The math doesn’t lie.

Sleep Capital exists because most people don’t see the invisible theft happening to their savings every single day.

The Story

🧊The Melting Ice Cube

You work 10 hours a day to save money in an account that loses roughly 30% of its purchasing power every year to inflation and Naira devaluation. Saving in local currency is like holding a melting ice cube in your hands. You are getting poorer while you sleep — even if the number on your bank app looks the same.

💰The Sleep Income Machine

Wealthy people don’t trade 24/7. They park capital in hard currencies (USDT, USDC) and automated yield protocols, and let the math do the work. They earn while they sleep. If your money isn’t making you more money with your eyes closed, you’ll work until you die.

📊The Calculator

We don’t want you to buy anything. We want you to look at the math. Enter your Naira balance. Pick a time horizon. See the gap between holding NGN and parking the same capital in top-tier USDT yields. That’s your missed Sleep Income.

Methodology

Refresh cadence

Yield rates refresh daily at 02:00 UTC via a GitHub Action. Rates you see are at most 24 hours old.

USDT (DeFi) sources

Aave, Compound, and Venus rates pulled from DefiLlama’s Yields API. We filter for the canonical USDT pool per protocol (highest TVL match for the supply side) and use the live APY.

NGN sources

Cowrywise, PiggyVest, and Bamboo rates are pulled from each platform’s publicly advertised maximum savings rate. Nigerian fintechs don’t expose machine-readable APIs, so these values are reviewed manually (~quarterly) and stored in a versioned config file.

Compound interest formula

Final = Principal × (1 + APY/100)^Years — annual compounding, no fees factored in.

Real value (purchasing power)

The Naira card shows both nominal return and real value after inflation. We assume an effective NGN devaluation of 28% per year (rough average of CPI inflation + USD/NGN depreciation). Formula: P × ((1+APY) / (1+inflation))^Years

USDT in Naira terms

The USDT card displays results in ₦ assuming a static exchange rate. Real-world conversion involves spread and off-ramp fees that we don’t model. The asterisk (*) flags this assumption.

Risks & Disclaimers

Not financial advice. This is a comparison tool, not a recommendation. Talk to a qualified advisor before moving real money.

Smart contract risk. DeFi protocols can lose funds to exploits, oracle manipulation, or insolvency. Aave, Compound, and Venus have all had incidents. APY ≠ guaranteed.

Off-ramp risk. Converting between NGN and USDT involves regulated and unregulated channels. Spreads, KYC limits, and policy changes can all eat into returns.

Regulatory risk. The Nigerian government’s stance on crypto is evolving. Restrictions on P2P, banks, or stablecoin access could change.

Past rates ≠ future rates. DeFi yields are floating and respond to demand. The number you see today won’t be the number tomorrow.

Don’t trust us. Trust the math.

Open the calculator