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7 Unseen Forces Driving The Unibank Taux Du Jour (USD/HTG) In 2025

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Tracking the "Taux du Jour Unibank" is more than just checking a number; it is a daily barometer of Haiti's complex economic stability. As of today, December 19, 2025, the Haitian Gourde (HTG) continues to navigate a turbulent environment, with the exchange rate against the US Dollar (USD) fluctuating around the 130-131 HTG per $1 mark, a rate closely managed by the Banque de la République d'Haïti (BRH). Understanding the rate offered by major commercial banks like Unibank requires looking beyond the posted figure and examining the powerful, often unseen, forces dictating the currency’s value.

The daily rate published by Unibank, often slightly different from the central bank's official reference rate, is crucial for everyone from international investors and diaspora members sending remittances to local businesses setting prices. This deep-dive article breaks down the mechanics of the *Taux du Jour* and reveals the seven critical economic and political entities influencing the value of the Gourde in late 2025.

Understanding the Unibank Taux du Jour: The Mechanism and the Mandate

The term "Taux du Jour" (Daily Rate) refers to the foreign exchange rate—specifically the USD to HTG rate—that commercial banks like Unibank utilize for their transactions. Unlike in fully free-floating markets, the Haitian exchange rate environment is heavily influenced by the central bank, the BRH.

The BRH Taux de Référence: The Anchor Rate

The primary driver of the Unibank rate is the *Taux de Référence* (Reference Rate) calculated and published daily by the Banque de la République d'Haïti (BRH). This is not a mandatory rate for commercial banks, but it acts as a critical benchmark for the entire Foreign Exchange (FX) market. The BRH calculates this reference rate based on the volume and value of dollar purchase transactions and operations carried out by commercial banks and exchange bureaus across the country on the preceding day.

For example, recent data shows the BRH Reference Rate hovering near 130.7189 HTG per USD, while Unibank and competitors like SOGEBANK may post slightly lower rates (e.g., 129.5000 HTG per USD) for currency purchases, reflecting market competition and operational costs. The difference between the BRH rate and the bank rate represents the spread, which is the bank's profit margin on currency exchange services.

Unibank's Role in the FX Market

Unibank is one of Haiti’s largest and most significant financial institutions, making its posted rate a key indicator of market confidence. While the BRH sets the reference, Unibank’s specific *Taux du Jour* is influenced by:

  • Liquidity: The bank’s own supply of US Dollars.
  • Volume: The volume of currency transactions it processes daily.
  • Competition: Rates offered by other major banks (like SOGEBANK) and the parallel market (Bureaux de Change).

The Haitian Gourde remains convertible for both commercial and capital transactions, which is a structural factor supporting trade and investment.

The 7 Critical Economic and Political Factors Shaping the Gourde (HTG) in 2025

The stability of the *Taux du Jour Unibank* is ultimately determined by seven large-scale factors that shape the supply and demand for the US Dollar within the Haitian economy.

1. Diaspora Remittances: The Lifeblood of the Gourde

Remittances—money sent home by the vast Haitian diaspora, primarily from the United States, Canada, and France—remain the single largest source of foreign currency inflow. These transfers provide a continuous, massive supply of US Dollars, which is essential for stabilizing the Gourde. Any disruption to these flows, or a change in the exchange platforms (like Western Union or MoneyGram) used, immediately impacts the dollar supply and pushes the *Taux du Jour* higher or lower. This inflow is often the only thing preventing a catastrophic depreciation of the HTG.

2. Political Instability and Gang Violence

The severe political crisis and escalating gang violence in 2025 are the most destabilizing forces affecting the Gourde.

  • Capital Flight: Instability causes local businesses and wealthy citizens to convert their assets into US Dollars and move them offshore, increasing the demand for USD.
  • Trade Disruption: Gang control over ports and major roads (especially in Port-au-Prince) disrupts imports, leading to shortages and inflation, which further pressures the currency.

The near-collapse of basic services due to this crisis directly undermines economic confidence, making the Gourde a less attractive store of value.

3. Monetary Policy and BRH Intervention

The BRH actively manages the money supply and intervenes in the FX market to control volatility. When the Gourde is depreciating too quickly, the central bank sells US Dollars from its reserves to increase the supply, thereby strengthening the HTG. Conversely, the BRH may purchase dollars to prevent the Gourde from appreciating too rapidly, which would hurt exporters and remittance recipients. The effectiveness of this policy is a constant battle against the high demand for USD.

4. Foreign Direct Investment (FDI) and Aid

Foreign Direct Investment (FDI) and international aid from entities like the World Bank Group and the United States are critical injections of foreign currency. However, the ongoing security crisis has severely limited new FDI and often delays the disbursement of aid. Reduced foreign investment means fewer dollars entering the commercial market, placing additional pressure on the *Taux du Jour Unibank* to rise.

5. Inflation and Purchasing Power

High inflation rates in Haiti erode the purchasing power of the Gourde, leading people to prefer holding US Dollars as a hedge against rising costs. This psychological factor drives up the demand for USD in the local market, including at commercial banks and exchange bureaus, forcing the *Taux du Jour* to adjust accordingly. The sharp decline in agricultural productivity further fuels this inflationary environment.

6. Trade Balance (Imports vs. Exports)

Haiti is a heavily import-dependent nation, meaning it constantly requires US Dollars to purchase goods (fuel, food, manufactured items) from abroad. The country's export revenue is significantly lower than its import expenditure, creating a persistent trade deficit. This structural deficit ensures a constant, high demand for USD, which is a foundational factor keeping the *Taux du Jour* at a depreciated level.

7. Global Commodity Prices

As a net importer of fuel and food, global commodity price volatility directly impacts the Gourde. When global oil prices rise, Haitian importers need more USD to purchase the same amount of fuel, increasing the overall demand for foreign currency. This external shock immediately filters down to the BRH Reference Rate and subsequently to the Unibank *Taux du Jour*.

Navigating the Exchange Rate: Tips for Diaspora and Businesses

For those dealing with the Haitian Gourde, especially diaspora members sending money or businesses engaging in cross-border trade, tracking the *Taux du Jour* effectively is paramount. The difference of a few Gourdes per dollar can significantly impact the value of a transaction.

The USD/HTG exchange rate fell to 130.9260 on December 19, 2025, a slight drop from the previous session, illustrating the daily volatility. This fluctuation makes timing critical.

How to Track the Most Accurate Rate

  • BRH Official Site: Always check the Banque de la République d'Haïti (BRH) website for the latest *Taux de Référence*. This is the most authoritative benchmark.
  • UnibankOnline: Utilize the UnibankOnline corporate or retail platforms for the bank’s specific transaction rates, as these are the rates you will receive.
  • Money Transfer Services: If sending remittances, compare the rates offered by major transfer services (Western Union, MoneyGram, Xe) against the commercial bank rates, as they often have different spreads and fees.
  • Market Comparison: Note that the rates posted by commercial banks like Unibank and SOGEBANK are typically the maximum rates allowed for the purchase of dollars, reflecting a tightly managed market.

In conclusion, the Unibank *Taux du Jour* is a highly dynamic figure, a nexus where Haiti's macroeconomic realities—from the vital flow of diaspora remittances to the crippling effects of political instability and gang violence—converge. For 2025, the rate remains a delicate balancing act, heavily reliant on the BRH’s intervention and the resilience of the Haitian people.

taux du jour unibank
taux du jour unibank

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