USD Savings vs Naira: Why Freelancers Are Rethinking It
Holding your earnings in dollars was the obvious move for three years. Then 2026 happened. What the numbers actually say, and the one question worth asking before you move anything.
Holding your earnings in dollars was the obvious move for three years. Then 2026 happened. What the numbers actually say, and the one question worth asking before you move anything.
The Nigeria Tax Act 2025 started on 1 Jan 2026, and it treats the USDT your client sent you as income. Here is what a freelancer actually owes, worked out in Naira.
Your client said “send me an invoice” and you pasted a wallet address into the chat. Here is what actually belongs on a crypto invoice, and why the network line is the one that costs people money.
Getting paid in crypto is the fast part. Turning it into Naira is where Nigerian freelancers lose days. Here is the whole trip in 2026: what to ask for, how to receive it, where the work is, and how to clear it.