10 across
West
African
rhino
has
Unitarian
retreating
(5)
West African rhino has Unitarian retreating (5)
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The definition is at the beginning of the clue.
How the clue works
West African rhino is the definition, with "rhino" being slang for money — the naira is Nigeria's currency. The answer is hidden inside "UnitariAN", and "retreating" tells us to reverse those letters: unitARIAN backwards gives NAIRA, with "has" serving as the hidden-word indicator.