About the USD to NGN rate
The naira has seen substantial volatility against the dollar in recent years following changes to Nigeria's foreign exchange policy, which makes checking a live mid-market rate especially important before sending or receiving money — the gap between official and street-level rates has, at times, been significant.
For the Nigerian diaspora sending remittances home, and for Nigerian importers pricing goods bought in dollars, the practical question is rarely "what's the official rate" but "what rate will I actually get today" — comparing several remittance providers against the live mid-market figure here is the fastest way to spot a bad deal.
Because the naira has historically moved quickly relative to most major currencies, checking the rate right before a transaction — rather than relying on a number from a few days ago — matters more here than it does for steadier pairs like USD/EUR.