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41
Moderate
Risk
Risk
XOF is a shared currency. Niger's score reflects its own fiscal health, banking system, and governance — not the currency bloc as a whole. All XOF countries share the same Global Currency Role and capital control scores, but differ on country-specific factors. Learn more
#51
of 171
Riskier
than 71% of currencies
37
global avg score
$648
$1,000 in 5 years
Impact on Citizens
Citizens need to earn at least 10.6% per year on savings to stay ahead. Money sitting in a regular account is slowly losing value.See savings calculator ↓
Economic Indicators
Inflation Rate
9.1%
Debt to GDP
Not available
GDP Growth
10.3%
Broad Money / GDP
16.4%
Banking & Stability
NPL Ratio
Not available
Reserve Months
Not available
Current Account
-6.0%
FX Volatility
9.7
Governance & Markets
Rule of Law
Not available
Black Market Premium
Not available
Capital Controls
48.0
Peg Fragility
26.0
Currency Structure
Global Currency Role
70.0
FX Regime
hard peg
Data Coverage
58.0%
Savings Impact Calculator
XOF
Holding cash in XOF9.1% inflation
XOF 648−XOF 352 (35% purchasing power lost)
Your XOF 1,000 buys 35% less in 5 years
What if you invested XOF 1,000 instead? (5yr, in XOF terms)
USD-denominated assets gain an additional ~6.1%/yr from expected XOF depreciation vs USD
Hold USD Cash
XOF 1163
+XOF 163
+3.1%/yr net in XOF
S&P 500
XOF 2107
+XOF 1107
range: XOF 1004–XOF 4018
10% USD return + 6.1% FX · ±16% vol
Gold
XOF 1931
+XOF 931
range: XOF 593–XOF 5018
8% USD return + 6.1% FX · ±24% vol
Bitcoin
XOF 3868
+XOF 2868
range: XOF 272–XOF 21.7k
25% USD return + 6.1% FX · ±54% vol
All values in XOF. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~6.1%/yr based on the inflation differential between Niger (9.1%) 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