Nigeria’s decision to tighten cash-withdrawal limits has triggered fresh debate across markets, boardrooms and the informal economy. Under the new CBN rules taking effect in January 2026, individuals may withdraw up to ₦500,000 weekly and corporates up to ₦5 million across all channels, with higher withdrawals attracting regulated fees. To some, this marks a necessary step toward financial transparency, anti-money laundering compliance and digital transformation. To others, it threatens to destabilise the informal sector that remains the backbone of Nigeria’s commerce. Both views capture parts of the truth, but the deeper story is that Nigeria is entering a quiet monetary revolution—one that could reshape how millions transact, save and build businesses.