Pryme
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Pryme Personal

Money with a heartbeat.

Meet Eva, the assistant inside the Pryme app. She opens accounts, moves money, saves toward your goals and follows up. Nothing leaves your account without your approval.

Meet Eva, the assistant inside the Pryme app. She holds dollars, pounds, euros and Naira side by side, swaps at a locked rate, pays bills in any of them and sends anywhere, asking before anything moves.

HomeEvery currency, every Box and every card on one screen.
Chat with EvaTell her the goal. She handles the steps and asks before anything moves.
Savings BoxesFlexible, Fixed, Investment and Interest-free, side by side.
Create a BoxPick the type, name the goal. Eva works out what to move, and when.
LoansSpaces credit and Salary Advance. Draw only what you need.
Invite friendsThree friends, ₦50,000 each, and ₦20,000 lands with you.
YouEva’s voice, your plan, your address and every security control.
Duress signalA word that looks normal on screen while your people are alerted.
Chat with EvaTell her the goal. She handles the steps and asks before anything moves.
Swap at the live rateOr name the rate you want and she swaps the moment it lands.
One card, every currencySpend from whichever balance suits, and freeze it from the app.
What Eva may do without askingStanding permissions, a voice, and a record of every rule you have given her.
Receipts anyone can verifyRegular or certified statements, e-signed and checkable by whoever receives them.
Open a personal account How we keep your money safe
Pryme app: Home
Pryme app: Chat with Eva
Pryme app: Savings Boxes
Pryme app: Create a Box
Pryme app: Loans
Pryme app: Invite friends
Pryme app: You
Pryme app: Duress signal
Pryme app: Chat with Eva
Pryme app: Swap at the live rate
Pryme app: Multicurrency card
Pryme app: What Eva may do without asking
Pryme app: Receipts and statements
MoneyAgentsApprovalAgentsEvery currencyYour approval

Open an account. Get money to spend.

Global money. Intelligent growth.

We give you a limit to spend at the shops and services you already use — and an account that works on your month while you get on with it. Dollars, pounds and euros sit beside your Naira, and an assistant handles the running of it, asking you first every single time.

One global account for your money and business. Move across currencies, automate everyday operations and put AI agents to work — with you in control of every important decision.

Open Personal or Business Account Already with us? Log in
Open a Business account Download the app for Personal Open an account from anywhere
Pryme app home: every currency on one balance
Personal · the app in your hand
Salary landed₦920,000 from John Doe Ltd · Naira account
Done
Move ₦100,000 to your Rent Box?Keeps ₦127.9m liquid · earns 18% p.a.
Approve
Paid Ikeja Electric₦18,400 · token sent by SMS
Done
Swap $200 → ₦310,000?Rate locked at ₦1,550 for 30 s
Approve
Held a ₦150,000 transferNew payee · unusual hour · needs you
Review
Received $2,400From a client · USD account
Done
Swap $200 → £—?Rate locked for 30 s
Approve
Paid the light bill at home₦18,400 · Ikeja Electric
Done
Keep $1,000 liquid, save the rest?$1,400 → Flexible Box
Approve
Held a £2,000 transferNew payee · needs you
Review
Eva is live
500,000+customers, personal and businessScan to get the app
Get the appScan with your phone camera
Regulated partnersEvery currency held with a licensed institution in its market
Solid AllianzeCBNNDIC
Scan to get the app
Get the appScan with your phone camera
Instant settlementOur own core ledger: swaps land at once, every receipt verifiableScan to get the app
Get the appScan with your phone camera
Agents with a mandatePowered by Pryme Intelligence. Nothing moves without youFlip
Pryme Intelligence
Eva, the assistant that runs a Pryme accountEvayour assistant
The Chief of Staff agent on a Pryme Business AccountDanielChief of Staff
The Finance agent on a Pryme Business AccountBenFinance
PrymeBruceCare
Inside a mandate you write. Every action logged.
Multi-currency30 currencies on one balanceFlip
Locked rates30 s
🇺🇸 1 USD—
🇬🇧 1 GBP—
🇪🇺 1 EUR—
The rate you see is the rate you get.
10 years2016 to today, one trunkScan to get the app
Get the appScan with your phone camera
Business Account

Open an account. Get customers.

Your competitor down the road sells the same thing you sell. The difference is who walks in. We put money in people’s hands that can only be spent in businesses like yours — and then we point them at you.

The Pryme Business home page: three currency balances on one account, the money actions, five agents working and a live stream of what they have done
Business · the page your team signs into
Spaces · Nigeria

We hand the customer the money. It can only be spent with you.

You are not borrowing. You are selling to somebody who already has the money — and that money can only be spent with a business like yours.

The business · Pryme Business
johndoe.mypryme.com · Spaces

Spaces Showing 30 days

Spaces is onshoppers near you can see your shop
Spaces brought you · 30 days ₦2,578,550.00 104 sales from 71 shoppers ▼ 4% on the period before
Where the money came from
91% shoppers who had been in before 9% first visit to your shop
21 of 71 came back more than once Average basket ₦24,793.75 Biggest shopper ₦142,300.00
24 Jul returningnew to you 22 Aug
Money on its way to you confirmed at the counter · on its way to your Naira account
Confirmed at the counter ₦47,150.002 sales today · final the moment they paid
Sales of 23 Aug₦90,9503 sales · confirmed
Sales of 24 Aug₦196,2005 sales · confirmed
Sales of 25 Aug₦47,1502 sales · confirmed
nothing for you to do · it arrives on its own
Lands in your NGN account ₦334,300.0010 sales in flight
The shopper · Pryme app
4:34
‹
BorrowLoans
SpacesSalary Advance
Spaces credit₦21,450 available
Repay ₦78,550
₦78,550 in use₦100,000 limit
Hold 25% · repay 2 more early to drop to 20%

₦100,000 from day one · agreement v2.1 · 12 Aug · View

Near youCategories 9Your loans 9
🛒Grocery / Retail4 places
🍽Eateries / Restaurants4 places
💊Pharmacies3 places
🎬Movies & Cinema3 places
🚌Transport3 places
💇Spa’s & Saloons3 places
Say “Hey Pryme”🎤
HomeBoxes CardsYou
Freeto join, nothing monthly. You are in the app the day you switch it on.
You get paidthe sale settles into your Naira account. Nobody to chase.
Zero riskwe carry the credit, whether or not the shopper repays us.
You growfaces that had never been to your shop — and most come back on their own.
The account

One account. Every currency you trade in.

Pryme Business4 currencies · one ledger
Base
₦127,328,879.23NGN · Nigerian Naira
$1,240.00USD · US Dollar
£480.00GBP · Pound Sterling
€310.00EUR · Euro
  • A named Naira account with Solid Allianze MFB — NDIC insured, your business name on it.
  • Real details abroad. A US account number, a UK sort code, an IBAN for the euro area.
  • Every currency has its own statement — regular or certified, with a code anyone can verify.
Swapping · in the app
4:34
‹···
Current account · NGN ₦127,328,879.23
SwapBoth balances move at once, on one ledger
Fill it inAsk Eva
$1 = ₦1,650.00
FromNGN ▾
250,000Available ₦127,328,879.23
ToUSD ▾
151.52after swap $1,391.52
Rate$1 = ₦1,650.00
Fee—
You get$151.52
NowWhen it hits

Eva waits for your rate and asks before she moves anything.

Target rate
$1 =1,585.00₦
Set the watch
Pryme Pay

Take money on your site, or on a checkout of your own.

No card, no OTP, nothing for the buyer to type in. They transfer from the bank app they already use, and the money lands in the same account your agents are running — already matched to the order, already in your books.

Pay from your bank app

We give the buyer a one-time account number. They transfer to it from any bank app or by USSD — no card, no OTP, nothing to type in.

Get the account number
  • Card details are never asked for, so they cannot leak.
  • The account is used once, then it closes.
  • Held with a licensed bank, insured by the NDIC.
Transfer exactly this amount

To this account, from any bank app. We watch it, and the page updates itself.

Send exactly₦26,767.50Copy
BankSolid Allianze MFB
Account number0000 000 000Copy
Account namePRYME / JOHNDOE‑ORD1042
Watching the account — nobody has to confirm anything.
Payment received

₦26,767.50 from GTBank · John D., matched to order ORD‑1042.

OrderORD-1042
Settled intoJohn Doe Trading Ltd · Naira account 0000 000 000
Receiptsent to the buyer
Get your receiptRun it again
Your checkout, your brand.On the site you already have, in your colours, on your own domain — or on a page we host for you.
A link for anything you sell.One price, one buyer, one link — sent on WhatsApp, Instagram or email, and paid the same way.
It lands already reconciled.Matched to the order, receipt issued, and in your books before you have looked at it.
Business Account

A team you did not have to hire.

Five agents come with the account. Each one has a job description, a budget and a ceiling you set. They do the work and bring it to you — nothing leaves the account without your signature.

CS Chief of Staff Runs the week

Knows what is stuck, who is waiting and what you promised — and keeps all three moving.

Booked a meeting with John Doe Foods for Thursday 11:00.
FI Finance Watches the money

Keeps the books as you trade and tells you the moment something does not add up.

Flagged a duplicate — invoice DP‑11908 was already paid in July.
COCompliance Keeps you inside the rules

Holds every filing to its own clock and screens names and payments against your policy — and logs what it refuses.

Screened 412 payments overnight and refused two of them.
SA Sales Chases what is owed

Goes back to the buyers who went quiet, with the receipt already attached.

Recovered ₦410,000 across three overdue invoices.
SU Customer Support Answers your customers

Replies, follows up on what they asked for and hands you only the ones that need you.

Resolved 4 conversations — two deliveries, one refund.
Every agent prepares and proposes. You are the only one who can approve.
Build on Pryme

Our rails, under your product.

Issue a dedicated Naira account number to each of your own customers, collect into it and reconcile against it. The same rails the Business Account runs on, with the licence behind them.

Read the API
Pryme Business

One business account. Every currency you trade in.

Dollars, pounds and euros beside a Naira account, on one ledger and one set of books. Five agents come with it and run the account — nothing leaves without your signature.

The Pryme Business home page: Naira, dollar and pound balances on one account, the money actions, five agents working and a live stream of what they have done
Business · the page your team signs into

A team you did not have to hire

Five agents come with the account. Each has a job description, a budget and a ceiling you set. They do the work and bring it to you — they propose, you approve.

CSChief of Staff Runs the week

Knows what is stuck, who is waiting and what you promised, and keeps all three moving.

Booked the quarterly review with your auditor for Thursday.
FIFinance Watches the money

Keeps the books in every currency you hold and flags the moment something does not add up.

Flagged a duplicate — invoice DP‑11908 was already paid in July.
COCompliance Keeps you inside the rules

Holds every filing to its own clock and screens names and payments against your policy — and logs what it refuses.

Screened 412 payments overnight and refused two of them.
SASales Chases what is owed

Goes back to the buyers who went quiet, with the invoice and the receipt already attached.

Recovered $12,400 across three overdue invoices.
SUCustomer Support Answers your customers

Replies, follows up on what they asked for and hands you only the ones that need you.

Resolved 4 conversations — two deliveries, one refund.
Every agent prepares and proposes. You are the only one who can approve.
Open a business account

Ten years, one trunk

The business has changed shape four times and never changed what it was rooted in. Each version was built out of what the last one could not do.

2016E-commerce

An online grocery store, built out of a faulty tab. Selling the food was the easy part — taking the money for it, and moving it, turned out to be the business.

2018OjirehPrime Card

A prepaid card. The first time the company issued rather than resold, and the first time it carried the obligations that come with holding somebody else’s money.

2020Microfinance bank

PrymeSolid Allianze acquired — an existing bank with an existing licence. The perimeter stopped being someone else’s to draw.

2023Multicurrency

More than one currency on one balance, and the rebrand to Pryme. A Nigerian business could hold dollars without holding a second institution.

2026Agentic operations

Accounts that do the work rather than only hold value. Five agents on the account, inside a policy you write — which is where the new mark starts.

Questions

The things people ask us first.

What is Pryme?

Pryme is a financial technology company. It gives people and businesses in Nigeria one account that holds Naira alongside dollars, pounds and euros, and a set of agents that do the running of it — keeping the books, chasing what is owed, answering customers and paying bills. Nothing leaves an account without the owner’s approval.

Can I hold dollars, pounds and euros in a Pryme account?

Yes. A Pryme account holds Naira, US dollars, pounds sterling and euros side by side on one ledger, each with its own account details — a Nigerian account number, a US account number, a UK sort code and an IBAN for the euro area. You can swap between them at a rate you set, and every currency has its own statement.

What is Spaces?

Spaces is available in Nigeria. It gives a shopper money to spend that can only be spent with a participating business. The business is paid into its Naira account whether or not the shopper repays, because Pryme carries the credit. For the business it is free to join, there is nothing monthly, and the customer’s identity is never shown — only a reference and what it is worth.

What do the agents on a Pryme Business Account do?

Five agents come with the account. The Chief of Staff runs the week and keeps what is stuck moving. Finance watches the money and keeps the books as you trade. Compliance keeps the filings on time and screens what moves. Sales chases what you are owed. Customer Support answers your customers and follows up. Each has a job description, a budget and a ceiling you set, and each one proposes rather than acts — nothing leaves the account without your signature.

How does Pryme Pay work?

Pryme Pay takes payments on your own site or on a checkout page you control. The buyer is given a one-time account number and transfers to it from any bank app or by USSD — no card, no OTP, nothing to type in. The money lands in the same account your agents are running, already matched to the order and already in your books.

What are Savings Boxes?

Savings Boxes are separate pots inside a Pryme account, held in Naira. Flexible Boxes can be withdrawn at any time, Fixed Boxes hold to a date, Investment Boxes hold for longer, and Interest-free Boxes earn nothing by design. A business can use them to ring-fence payroll and the tax it withholds, so that money cannot be spent by accident.

Who holds my money, and is it protected?

Pryme is a financial technology company, not a bank. Accounts and deposits are provided by Solid Allianze Microfinance Bank Limited, which is licensed by the Central Bank of Nigeria and is a member of the Nigeria Deposit Insurance Corporation.

Can I build on Pryme?

Yes. Pryme Rails lets a platform issue a dedicated Naira account number to each of its own customers, collect into it and reconcile against it, over one API — the same rails the Pryme Business Account runs on.

What is Pryme?

Pryme is a financial technology company. It gives you one account that holds US dollars, pounds sterling and euros beside Naira, with an assistant that runs the account for you and asks before anything moves. Accounts are provided in Nigeria today, and further markets open as each licence lands.

Can I open a Pryme account from outside Nigeria?

Accounts are provided in Nigeria today, subject to verification and approval. Foreign-currency balances are held and converted inside that account, so you can hold, receive and swap dollars, pounds and euros wherever you are.

Which currencies can I hold with Pryme?

Naira, US dollars, pounds sterling and euros, side by side on one ledger. Each has its own details — a Nigerian account number, a US account number, a UK sort code and an IBAN for the euro area — and each has its own statement.

How do I send money to Nigeria with Pryme?

Swap at a rate you set rather than the rate of the day, then send to any Pryme username or to a Nigerian bank account. There is no fee to send to another Pryme account.

What does the assistant do?

Eva is the assistant inside the Pryme app. She opens accounts, moves money, saves toward your goals, pays what is due and follows up what is owed to you — and asks you before anything moves.

What is Pryme Rails?

Pryme Rails lets a platform issue a dedicated Naira account number to each of its own customers, collect into it and reconcile against it, over one API — the same rails the Pryme Business Account runs on.

The Ledger

Notes on money that does the work: what we are building, what the regulation actually says, and how we think about letting software act on money. Read the Ledger

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Home · The Ledger · Diaspora accounts and investing
Japa & diaspora

Agri-investment platforms for the diaspora: SEC rules

What the SEC Crowdfunding Rules require of farm-investment platforms, which portals are registered, and what failed agri schemes had in common.

PE
Pryme editorialJapa & diaspora desk · 19 Oct 2026 · 5 min read
The short answer

A platform that pools money from the public to fund farms is offering an investment, and since January 2021 the SEC's Crowdfunding Rules say only SEC-registered crowdfunding intermediaries may run such portals, with investor money held by a registered custodian. Before sending money from abroad, check the operator on the SEC's own registers and treat fixed, high returns over a few months as a warning sign.

Why farm-investment apps fall under the SEC

Many Nigerians abroad first meet agri-investment through an app or a WhatsApp group: you 'sponsor' a farm unit, wait through a growing cycle, and receive your capital plus a stated return. Whatever it is called, a scheme that takes money from many people and promises them a share of the profit from someone else's work is an investment offered to the public. In Nigeria that brings it under the Securities and Exchange Commission (SEC).

When these platforms grew around 2016–2019 there was no specific rulebook. Operators interviewed by The Guardian in February 2020 said exactly that, and claimed the sector had raised about ₦20 billion, a figure that was not audited. The gap closed when the SEC released its Crowdfunding Rules on 12 January 2021, made under the Investments and Securities Act 2007. That Act was replaced by the Investments and Securities Act 2025; whether the Commission has since amended the crowdfunding rules is something to confirm on the SEC website before you rely on any single figure below.

What the Crowdfunding Rules require

The law firm Aelex summarised the 2021 rules. The parts that matter to a diaspora investor are these:

  • Only registered portals. A crowdfunding portal may be run only by an SEC-registered Crowdfunding Intermediary, which must sponsor at least three principal officers and hold a fidelity bond. Portals already operating had until 30 June 2021 to register.
  • Who may raise money. Issuers must be Nigerian-incorporated micro, small or medium businesses with a two-year track record (or a technical partner or core investor).
  • How much. In any 12 months a medium business may raise up to ₦100 million, a small one ₦70 million and a micro business ₦50 million.
  • What you can buy. Ordinary shares, plain bonds or debentures, and simple investment contracts approved by the SEC.
  • Where your money sits. A registered custodian holds each round's money in a separate trust account and releases it only if the target or minimum is met.
  • Limits on you. A retail investor's total crowdfunding investment in 12 months should not exceed 10% of net annual income. You sign a risk acknowledgement before investing, there is a one-year lock-in, and the intermediary does not offer secondary trading.
  • Offer length. An offer stays open for at most 90 days (60 days plus a 30-day extension).

The rules also cover commodity investment platforms, which may raise up to ₦1 billion in 12 months. That category is closest to the 'buy a share of a harvest' model many agri apps use.

Which platforms are registered

The SEC publishes a Registered FinTech Operators page. As published on 25 May 2025, it listed three crowdfunding intermediaries: Obelix 4.1.1 Alternative Ltd, PropCrowdy Ltd and Pennytree Business Ltd. None of the three is described there as a farm-only platform. That list is a snapshot, so also search the SEC's Find a Registered Operator directory, which shows each firm's function, account status and fidelity bond details. The SEC itself says some records may lag, so a missing name is a reason to ask questions, not proof of wrongdoing.

A platform may also say it is 'registered with CAC'. That only means the company exists. It is not permission to take investments from the public.

What failed schemes looked like

The SEC's Known Investment Scams page (14 August 2023) describes phantom schemes, Ponzi schemes and unlicensed platforms, and lists the warning signs: returns that sound unrealistic, no regulatory approvals, and operations no one can see. Its schedule of 38 illegal operators the Commission sealed up between 2013 and 2022 includes a farm-produce storage scheme, Ovaioza Farm Produce Storage Business in Abuja (2022). Even in 2020, an industry voice quoted by The Guardian said returns above 30% over a six-month moratorium looked unrealistic.

What you are toldWhat a rule-compliant offer looks like
Fixed return, paid whatever the harvestShares, bonds or an approved contract, with the risk set out in writing
Pay into the founder's or an agent's accountMoney held by a registered custodian in a trust account for that round
Withdraw any time, or roll over for a bonusOne-year lock-in, no secondary market on the portal
'Limited slots, pay today'Offer period of up to 90 days, with a minimum target
Registered with CACRegistered with the SEC as a Crowdfunding Intermediary

Under the Investments and Securities Act 2025, Ponzi and pyramid schemes are prohibited. Mondaq's review of the Act reports a penalty of not less than ₦20 million and/or imprisonment of up to 10 years for operators. That helps after the event. It does not return your money quickly.

Worked example: testing a farm offer

Example. A platform offers 30% in six months on a ₦1,000,000 'poultry unit'. That is ₦300,000 profit. Repeat it twice in a year and the simple yearly return is about 60%. For comparison, the 364-day Treasury bill stop rate at the 7 October 2026 auction was 15.85% (Nairametrics, as at October 2026). Farm risks include disease, prices and weather, so a farm promising almost four times the government's borrowing rate, with no stated risk, needs an explanation you can check.

Example. If your net annual income is the equivalent of ₦12,000,000, the 10% guide in the rules caps your crowdfunding investments at ₦1,200,000 over 12 months.

What to check first

  1. Find the exact company name on the SEC's registered operator directory or FinTech list.
  2. Ask which custodian holds investor money and get the trust account name in writing.
  3. Read the instrument: share, bond or investment contract. A WhatsApp message is not an offer document.
  4. Search the SEC's Known Investment Scams and enforcement pages for the name and its founders.
  5. Never pay into a personal account, and keep every receipt and message.

For more on spotting schemes, see our guide to Ponzi and investment scams in Nigeria, or compare regulated options in buying Nigerian mutual funds from abroad.

Where Pryme fits

Pryme does not offer or recommend farm investments. If you earn abroad, a Pryme account holds dollars, pounds and euros in the currency they arrived in (multicurrency), and you convert to naira only when you choose with Swap, after the platform you plan to use has passed the checks above.

Questions people ask

Are agric investment apps legal in Nigeria?

Raising money from the public for farms is allowed only through SEC-registered channels. Under the 2021 Crowdfunding Rules, portals must be run by SEC-registered Crowdfunding Intermediaries. Check the SEC's registered operator directory before investing.

How do I know if a farm investment platform is registered with SEC?

Search the company's exact name on the SEC's Find a Registered Operator directory and the Registered FinTech Operators page. CAC registration alone does not permit a firm to take investments.

Is 30% return in 6 months on farming realistic?

An industry voice quoted in 2020 called returns above 30% over six months unrealistic. As at October 2026 the 364-day Treasury bill stop rate was 15.85%, so a much higher promised return, with no stated risk, needs scrutiny.

Can I get my money back from a failed agric investment scheme?

Recovery is slow and not certain. Report to the SEC through its whistleblowing channel and keep all receipts. The ISA 2025 lets the SEC pursue Ponzi operators, but that does not promise a refund.

Sources

  1. Aelex: The SEC Crowdfunding Rules and their impact on start-ups and SMEs (Jul 2021) · accessed Oct 2026
  2. SEC Nigeria: Registered FinTech Operators (published 25 May 2025) · accessed Oct 2026
  3. SEC Nigeria: Known Investment Scams (14 Aug 2023) · accessed Oct 2026
  4. The Guardian Nigeria: Agric crowdfunding operators warn Nigerians against scams (24 Feb 2020) · accessed Oct 2026
  5. Mondaq: Review of the Investments and Securities Act 2025 (7 May 2025) · accessed Oct 2026
  6. Nairametrics: DMO raises N968.47 billion as 364-day stop rate falls to 15.85% (7 Oct 2026) · accessed Oct 2026

This article is general information, not financial, legal or tax advice. Products described are provided under the terms on this site and are subject to regulation and eligibility.

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