If you're a Nigerian freelancer trying to figure out which USD account to use, you've probably heard two names more than any others: Cleva and  Raenest . Both promise to solve the same problem receiving dollar payments from international clients without the headaches of Payoneer or traditional Nigerian banks. Both have YouTube videos, X testimonials, and marketing claiming theirs is the best. So which one should you actually choose? Here's my honest take as a beginner Nigerian freelancer who picked Raenest. I'll tell you why I made that choice, what Cleva offers that's worth considering, and how to decide for yourself. A note before I start: I haven't personally used Cleva. I went straight to Raenest after Payoneer failed me. This isn't a comprehensive, technical review of both platforms. It's the honest reasoning of one Nigerian beginner trying to make the right choice and what I've learned researching both since then. Why I chose Raenest (without...