The P2P spread: implied fees, speed premium, and how to read NGN quotes

Unpack the full stack of NGN/USDT and NGN/USDC P2P pricing: headline rate vs implied fee, merchant completion premium, Opay and bank rail frictions, and how P2PIndex sort modes help you see through cheap-looking ads that cost time or disputes on Bybit, Bitget, MEXC, and LocalCoinSwap.

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