500, reflecting Nigeria’s foreign exchange supply struggles. The GBP (£) to NGN (₦) Value Today 🇬🇧 British Pound Sterling (GBP) to Nigerian Naira (NGN) Exchange Rates Updated: May 9, 2025 Official (CBN) Rate: ₦2,148.20 per GBP Black-Market Rate: ₦2,143.00 per GBP Recent Exchange Rates May 8, 2025 Official Rate: ₦2,145.48 per GBP Black-Market Rate: ₦2,140.00 per GBP May 7, 2025 Official Rate: ₦2,149.90 per GBP Black-Market Rate: ₦2,135.00 per GBP May 6, 2025 Official Rate: ₦2,151.61 per GBP Black-Market Rate: ₦2,140.00 per GBP May 5, 2025 Official Rate: ₦2,137.73 per GBP Black-Market Rate: ₦2,130.00 per GBP May 4, 2025 Official Rate: ₦2,133.30 per GBP Black-Market Rate: ₦2,130.00 per GBP May 3, 2025 Official Rate: ₦2,133.30 per GBP Black-Market Rate: ₦2,129.00 per GBP Note: Exchange rates fluctuate frequently due to economic changes. Always verify current values from reliable sources before transacting. This disparity highlights Nigeria’s foreign exchange crisis and the reliance on the black market for many transactions. GBP (£) vs. NGN (₦): Why It Matters 1. Education: Many Nigerian students studying in the UK rely on the GBP to pay tuition and living expenses, making the exchange rate crucial. 2. Remittances: Nigerians in the UK send billions of pounds annually to support family and friends back home. 3. Trade: The UK remains a significant trading partner for Nigeria, particularly for imports like machinery and consumer goods. Economic Implications (GBP £ to NGN ₦) The widening gap between the official and black-market rates signals challenges in Nigeria’s monetary policies. While the Central Bank of Nigeria (CBN) attempts to stabilize the naira, limited foreign reserves and high demand for foreign currencies exacerbate the problem. What Drives GBP (£) to NGN (₦) Fluctuations? Oil Prices: Nigeria’s heavy reliance on oil exports means the naira fluctuates with global oil prices. CBN Policies: Forex restrictions and devaluation strategies directly impact the exchange rate. Inflation: Nigeria’s inflation rate, which hit 24% in 2023, weakens the naira further. Takeaway: Understanding the Pound to Naira Exchange Rate The exchange rate between the pound and naira tells a story of economic challenges and global influence. For Nigerians, understanding these rates is essential for making informed financial decisions, whether for education, business, or remittances. Do you deal with GBP to NGN exchanges frequently? Share your thoughts below or reach out to me for more insights! Simon Taki Zaku, Founder, CEO, IbiFoundry LLC For Ibifoundry.com.ng/blog. Contact me at: simonzakukom@gmail.com ; or ibifoundry@gmail.com

Wondering how to apply for FG’s new Nigerian student loan? Discover how NELFUND works, who’s eligible, how much you’ll get, and how to apply without stress. Hello, IbiFounder, I am Simon Zaku, Founder, CEO, IbiFoundry LLC, and today, I have great news for you. Imagine being a bright student from a modest background, dreaming of higher education but held back by financial constraints. This was the reality for many Nigerians until the Federal Government introduced the Nigerian Education Loan Fund (NELFUND) in 2024. This initiative aims to break financial barriers in higher education by providing interest-free loans to eligible students. In this guide, I'll walk you through everything you need to know about NELFUND: the requirements, application process, approval timeline, and repayment details. Are you ready? Let's dive in. Sneak Peek: Everything Covered & What You’re About to Discover Introduction  (I share the story of how financial constraints hindered many Nigerian students) What is a Student Loan?  (Understanding the basics of student loans) What is a Student Loan for Nigerians?  (Specifics of student loans in the Nigerian context) History of Federal Government Loan for Nigerian Students  (How FG's student loan initiative started) What is NELFUND?  (An overview of the Nigerian Education Loan Fund) NELFUND Official Website  (Navigating the official portal) Who is Eligible for Student Loans in Nigeria?  (Eligibility criteria for applicants) Can Students in Private Universities in Nigeria Apply for Federal Student Loans?  (Clarifying eligibility for private institution students) Student Loans Vs Student Grants: The Debate  (Comparing loans and grants) Does the Nigerian Government Offer Grants to Nigerian Students?  (Exploring available grants) How to Register on the Student Loan Portal  (Step-by-step registration guide) How to Login on the Student Loan Portal  (Accessing your account) How to Apply for the Student Loan Online from Your Dashboard  (Application process) How Much Loan Should You Expect After Application?  (Understanding loan amounts) How Long Does It Take for Your Nigerian Student Loan Application to Be Approved by the Federal Government?  (Approval timeline) Finally, When Will You Pay Back This Loan?  (Repayment details) What Will the FG Do if I Do Not Pay Back My Student Loan?  (Consequences of defaulting) The Truth About NELFUND Student Loans What is a Student Loan? A student loan is financial assistance provided to students to help cover the costs of their education, including tuition, books, and living expenses. These loans are typically repaid after graduation. What is a Student Loan for Nigerians? In Nigeria, student loans are designed to support students in tertiary institutions who may not have the financial means to fund their education. The Nigerian Education Loan Fund (NELFUND) is the primary body responsible for disbursing these loans. History of Federal Government Loan for Nigerian Students The Nigerian government recognized the need to support students financially and established NELFUND in 2024 under the Student Loans (Access to Higher Education) Act. This initiative aims to provide interest-free loans to eligible students in public tertiary institutions. What is NELFUND? NELFUND stands for Nigerian Education Loan Fund. It's a government initiative established to provide interest-free loans to students in public tertiary institutions across Nigeria. The goal is to make higher education accessible to all Nigerians, regardless of their financial background. NELFUND Official Website To access NELFUND services, visit the official website: https://nelf.gov.ng . Here, you can find detailed information about the loan application process, eligibility criteria, and more. Who is Eligible for Student Loans in Nigeria? To qualify for a NELFUND student loan, applicants must: Be a Nigerian citizen. Have secured admission into a public tertiary institution (federal or state). Demonstrate financial need. Maintain satisfactory academic performance. Can Students in Private Universities in Nigeria Apply for Federal Student Loans? Currently, NELFUND loans are only available to students in public tertiary institutions. Students in private universities are not eligible for this loan scheme. Student Loans Vs Student Grants: The Debate While student loans require repayment, grants are non-repayable funds provided to students. The debate centers around accessibility and the burden of repayment. NELFUND offers loans, but there are discussions about introducing more grant opportunities. Does the Nigerian Government Offer Grants to Nigerian Students? Yes, the Nigerian government offers various grants and scholarships to students, especially those in need or with exceptional academic performance. These grants are typically awarded through different government agencies and programs. How to Register on the Student Loan Portal Visit https://nelf.gov.ng . Click on "Apply Now." Select "Get Started" to begin your application. Confirm your eligibility by answering preliminary questions. Enter your matriculation number to verify your institution's submission. Authenticate with JAMB or provide your NIN for validation. Create your account by entering your email and setting a password. Verify your email through the link sent to your inbox. How to Login on the Student Loan Portal Return to https://nelf.gov.ng . Click on "Login." Enter your registered email and password to access your dashboard. How to Apply for the Student Loan Online from Your Dashboard Update your contact details, including phone number and address. Provide your educational details: institution, matriculation number, etc. Enter your bank details: BVN, bank name, and account number. Click on "Request for Student Loan." Specify if you need funds for personal upkeep or just institutional charges. Upload required documents: admission letter (mandatory), student ID, institution's invoice. Agree to the terms and conditions. Submit your application. How Much Loan Should You Expect After Application? The loan amount varies based on your institution's fees and your personal upkeep needs. NELFUND assesses each application individually to determine the appropriate loan amount. How Long Does It Take for Your Nigerian Student Loan Application to Be Approved by the Federal Government? The approval timeline can vary. Applicants are encouraged to monitor their application status through the NELFUND portal for updates. Finally, When Will You Pay Back This Loan? Repayment begins two years after completing the National Youth Service Corps (NYSC) program. The repayment terms are designed to accommodate graduates' financial situations. What Will the FG Do if I Do Not Pay Back My Student Loan? Failure to repay the student loan can lead to legal consequences, including fines or imprisonment. It's essential to adhere to the repayment terms to avoid such penalties. Ready to Take the Next Step? If you're a Nigerian student seeking financial assistance for your education, NELFUND offers a valuable opportunity. Ensure you meet the eligibility criteria and follow the application steps diligently. Remember, this loan is interest-free, but it's a commitment that requires responsible repayment. Most Popular Questions and Answers on Nigerian Student Loan: Everything You Need to Know About FG's Student Loans + How to Apply How fast can you get approved for student loans? The approval timeline varies. Applicants should regularly check the NELFUND portal for updates on their application status. How long does it take for student loans to show up? Once approved, the disbursement timeline depends on various factors, including institutional processes. Monitor your portal for notifications. How many days does it take for NELFUND to approve a loan? There isn't a fixed number of days. The processing time depends on the volume of applications and verification processes. Do Nigerian banks give student loans? While some banks may offer education loans, NELFUND is the primary government-backed initiative providing student loans in Nigeria. How much is a Tinubu student loan? The loan amount varies based on individual needs and institutional fees. There's no fixed amount. Can I get a student loan in Nigeria to study abroad? No, NELFUND loans are only available for students studying in Nigerian public tertiary institutions. How much does NELFUND give to students? The amount varies per student, depending on tuition fees and personal upkeep requirements. Want to Become Part of Something Truly Revolutionary? Join the IbiFoundry Community today and become an official IbiFounder. We’re building Nigeria’s most active and empowering digital founders hub. Join Now About the Writer Written & Published By: Simon Taki ZakuFounder, CEO, IbiFoundry Limited https:// ibifoundry.com.ng/ As seen on; Forbes, Pixelied, Amazon, InfinityBlogAwards, GlobalSocialMediaCoaching, NinjaOutreach, A1Future, Persuasion-Nation, and more. About: Simon Taki Zaku is a serial entrepreneur, consultant, public speaker, and the founder & CEO of IbiFoundry LLC. He inspires, writes, teaches, and builds solutions around digital marketing, sales funnels, content marketing, and media strategy. If I am not researching on what to write about on IbiFoundry, I can be found playing table tennis. Cheers, IbiFounder! Talk to you soon (can't wait) Learn more about me (Simon) by clicking here: https://www.ibifoundry.com.ng/about-simon-taki-zaku

Want to use Bybit in Nigeria without getting burned? This brutally honest guide reveals the pros, cons, and setup strategies for Nigerian crypto traders. Did you know over 33 million Nigerians now trade or hold crypto ? But when I tried buying my first USDT on Bybit in 2023, I was this close to losing my money. Hello, IbiFounder. I’m Simon Zaku, Founder, IbiFoundry LLC — and today, I want to open up about my crypto experience using Bybit in Nigeria. I’ll tell you what worked, what nearly wrecked me, and what I now know that every  Nigerian crypto user needs to hear. So if you're worried about getting scammed, blocked, or losing money using Bybit in Naija — this guide will change the game for you. Can you relate? Read on. Why You Should Trust This Blog (From Simon) This blog was not written by some foreign crypto expert who doesn’t understand the Nigerian hustle. I live in Nigeria. I’ve lost money to shady P2P deals.I’ve helped over 4,000 Nigerians launch online income streams.And I trade crypto myself , with receipts. Everything you’ll read here is based on what I’ve done, tested, or helped people like you do — in Nigeria, under real Nigerian conditions. I’m not paid by Bybit or any exchange to hype them. If I say something works, it’s because it worked for me or someone in our community. Let’s move on. Sneak Peek: Everything Covered & What You’re About to Discover In this deep-dive guide, here’s what I’ll show you: Introduction  (How I nearly lost money using Bybit’s P2P service in Nigeria) What Is Bybit Cryptocurrency?  (What it means, and why it’s different from Binance) Can Nigerians Use Bybit?  (The truth about crypto bans, KYC, and regulations in Nigeria) How to Use Bybit in Nigeria  (My exact steps, from sign-up to successful trading) Buying and Selling Crypto on Bybit  (How to safely move your money in and out of Bybit) Best Bybit Features for Nigerians  (And the ones I avoid like the plague) Is Bybit a Good Investment Tool in Nigeria?  (Let’s talk profits, risks, and regret) Real-Life Lessons I Learnt Using Bybit in Lagos  (I expose everything no one tells you) The Final Verdict  (Should YOU use Bybit as a Nigerian in 2025?) This Is Where Most Nigerians Get It Wrong About Bybit… Most people think crypto is banned in Nigeria.Or that you can’t withdraw from platforms like Bybit. But let me ask you something:How come every Saturday, boys at the bet shop in Festac dey shout “$ to naira don go up oh!” and they still dey cash out? Exactly. Crypto is not banned . It’s just misunderstood.And if you learn the system, you can make Bybit your own personal dollar ATM. Don’t worry — I’ll show you. What Is Bybit Cryptocurrency? Bybit is a global cryptocurrency exchange where you can trade crypto, earn passive income, and even do spot and derivatives trading. It was launched in 2018 and currently ranks among the top 5 exchanges in the world by volume . But here’s what sets Bybit apart for Nigerians: It’s less saturated than Binance, supports faster transactions for newbies, and doesn’t lock your account unnecessarily if you follow the right steps. Are you with me? Think of Bybit as the smaller, faster, more user-friendly cousin of Binance. But be careful — just because it's simpler doesn't mean it’s risk-free. Can Nigerians Use Bybit? Short answer: Yes. Even with all the CBN wahala, Nigerians are actively using Bybit. What you can’t do is connect a Nigerian bank card directly to deposit or withdraw. But that’s where P2P trading comes in (I’ll explain that in a bit). Also, as of 2025, Bybit still allows Nigerians to open accounts, verify KYC, and trade. You just need to avoid rookie mistakes like using invalid documents or opening with suspicious IPs. Pro tip: Use your NIN slip and utility bill for smooth KYC approval. How to Use Bybit in Nigeria Here’s my step-by-step process: Download the Bybit App or Use the Web Platform Go to bybit.com  or download the app from Play Store. Create Your Account Use a secure email, set up 2FA immediately. Don’t use Gmail with multiple recovery links — it can trigger red flags. Do Your KYC Upload your NIN or international passport, then a recent NEPA bill. Fund Your Account Using P2P On the home screen, click “Buy Crypto” → Select “P2P Express” → Choose a verified seller. Start Trading You can use Spot, Convert, or Futures (only if you understand the risks). Withdraw Anytime via P2P Sell your USDT or BTC via P2P again, then transfer the naira to your bank. Want to try Bybit right now? Click here to create your free account and start trading in Nigeria . Buying and Selling Crypto on Bybit This is where most people get confused. Buying crypto = using naira to get USDT, BTC, or ETH. Selling crypto = converting your coins back to naira. Both steps happen through Bybit P2P  — the platform connects you to verified buyers/sellers. Here’s how to buy: Go to P2P Filter for “Transfer to Bank” method Select a trusted vendor Send payment (your money is held in escrow) Confirm and receive your coins Here’s how to sell: List the USDT or crypto you want to sell Accept an offer Wait for buyer’s naira transfer Confirm receipt and release coins I once used a vendor who delayed my naira for over 2 hours. My advice? Only use vendors with green checkmarks and 90%+ completion rates . Best Bybit Features for Nigerians Bybit has some fantastic tools I think every Nigerian crypto user should test out: P2P Express  (No need to negotiate. Just buy and go.) Crypto Convert  (Swap USDT to BTC or ETH in one click) Earn Hub  (Stake crypto and earn interest while sleeping) Copy Trading  (Follow experienced traders. Good for beginners) But here’s what I avoid: Leveraged Futures Trading  (This one dey ruin lives. Be very careful!) Unverified P2P Offers  (Na scam magnet.) Want to learn more about staking crypto safely? Read our full guide to passive income for Nigerians . Is Bybit a Good Investment Tool in Nigeria? That depends on how you use it. For me, Bybit works better as a money movement and growth tool , not a “get-rich-quick” platform. If you buy USDT at ₦1,200 and the rate hits ₦1,400 in 5 days, you just made money — if  you timed it right. Also, Bybit savings earns you up to 7.5% APY  on some stablecoins. So yes, it can be a smart investment tool, if you’re disciplined . Real-Life Lessons I Learnt Using Bybit in Lagos I once transferred USDT to a wrong wallet address by copying and pasting in a rush. That money? Gone. But I also made decent profit flipping coins after CBN announced a new FX policy. So the key lesson? Know what you’re doing. Don’t rush. And always screenshot everything — trust me, you’ll need receipts. The Final Verdict (And Whether You Should Use Bybit as a Nigerian in 2025) Let me not lie to you — Bybit shocked me. From security to speed, to product features and even local support, this exchange is not playing. I tested it myself, and I honestly didn’t expect it to be this smooth for a Nigerian user. You can fund with Naira, trade with low fees, and withdraw easily without touching P2P wahala if you don’t want to. And if you're a beginner, their interface no go confuse you. Plus, their crypto learning hub and trading rewards are actually useful — not just vibes. But no platform is perfect. Bybit is not registered with Nigerian SEC yet, so you still need to shine your eye. Use a strong password, 2FA, and don’t fall for fake Bybit support Telegram channels or WhatsApp scammers. So, should you use Bybit as a Nigerian in 2025? Yes — if you want a trusted, global exchange that works well in Nigeria and doesn’t stress you. Just make sure you use it wisely, stay alert, and follow IbiFoundry for real-time crypto safety updates. Because for me, I’m personally using Bybit. And unless something changes, I’ll keep recommending it — especially for Nigerians who want more than just Binance. Most Popular Questions and Answers on Bybit Nigeria: A Detailed Review of Bybit for Nigerian Crypto Lovers How much is 1 USDT to naira on Bybit? The rate of 1 USDT to naira on Bybit P2P depends on market trends, but as of early May 2025, it ranges between ₦1,200 and ₦1,350. Always check real-time P2P prices on the app before buying or selling. Is Bybit better than Binance? Bybit is simpler and faster for beginners, especially in Nigeria, but Binance has more features. It depends on your goals — if you want ease and speed, go with Bybit. If you want more trading tools, Binance may work better. Can I withdraw money from Bybit in Nigeria? Yes, Nigerians can withdraw naira using the P2P method on Bybit. You sell your crypto, receive naira in your bank account, and confirm the transaction. Just use verified vendors. Does Bybit give free money? Yes, sometimes. Bybit runs promotions like signup bonuses, airdrops, and referral programs. Check their Rewards Hub regularly to see available offers. How much is $100 USDT in Nigerian naira? As of May 2025, $100 USDT is approximately ₦125,000 to ₦135,000 on Bybit P2P. The rate changes daily, so confirm before every trade. How can I deposit naira in Bybit as a Nigerian? You can’t use Nigerian bank cards directly. Instead, use P2P on Bybit: find a seller, transfer naira to their bank, and receive USDT in return. Simple and secure if done right. How much is $2000 USDT to Naira? Currently, $2,000 USDT on Bybit is worth about ₦2.5M to ₦2.7M. Use the Bybit P2P calculator to check exact rates when trading. What is the Bybit rate today in Nigeria? The daily rate varies, but you can always see the current USDT/NGN rate by going to the P2P section on the Bybit app or website. It’s updated in real-time based on user trades. How much is $500 USDT in Nigeria? $500 USDT is typically between ₦625,000 and ₦675,000 on Bybit depending on demand and supply. Always compare vendor rates before choosing.

Buy WAEC, NECO, or JAMB ePINs easily online and avoid registration delays in 2025—Here's the complete beginner’s guide with updated costs, steps, and FAQs! Hello, IbiFounder, I am Simon Zaku, Founder, CEO, IbiFoundry LLC, and today, I have great news for you… There’s now a much faster, safer way to get your WAEC, NECO, or JAMB ePIN online—without stress or scams. Let me take you back to my secondary school days in Yola, Adamawa state, Nigeria. Back then, we used to queue under the sun for hours just to buy a scratch card or ePIN from a cyber café or bank. I still remember the panic I felt when a friend of mine mistakenly bought a fake WAEC card from a roadside vendor and couldn’t register. It cost him that year. But today, with just your phone, you can buy all your registration ePINs securely online—within minutes. This guide breaks everything down clearly. From understanding what an ePIN is, to comparing fees, showing you the best apps to use, and answering all your burning questions. So, let’s dive in. What You’ll Learn in This Guide In this blog post, I’ll show you everything you need to know about buying WAEC, NECO, and JAMB ePINs in Nigeria—safely, easily, and online. You’ll also learn: What exactly an ePIN is The difference between WAEC, NECO, and JAMB ePINs How much ePINs cost for 2025/2026 Where and how to buy them (step-by-step) How many times you can use your ePINs If scratch cards are still valid or not If you can register without an ePIN Where to buy on OPay, Remita, or Quickteller You’ve Been Buying JAMB, WAEC or NECO ePINs Wrong This Whole Time Let’s uncover the secrets that online vendors won’t tell you about buying these exam ePINs in Nigeria. And why you must always double-check where you’re buying from. What is JAMB, NECO, or WAEC ePIN? An ePIN is a unique code issued to you after payment for an exam registration. You’ll need this code to complete your WAEC, NECO, or JAMB registration either online or at a CBT center. It’s like a digital receipt or ticket—it unlocks the exam form for you. Are WAEC, NECO, and JAMB ePINs the Same? No, they are all different and cannot be used interchangeably. WAEC ePINs are used for school and private WAEC exams. NECO ePINs are used for both internal (school) and external (private) NECO exams. JAMB ePINs are specifically for JAMB UTME or Direct Entry forms. Each one has its unique code and cost. How Much is JAMB ePIN for 2025/2026? For 2025, JAMB ePIN costs ₦3,500 for the application. There’s also a ₦500 CBT service fee and ₦700 registration center fee. So, budget around ₦4,700 to ₦5,000 total for JAMB. How Much is WAEC ePIN for 2025? The 2025 WAEC registration ePIN costs between ₦18,000 to ₦30,000. This depends on whether you’re a school candidate or a private candidate. School candidates usually pay through their schools, while private candidates buy it themselves. How Much is NECO ePIN for 2025/2026? NECO exam ePINs cost between ₦17,800 to ₦20,000 for private candidates. For internal students, the school usually registers you directly and gives you a breakdown of fees. How to Buy WAEC ePIN Online (Step-by-Step) Here’s how to buy your WAEC registration ePIN online: Visit: https://www.waecdirect.org Click on “Buy WAEC Registration PIN” Enter your name, phone number, email Pay with ATM card, bank transfer, or USSD Your WAEC ePIN will be displayed and sent to your email and SMS Keep it safe—you’ll need it during registration How to Buy NECO ePIN Online (Step-by-Step) To buy your NECO ePIN online: Go to: https://payments.neco.gov.ng Select exam type (e.g., SSCE External) Enter name, phone number, and email Make payment (bank, card, or USSD) Copy your NECO token/ePIN shown after payment Also check your SMS or email for a copy How to Buy JAMB ePIN Online (Step-by-Step) Follow these steps to buy your JAMB ePIN online: Send your NIN as SMS to 55019 or 66019 You’ll receive a 10-digit Profile Code Use that Profile Code on https://www.remita.net , Quickteller, or bank platforms Choose “JAMB ePIN Purchase” Enter your Profile Code Pay ₦3,500 and get your ePIN immediately on screen and SMS Can I Buy ePINs Using OPay? Yes, you can buy WAEC, NECO, and JAMB ePINs using OPay. Just open the OPay app, go to "Education", select your exam, and complete payment. It’s fast, secure, and reliable. Can I Register for WAEC, NECO, or JAMB Without ePIN? No. You cannot register for any of the three exams without an official ePIN. The ePIN is mandatory—it validates your registration and links it to your exam details. Can I Use My ePIN Multiple Times? No, you can only use your WAEC, NECO, or JAMB ePIN once. Once you’ve completed your registration, the ePIN becomes invalid. Trying to reuse it will return an error. Are ePINs and Scratch Cards the Same? Not exactly. They perform similar functions but have different formats. Scratch cards are physical, ePINs are digital. How to Get My WAEC PIN Without a Scratch Card? Use the WAEC online portal or apps like Remita and Quickteller to generate an ePIN digitally. No scratch card needed anymore. Closing Thoughts – Don’t Miss the Deadline, Don’t Miss Your Future When it comes to WAEC, NECO, or JAMB, your ePIN is your ticket to the exam hall. If you miss the registration deadline or buy a fake PIN, you could miss an entire year. I once helped my cousin recover from missing NECO registration by helping him apply for NABTEB. But that plan B won’t work for everyone. Get your ePIN the right way—on time, online, and only from trusted platforms. If You Want It Done Fast, Safe & Online… I recommend using Remita or OPay—they’re tested, trusted, and I’ve personally used them. Want peace of mind? Use this Remita ePIN portal here and register your exam with confidence today. Popular Questions and Answers (Q & A) on Buying WAEC, NECO & JAMB ePINs in Nigeria How to get Epin for JAMB 2026? Send your NIN to 55019, receive a Profile Code, and use it to buy your ePIN on Remita, Quickteller, or bank apps. Is the JAMB direct entry form for 2026 out? It’s not out yet as of April 2025. Check jamb.gov.ng  regularly for official updates. How to buy Epin for WAEC? Go to waecdirect.org , fill your details, pay online, and get your ePIN by email or SMS. How much is JAMB 2025 fee? ₦3,500 for the form, plus other service charges. Total is around ₦4,700 to ₦5,000. Has JAMB registration closed for 2025? It’s still open in April. It usually closes between April and May. Register now to be safe. Can I register JAMB without ePIN? No, ePIN is compulsory. You can’t proceed with registration without it. How to buy NECO ePIN? Visit payments.neco.gov.ng , select your exam type, enter your details, and pay. How much is WAEC for 2025? Private candidates may pay ₦30,000, while school candidates may pay around ₦18,000 depending on their school. Can I buy a WAEC E PIN on OPay? Yes, OPay allows buying WAEC ePINs in the app under the “Education” section. How much is NECO registration 2025? About ₦17,800 to ₦20,000 for external candidates. How much is NECO e-Verify? NECO verification or token fees range from ₦1,500 to ₦3,000 depending on the platform. Can I get NECO token online? Yes, visit neco.gov.ng or Remita to buy your NECO token instantly. How many times can a WAEC PIN be used? Only once. It becomes inactive after registration is completed. How much is a scratch card for NECO? Around ₦1,500 to ₦2,000. But most people now prefer digital ePINs. How can I get my WAEC PIN without scratch card? Buy online at waecdirect.org or use trusted platforms like Quickteller. Join the IbiFoundry Community Today Want to become part of something truly revolutionary? Join the IbiFoundry Community today and become an official IbiFounder. We’re building Nigeria’s most active and empowering digital founders hub. About the Writer Simon Taki Zaku is a serial entrepreneur, consultant, public speaker, and the founder & CEO of IbiFoundry LLC. He inspires, writes, teaches, and builds solutions around digital marketing, sales funnels, content marketing, and media strategy. If he’s not researching what to write next on IbiFoundry, he’s probably playing table tennis. Reach out anytime for partnerships, ads, or collaborations here on IbiFoundry.com.ng . Have questions? Send a mail to ibifoundry@gmail.com or simonzakucom@gmail.com . ​ Cheers, IbiFounder! Talk to you soon (can't wait) ​ The Writer: Simon Taki Zaku, Founder, CEO, IbiFoundry Limited https://ibifoundry.com.ng/ Learn more about me (Simon) by clicking here or visit: https://www.ibifoundry.com.ng/about-simon-taki-zaku .

Best Crypto Exchange Sites and Platforms for Nigerians in 2025/2026 Looking to buy, sell, or trade cryptocurrency from Nigeria? You're not alone. Crypto is booming in Nigeria, and 2025 is already shaping up to be a big year for crypto adoption. But with so many platforms out there, which crypto exchange is best for you? In this post, I’ll walk you through 15 of the top crypto exchanges Nigerians are using right now, based on my experience and what’s trending in the market. Whether you're a total beginner or a seasoned crypto trader, you'll find at least one platform that suits your goals. Table of Contents What Is Cryptocurrency? What Is a Cryptocurrency for Nigerians? What Is a Crypto Exchange Site? Relationship Between Crypto Trading and Crypto Exchange Platforms - Why It Is a Huge Part of Crypto Trading and Exchange What Do Crypto Exchange Sites Do? What Is the Difference Between a Crypto Wallet, Crypto Trader Platform, Crypto Exchanger, Crypto Site, and Crypto Exchange Agency? Now That You Are Clear on These Terms, What Makes a Crypto Exchange Platform Good or Suitable for Nigerian Cryptocurrency Traders? Top 15 Recommended and Secure Crypto Exchange Platforms for Nigerians Reviewed Comparison Table What Is P2P Crypto Exchange? How to Exchange Crypto Using P2P Crypto Exchangers Top 10 Best P2P Cryptocurrency Exchangers in 2025 How to Trade, Exchange, Buy, or Sell Your Crypto Securely with IbiFoundry LLC Top Crypto Exchange Platforms That Offer the Cheapest Exchange Rates Top P2P Crypto Exchangers with the Cheapest Exchange Rates Frequently Asked Questions About Cryptocurrency Exchangers, Sites, Platforms to Use in Nigeria Final Thoughts Download Free Comparison Guide What Is Cryptocurrency? Cryptocurrency is a digital currency that uses cryptography to secure transactions and control the creation of new units. It operates on decentralized networks (like blockchain) and isn’t controlled by any central authority, unlike traditional fiat currencies. Bitcoin was the first cryptocurrency, and since its launch in 2009, thousands of altcoins have emerged. What Is a Cryptocurrency for Nigerians? In Nigeria, a cryptocurrency is not just a digital coin. It has become a real alternative for saving, investing, and moving money — especially with the unpredictable state of the Naira and banking restrictions. It allows Nigerians to store value, earn online, send money across borders, and bypass many banking hurdles. What Is a Crypto Exchange Site? A crypto exchange site is simply the online version of a crypto exchange. It's the website or app where you sign up, verify your identity, and start your crypto journey. Whether it's Binance.com or Luno’s mobile app, that’s your “exchange site.” Relationship Between Crypto Trading and Crypto Exchange Platforms - Why It Is a Huge Part of Crypto Trading and Exchange Let me just yarn you this: no be lie — you fit dey collect crypto till tomorrow, but if you no get crypto exchange platform, na there your wahala go start. These platforms are like your market square. You bring your money, your phone, and they help you hustle your crypto. Na dem dey bridge the gap between you and your Bitcoin, between your wallet and the rest of the crypto world. Imagine say you wan buy small USDT or maybe change your SOL to BNB — how you wan take do am without an exchange? Unless you wan go WhatsApp and fall into hand of one "crypto guru" wey go ghost you once money land. But these exchanges? Dem dey regulated (some), dey user-friendly, and dem dey help simplify everything. They give us access to global markets, provide liquidity (so your coin no go hang), and offer plenty tools for managing your trades, savings, or even dollar cost averaging. Without them, the crypto world for just dey like bush path — no road, no light. What Do Crypto Exchange Sites Do? Omo, these sites dey work tire behind the scenes oh. Them no just dey shine with UI — dem dey carry heavy work load to make sure you, the user, fit buy, sell, or swap coins without wahala. Let me break it down for you: 1. Buy crypto with local currency: They allow you buy Bitcoin, Ethereum, USDT, and other coins using your Naira bank card, transfer, or even P2P. Example? Binance and KuCoin both support P2P in Nigeria. 2. Sell your coins for cash: You fit cash out your coins directly to your local bank account. Platforms like Quidax and Yellow Card dey help with this fast-fast. 3. Trade coins against each other: You can switch from Ethereum to Solana, or swap BNB for XRP. They provide trading pairs and order books to handle this. 4. Store your crypto safely: Many of them get integrated wallets where your crypto dey chill till you need am. Binance get both hot and cold wallets for this purpose. 5. Send and receive crypto easily: You can collect or send crypto to anybody worldwide. Once you get wallet address, you dey good. 6. Earn passive income: You fit stake your coins, save them, or even farm yield on some platforms. Bybit and MEXC get features like this. 7. Learn and explore: Some exchanges like Coinbase even get “learn and earn” where you go collect small crypto after watching videos. Dem dey try turn newbies to pros. 8. Connect with customer support: When wahala burst, na customer support go rescue you. And believe me, Nigerians need solid support with how bank issues dey. So if their live chat or email dey work 24/7, na better plus. So in short: these exchange sites be like your crypto command center. Without them, wahala go full ground. Na dem make your crypto waka possible and stress-free. What Is the Difference Between a Crypto Wallet, Crypto Trader Platform, Crypto Exchanger, Crypto Site, and Crypto Exchange Agency? Let me no lie you — before person go dey jump from platform to platform, you gats sabi the meaning of each of these crypto tools. Dem dey sound alike, but trust me, the roles dem dey play for this crypto game no be the same. If you no understand these terms, you fit end up using wrong tool for the wrong thing — and that one na express road to gbese or loss. Let’s break them down. 1. Crypto Wallet This one na like your digital purse or bank account. Na here you dey store your coins/tokens safely. Wallets fit be hot (connected online) or cold (offline like USB). Example: Trust Wallet, MetaMask, Ledger (cold wallet). 2. Crypto Trader Platform These ones na mainly for those wey wan dey buy/sell/trade crypto actively. They offer features like live charts, buy/sell orders, stop-loss, and real-time updates. Example: Bybit, Binance Pro, Bitget. 3. Crypto Exchanger This one na service or person wey go help you change one crypto to another or even to fiat like Naira. E fit be website-based or person-to-person (P2P) like some vendors wey dey Telegram. Example: IbiFoundry P2P Desk, NairaEx (when you just wan change USDT to Naira). 4. Crypto Site Omo, this one na general term oh. Any website wey dey offer crypto-related services fit fall under this. It could be a blog, exchange, news site, or portfolio tracker. Example: CoinMarketCap, IbiFoundry.com.ng , Binance.com . 5. Crypto Exchange Agency This na like a professional body or company wey go help you trade or manage your crypto securely. Dem dey handle things for you directly, especially when you no wan stress yourself or when you need legit partners for big transactions. Example: IbiFoundry Exchange Services, Paxful (for verified vendors). Now That You Are Clear on These Terms, What Makes a Crypto Exchange Platform Good or Suitable for Nigerian Cryptocurrency Traders? Now e clear say all these crypto platforms no be the same. But if you dey Naija and you wan choose a platform, you no fit just go with anyone wey pop up first for Google. You gats check well to avoid stories that touch. Here’s what I personally look out for when choosing a crypto exchange as a Nigerian: 1. Accepts Nigerian Users Easily: Some platforms go just talk say “unavailable in your region.” You no wan register and later find out say dem no go accept your NIN or passport. 2. Supports Naira Cards or Bank Transfer: Any exchange wey dey allow you use your Naira Mastercard, Visa or bank transfer na jackpot. Quidax and Yellow Card do well for here. 3. P2P Feature Available: In case your card no work, P2P must dey. Binance P2P and KuCoin P2P be lifesavers. 4. Low Fees: Gas fees dey mad sometimes. So you gats look for platforms wey no go chop you dry. 5. Easy Verification (KYC): Make e easy to verify with your NIN or voters card. We no get time for long process. 6. Strong Security: Two-factor authentication, fingerprint login, cold storage — abeg we no want hear say our coin vanish. 7. Good Reviews from Other Nigerians: If other Naija folks dey testify, na green light. Check Twitter, Nairaland, even TikTok. 8. Active Customer Support: You need help? Na customer care go rescue you. Live chat, WhatsApp, even Telegram support — e must dey responsive. 9. Fast Withdrawals: If I sell my coin, I wan see the alert sharp-sharp. No be two-day wait. 10. Beginner-Friendly Interface: Some of us no be coder oh. So we need interface wey clear like daylight. Now that we don set the foundation, let's jump into the Top 15 crypto exchange platforms I personally recommend for any Nigerian wey no wan hear "had I known." Top 15 Recommended Crypto Exchange Platforms in Nigeria (2025) Like I mentioned, for this article, I carefully only mentioned crypto exchange platforms I have used myself. And for this, I am able to share with you some of the best ones I found especially for Nigerians in 2025. Here are the best crypto exchange platforms wey work well for Nigerians: Binance  – Most trusted globally + strong P2P market KuCoin  – Offers wide altcoin options + Nigerian support Luno  – Simple app for beginners Paxful  – Very active in Nigeria P2P space Quidax  – Nigerian-owned with bank integrations Bundle Africa  – Friendly interface + fast payments Yellow Card  – Licensed in Nigeria + fiat deposits Remitano  – Trusted P2P platform Trust Wallet + DEX  – Decentralized, good for privacy OKX  – Clean UI + futures + P2P Coincola  – Less popular but active in Africa Busha  – Easy onboarding and instant cashouts Bitmama  – Crypto + gift cards exchange NairaEx  – One of the oldest Nigerian platforms Changelly  – Swap tokens easily, but watch rates Comparison Table Platform Type P2P Available Fiat Support Fees Best For Binance CEX + P2P Yes Yes Very Low Pro traders, P2P KuCoin CEX Yes No (via 3rd) Low Altcoins Luno CEX No Yes Medium Beginners Paxful P2P Only Yes Yes Medium Bank & gift card deals Quidax CEX No Yes Low Nigerian users Yellow Card CEX No Yes Low Bank to crypto Trust Wallet DEX No No Network fee Privacy lovers OKX CEX + P2P Yes Yes Low Margin/Futures traders Coincola P2P Yes Yes Medium P2P gift cards Busha CEX No Yes Low Instant NGN cashout 4. What Is P2P Crypto Exchange? P2P (peer-to-peer) crypto exchange means buying or selling crypto directly with another person—no middleman. Na like say you dey use OLX, but instead of selling TV, you dey sell Bitcoin. You go agree on price, make payment, and the platform hold the crypto in escrow until both sides confirm. How to Exchange Crypto Using P2P Exchangers Follow these steps: Register on a P2P platform  (e.g. Binance, Paxful) Verify your ID  for security reasons Find a seller or buyer  wey match your price Send money or wait to receive  (depending on transaction) Crypto is released from escrow  once both sides confirm Always read reviews before you deal with anybody. Top 10 Best P2P Cryptocurrency Exchangers in 2025 Over the years, I’ve interacted with many P2P platforms—some great, others frustrating. The ten below are the ones that have consistently proven reliable, secure, and active for Nigerian users like me. Binance P2P  – Largest liquidity, many Nigerian merchants Paxful  – Bank, gift card options and strong escrow system OKX P2P  – Fast growing, very low fees Remitano  – Veteran platform with escrow and KYC Coincola  – Great for trading gift cards for crypto Bybit P2P  – Fast transaction times and high liquidity KuCoin P2P  – Less popular but works well and reliable LocalBitcoins  – Still relevant in some parts of Nigeria Bitmama P2P  – Nigerian-based with easy onboarding Bitnob  – Smooth mobile experience with P2P functionality How to Trade, Exchange, Buy or Sell Crypto Securely with IbiFoundry LLC Let me tell you straight—I’ve been in crypto for over 7 years now . From buying my first Bitcoin back when it was still strange to tracking and helping recover stolen assets for business clients, I’ve seen it all. At IbiFoundry , we’ve built a dedicated P2P Desk  that helps individuals and businesses in Nigeria buy, sell, or exchange cryptocurrency with peace of mind. Here’s what you get when you trade with us: 1-on-1 consultation  to understand your specific needs Access to verified IbiFoundry P2P Experts (Designated IbiFounders) Escrow-secured transactions  for total peace of mind Speedy NGN deposits and withdrawals  (usually under 15 minutes) Crypto-to-gift card exchange support Stolen crypto recovery advisory 24/7 WhatsApp support line Whether na USDT, BTC, ETH, or any token, we go help you move securely. Ready to get started? Contact IbiFoundry P2P Desk Now Cheapest Crypto Exchange Platforms in 2025 If na low fees dey your mind, these crypto exchange platforms go help you save big: Binance  – Still the king of low trading fees (as low as 0.1%) KuCoin  – Another great option with 0.1% fee, even less with KCS token OKX  – Offers 0.08% to 0.15% for active traders Busha  – Transparent fee structure, no surprise charges Yellow Card  – Zero trading fees but check for spreads For small or large volume trades, these platforms go serve you well without cutting too deep into your profits. Cheapest P2P Crypto Exchangers in Nigeria When it comes to peer-to-peer transactions, pricing can vary. But these are the ones I’ve used repeatedly without paying outrageous fees—and that’s not all, with IbiFoundry P2P Desk , we even go further to consult with you first. Binance P2P  – Completely free to use. No trading fees. Most competitive rates Paxful  – Allows you to negotiate. Platform charges moderate fees Remitano  – Trusted escrow and very low platform charges OKX P2P  – No trading fee, and offers discount for large volume deals Bitmama P2P  – Nigerian pricing system that works in your favour IbiFoundry P2P Desk  – What makes us different? We talk to you first . Before we initiate any transaction, we sit with you virtually to understand your needs, budget, risk level, and speed. Then we connect you directly  to one of our verified crypto handlers (Designated IbiFounders) who completes the transaction safely under supervision. This personal touch dey give peace of mind wey many platforms no fit offer. FAQs on the Top and Secure Crypto Exchange Platforms for Nigerians (2025/2026 Edition) Q: Which crypto platform is best for Nigerians? A: Binance for P2P, Luno or Yellow Card for beginners. Q: Is it safe to buy crypto in Nigeria? A: Yes—just use trusted platforms and always verify sellers. Q: Can I sell USDT and get Naira in my bank account? A: 100%. Use platforms like Busha, Quidax, or IbiFoundry. Q: Do I need BVN to trade crypto? A: For most Nigerian platforms, yes. For P2P, sometimes no. Q: Where can I get the best exchange rate? A: P2P markets like Binance or OKX usually have the best rates. Q: Which crypto platform is best for Nigerians? A: Binance for P2P, Luno or Yellow Card for beginners. Q: Is it safe to buy crypto in Nigeria? A: Yes—just use trusted platforms and always verify sellers. Q: Can I sell USDT and get Naira in my bank account? A: 100%. Use platforms like Busha, Quidax, or IbiFoundry. Q: Do I need BVN to trade crypto? A: For most Nigerian platforms, yes. For P2P, sometimes no. Q: Where can I get the best exchange rate? A: P2P markets like Binance or OKX usually have the best rates. My Final Thoughts on Cryptocurrency Exchange Sites and Platforms Crypto fit be volatile, but the real danger na using the wrong platform. I’ve tested plenty. The ones listed here are the best for security, rates, and ease. And if you ever need one-on-one help or want to buy/sell crypto fast, just reach out to IbiFoundry—we got you covered. Stay safe. Trade smart. Simon Taki Zaku Founder, IbiFoundry LLC https://ibifoundry.com.ng/ For the IbiFoundry E-Magazine - https://ibifoundry.com.ng/blog/ You can reach me via ibifoundry@gmail.com or simonzakucom@gmail.com . Download Free Comparison Guide Want this full list plus secret tips on avoiding scammers? Download the FREE Crypto Exchange Comparison PDF Guide here Stay safe. Trade smart. — Simon Founder, IbiFoundry LLC

Hello, IbiFounder. I’m Simon Zaku, Founder and CEO of IbiFoundry LLC, and today, I have something real, useful, and game-changing to share with you. Let me tell you a short story first. In 2016, I wrote JAMB and scored 198. I had one goal — to study Architecture at the University of Jos. But guess what? UNIJOS cut-off for Architecture was above 250 that year. And of course, my 198 score wasn’t even close. To make things worse, UNIJOS ended up offering me Statistics instead. Omo, I am not a fan of Maths and calculations. Long story short, I didn’t accept the offer. But thankfully, I later gained admission into a private university — to still study a course I wanted. That journey showed me two things: One, you can gain admission into a good university in Nigeria, even with a low JAMB score. Two, you just need the right information. And that’s exactly what I’m about to give you today. So if you’re scared, confused, or discouraged about your JAMB score in 2025, breathe. Let’s talk. Let’s get admitted, my fellow IbiFounders. What You’ll Learn / Table of Contents You’re about to discover everything you need to know about gaining admission with a low JAMB score. From federal universities accepting 140, to private universities admitting candidates below 200. You’ll also learn: List of Nigerian universities currently accepting low JAMB scores in 2025 Their current cut-off marks for courses like Medicine, Law, Nursing, Engineering, and more What to do if your JAMB score is low Answers to over 20 common JAMB score FAQs The full list of courses you can still study under 200 My personal strategy that worked after I was rejected by UNIJOS Let’s begin. 2025: Best Universities Accepting Low JAMB Scores (Below 200) This is the part most candidates don’t know — there are still several universities accepting candidates with JAMB scores between 140 and 199. Some of them are public, while others are private. And yes, they offer real courses like Medicine, Law, Architecture, and Nursing. Let me show you: Federal & State Universities Accepting Low JAMB Cut-Off Many federal and state universities in Nigeria have adjusted their cut-offs recently. They now accept between 140 and 180 for less competitive courses. Here’s a list of 2025 updated institutions: 1. Federal University Dutse (FUD) Accepts 150+ for most courses. For Nursing or Medicine, you need at least 180+. 2. Federal University Lokoja (FULOKOJA) Accepts 150 and above. Competitive courses like Law still require 200+. 3. University of Calabar (UNICAL) General cut-off starts from 150. Some departments accept lower depending on quota. 4. Nasarawa State University, Keffi (NSUK) Cut-off starts from 140. Nursing and Medicine need 180+. 5. Bauchi State University (BASUG) Admits candidates with scores as low as 140. You can even get admitted with 150 in Education, Sociology, and others. 6. Benue State University (BSU) Admits with 150+ depending on faculty. Medicine, Law, and Engineering still require 180+. Private Universities That Accept Low JAMB Scores If you’re open to attending private schools, this is where your chances multiply. Here are private universities in Nigeria currently accepting low JAMB cut-offs: 1. Babcock University Cut-off: 160+ Admits for Nursing, Medicine, Engineering, and more. 2. Madonna University Cut-off: 150+ Popular for Medicine and Medical Sciences. 3. Igbinedion University Accepts candidates from 140 and above. Accredited for Law, Pharmacy, Engineering. 4. Lead City University Cut-off: 140+ Accepts students in Social Sciences, Nursing, Law, etc. 5. Gregory University Cut-off: 140+ Flexible with admission into various programs. 6. Bowen University Minimum JAMB score: 160 Offers top courses in Law, Medicine, and Business. What Courses Can You Study with a Low JAMB Score (Below 200)? Now that you know the schools, let’s talk about the courses you can get with low JAMB scores. Yes, Medicine might be tough under 200. But there are dozens of smart alternatives. Here are the best options: Education-related courses (accepts from 140+) Sociology, Political Science, Mass Comm (150+) Business Admin, Marketing, Accounting (150–160) Agricultural Sciences (140–160) Religious Studies, Philosophy, History (140–150) Statistics, Mathematics, and Pure Sciences (140–160) Engineering and Architecture in Private Universities (160–180) Remember, you can still do direct entry or transfer later. What to Do If Your JAMB Score Is Low in 2025 So your JAMB result is out and it’s below 200? Relax — don’t panic. That was me years ago I luckily scaled to 189 in JAMB.. Here’s what you should do immediately: 1. Apply for Schools Accepting Your Score Look at your score range and match it with schools listed above. Don’t waste time applying to UNILAG or UI with 150. 2. Consider Private Universities They’re faster, have flexible cut-offs, and give quicker responses. Some even offer scholarships for high WAEC grades. 3. Try Polytechnics or Colleges of Education You can still gain admission and later switch through direct entry. Plus, poly grads can still become Engineers, Lawyers, and Doctors. 4. Use IJMB or JUPEB for Direct Entry These are powerful options if you don’t want to wait for another JAMB. Complete the program and move into 200 level directly. 5. Register for Next Year — But Smartly If you must rewrite, start early and focus on scoring 250+. Use smart tools like Myschool, Flashlearners, and JambPrep NG. Contact us to speak with our university admission guide — we’ll help you find schools accepting your 2025 JAMB score today. Don’t Give Up Because of Your Score — Your Dream is Still Possible Let me tell you something real. When I didn’t get into UNIJOS, I felt like a failure. But I later realised that God was redirecting me to something better. I still studied Architecture — and today, I run IbiFoundry, teaching thousands of students like you. So listen — that JAMB score doesn’t define your future. It’s just a step. A learning curve. Don’t stop. Choose your next move wisely. And go again. What school are you applying to next? If You Still Want to Study Your Dream Course This Year… I recommend you explore private university options right now. Many of them are currently accepting students with 140–180 JAMB scores. Some even offer flexible payment plans and discounts. Click here to book a FREE call with an IbiFoundry Admission Helper now. Popular Questions and Answers (Q & A) on Universities Accepting Low JAMB Scores in 2025 Can I gain admission with 140? Yes. Many universities and private schools now accept candidates with JAMB scores from 140 and above. Can Unilag accept 180 in JAMB? No. UNILAG usually requires at least 200–250, especially for competitive courses like Medicine, Law, or Engineering. What is the cut-off mark for all courses in JAMB? JAMB officially sets 140 as the general minimum, but universities decide departmental cut-offs themselves. Which university accepts 158 in Nigeria? Lead City, Madonna, and Igbinedion University are among those accepting 150–160. What course can I study with 150 in JAMB in Nigeria? Education, Sociology, Marketing, Agriculture, and many others — especially in private universities. Can a 15 year old sit for JAMB? Technically, no. The legal age for UTME is 16 by admission year. Which university is easy to get admission in Nigeria? Private universities like Gregory, Lead City, and Madonna are known for flexible admissions. Which school can I study nursing with 160? Private universities like Bowen and Babcock may admit Nursing students with 160–180+. What is the aggregate score for all courses in OOU? It varies, but many departments use 50% JAMB, 50% Post-UTME. Scores above 180+ are safer. What to do if your JAMB score is low? Consider private schools, polytechnics, or direct entry alternatives like IJMB and JUPEB. What is the cheapest federal university in Nigeria? FUD, BASUG, and NSUK are among the most affordable public universities. Can I study nursing with D7 in biology? No. Most Nursing programs require at least a C6 in Biology and Chemistry. Can I change my university after seeing my JAMB result? Yes. You can apply for JAMB change of institution through their portal. What happens when you fail JAMB? You won’t gain admission through UTME. You’ll need to consider poly, IJMB, or rewrite. Does JAMB reduce score? Not intentionally. Any drop is usually due to auto-correction and cross-checking. What level is JAMB? JAMB (UTME) is for 100-level entry. Direct Entry admits you into 200 level. What is the departmental cut off mark? Each department in a university sets its own score. Competitive courses can go as high as 260. What is the cut off mark for university of Abuja? Usually 180+. Courses like Law or Medicine may go higher. Can UNILAG accept 140? Absolutely not. You need at least 200+ to stand a chance at UNILAG. What is the minimum grade for university? WAEC: At least 5 credits including English and Maths. JAMB: Minimum 140. What is the cut-off mark for pharmacists? Pharmacy often requires 230–260 in JAMB across most universities. Join the IbiFoundry Community Today Want to become part of something truly revolutionary? Join the IbiFoundry Community today and become an official IbiFounder. We’re building Nigeria’s most active and empowering digital founders hub. About the Writer Simon Taki Zaku is a serial entrepreneur, consultant, public speaker, and the founder & CEO of IbiFoundry LLC. He inspires, writes, teaches, and builds solutions around digital marketing, sales funnels, content marketing, and media strategy. [If I am not researching on what to write about on IbiFoundry, I can be found playing table tennis.] Reach out anytime for partnerships, ads, or collaborations here on IbiFoundry.com.ng . Have questions? Send a mail to ibifoundry@gmail.com or simonzakucom@gmail.com . ​ Cheers, IbiFounder! Talk to you soon (can't wait) ​ Written By; Simon Taki Zaku, Founder, CEO, IbiFoundry Limited https://ibifoundry.com.ng/ Learn more about me (Simon) by clicking here or visit: https://www.ibifoundry.com.ng/about-simon-taki-zaku .