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35
Moderate
Risk
Risk
XAF is a shared currency. Congo'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
#83
of 171
Safer
than 52% of currencies
36
global avg score
$888
$1,000 in 5 years
Impact on Citizens
Citizens need modest returns of 3.9% per year to keep up. Inflation is low — a basic savings account or index fund is enough to stay ahead.See savings calculator ↓
Economic Indicators
Inflation Rate
2.4%
Debt to GDP
25.5%
GDP Growth
3.1%
Broad Money / GDP
28.4%
Banking & Stability
NPL Ratio
15.2%
Reserve Months
1.6
Current Account
11.6%
FX Volatility
9.3
Governance & Markets
Rule of Law
Not available
Black Market Premium
Not available
Capital Controls
48.0
Peg Fragility
43.6
Currency Structure
Global Currency Role
70.0
FX Regime
hard peg
Data Coverage
83.0%
Savings Impact Calculator
XAF
Holding cash in XAF2.4% inflation
XAF 888−XAF 112 (11% purchasing power lost)
Your XAF 1,000 buys 11% less in 5 years
What if you invested XAF 1,000 instead? (5yr, in XAF terms)
Hold USD Cash
XAF 859
−XAF 141
-3.0%/yr net in XAF
S&P 500
XAF 1611
+XAF 611
range: XAF 734–XAF 3176
10% USD return + 0.0% FX · ±16% vol
Gold
XAF 1469
+XAF 469
range: XAF 418–XAF 4007
8% USD return + 0.0% FX · ±24% vol
Bitcoin
XAF 3052
+XAF 2052
range: XAF 180–XAF 18.4k
25% USD return + 0.0% FX · ±54% vol
All values in XAF. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~0.0%/yr based on the inflation differential between Congo (2.4%) 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: 2026-10-02