News
BBCSwinney defends food prices policy ahead of first minister vote·Economic TimesIndia fuel price hike among world's lowest: BJP·SCMPSome Asian airlines could collapse like Spirit without help on rising fuel costs·SCMPTexans accuse Japan of doing ‘deal with the devil’ by funding US fossil fuel projects·SCMPHong Kong property upswing poised to hold despite interest rates risk: Moody’s·SCMPCuba warns of ‘bloodbath’ if US attacks as Washington expands sanctions·NYTOil Prices Climb and Bonds Falter as Iran War Raises Inflation Fears·NYTG7 Finance Ministers Look to Contain Iran Economic Fallout·BBCSwinney defends food prices policy ahead of first minister vote·Economic TimesIndia fuel price hike among world's lowest: BJP·SCMPSome Asian airlines could collapse like Spirit without help on rising fuel costs·SCMPTexans accuse Japan of doing ‘deal with the devil’ by funding US fossil fuel projects·SCMPHong Kong property upswing poised to hold despite interest rates risk: Moody’s·SCMPCuba warns of ‘bloodbath’ if US attacks as Washington expands sanctions·NYTOil Prices Climb and Bonds Falter as Iran War Raises Inflation Fears·NYTG7 Finance Ministers Look to Contain Iran Economic Fallout·
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Chad

Central African CFA Franc (XAF)

49
Moderate
Risk
XAF is a shared currency. Chad's score reflects its own fiscal health, banking system, and governance — not the currency bloc as a whole. All XAF countries share the same Global Currency Role and capital control scores, but differ on country-specific factors. Learn more
#23
of 171
Riskier
than 87% of currencies
37
global avg score
$653
$1,000 in 5 years
Impact on Citizens

Citizens need to earn at least 10.4% per year on savings to stay ahead. Money sitting in a regular account is slowly losing value.See savings calculator ↓

Economic Indicators

Inflation Rate
8.9%
Debt to GDP
Not available
GDP Growth
4.2%
Broad Money / GDP
16.0%

Banking & Stability

NPL Ratio
31.5%
Reserve Months
2.3
Current Account
-3.2%
FX Volatility
10.0

Governance & Markets

Rule of Law
Not available
Black Market Premium
Not available
Capital Controls
56.0
Peg Fragility
40.9

Currency Structure

Global Currency Role
70.0
FX Regime
hard peg
Data Coverage
75.0%

Savings Impact Calculator

XAF
Holding cash in XAF8.9% inflation
XAF 653−XAF 347 (35% purchasing power lost)
Your XAF 1,000 buys 35% less in 5 years
What if you invested XAF 1,000 instead? (5yr, in XAF terms)
USD-denominated assets gain an additional ~5.9%/yr from expected XAF depreciation vs USD
Hold USD Cash
XAF 1154
+XAF 154
+2.9%/yr net in XAF
S&P 500
XAF 2091
+XAF 1091
range: XAF 995–XAF 3992
10% USD return + 5.9% FX · ±16% vol
Gold
XAF 1917
+XAF 917
range: XAF 587–XAF 4987
8% USD return + 5.9% FX · ±24% vol
Bitcoin
XAF 3843
+XAF 2843
range: XAF 269–XAF 21.6k
25% USD return + 5.9% FX · ±54% vol

All values in XAF. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~5.9%/yr based on the inflation differential between Chad (8.9%) and the US (~3%). This uses purchasing power parity as a long-run approximation — actual FX movements can differ significantly in the short term. S&P 500 based on 1957-2024, Gold on 2000-2024, Bitcoin on 2015-2024. Past performance does not guarantee future results. Not financial advice.

Data last updated: 2026-05-19

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