How the NGN/USD Conversion Works on Hamzry (Simple Guide)

If you are buying or selling services on Hamzry, the currency flow is designed to be straightforward and local. Hamzry lists services and handles payments in Nigerian Naira, so you do not need PayPal, a dollar card, or a foreign bank account to pay or get paid. This local-first approach removes the usual foreign exchange friction that many Nigerians face on global freelance marketplaces.

How payments and conversion are handled

1. Clients see prices in Naira. All service pages display package prices in NGN, so you know exactly what you will pay up front.

2. You top up your Hamzry wallet using local payment methods such as card, bank transfer, or USSD. These methods accept Naira payments and settle locally.

3. Hamzry holds funds in escrow while the work is in progress. The escrow protects buyers and ensures freelancers are paid only after the client approves the delivery. This is a core safety feature for both parties.

4. For foreign clients who want to pay in USD, Hamzry typically converts incoming USD to Naira at the platform or payment provider rate before crediting the freelancer. That means freelancers receive their balance in Naira and withdraw to local Nigerian banks. Sources indicate Hamzry focuses on Naira settlements to simplify withdrawals for Nigerian freelancers.

Why this matters

On many global platforms, Nigerian freelancers must route earnings through PayPal or Payoneer, which can be complicated or unavailable. On Hamzry, everything is priced and paid in Naira, removing extra steps and withdrawal hurdles. That leads to faster access to funds and fewer currency headaches for both buyers and sellers. 

Best practices for clients and freelancers

For clients

• Confirm the listed price is in Naira before you order. This avoids surprises when your bank or card applies foreign fees.

• Top up your Hamzry wallet using the payment method you use most. Card and USSD are quick for small to medium purchases.

• Use the built-in messaging to clarify deliverables and turnaround time. Clear briefs reduce revision rounds and speed up approval.

For freelancers

• Display portfolio samples and state the tech stack or tools you use. This reduces back and forth and builds trust.

• Keep your availability status up to date. Clients prefer freelancers who are recently active.

• Price packages reasonably for the local market, but include an express option for clients who need faster delivery.

Expert tips on handling conversion and value

• If a foreign client asks to pay in USD, agree on the effective NGN rate in the contract or message. That way both sides know the exact Naira amount to be credited once conversion happens.

• Monitor major NGN to USD rates using trusted converters to understand the market rate. Platforms may apply their own conversion fees, so expect a small spread. Reliable rate references include Wise and XE.

• Keep an eye on your Hamzry wallet balance and withdraw regularly. Smaller, more frequent withdrawals reduce exposure to sudden exchange rate swings.

Final word

Hamzry’s Naira-first model aims to make hiring and freelancing simpler and more predictable for Nigerians. By pricing in NGN, supporting local payments, and using escrow, the platform removes many of the common obstacles that used to slow down project starts and payouts.

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