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 · AI agents for business finance: what they can and can't do
Explainers · UK, US, Canada, Europe

AI for KYC and AML monitoring: benefits and limits

Where AI helps with customer checks and transaction monitoring, where it falls short, what UK, US and EU regulators say, and what a person decides.

PE
Pryme editorialCompliance · 16 Oct 2026 · 5 min read

Part of the guideAI agents for business finance: what they can and can't do

The short answer

AI helps KYC and AML work most by reading documents, screening names more intelligently, scoring alerts by risk and assembling case files, so analysts spend their time on the cases that matter. It is limited by data quality, the need to explain decisions to regulators and the risk of missing new patterns. Decisions to refuse or exit a customer, freeze funds or file a suspicious activity report stay with a named, accountable person.

Know-your-customer (KYC) and anti-money laundering (AML) work is repetitive, document-heavy and full of false alarms, which makes it an obvious candidate for AI. It also carries legal duties that cannot be delegated to software. This article covers where the line sits. For how compliance fits with the other finance agents, see our guide to AI agents for business finance.

Where AI helps

Onboarding and KYC

  • Document reading. Extracting names, dates, addresses and company details from passports, utility bills and registry filings, and checking them against each other.
  • Company structures. Following ownership chains through registries to identify beneficial owners and flag gaps.
  • Chasing missing items. Asking the customer for the specific document still needed, and following up.
  • Periodic reviews. Refreshing files on schedule or when something changes, rather than in large annual batches.

Screening and monitoring

  • Smarter name matching. Handling transliteration, spelling variants and word order in sanctions and politically exposed person lists, while scoring weak matches lower.
  • Adverse media. Reading news in several languages and summarising whether a story concerns the same person.
  • Alert scoring. Ranking transaction-monitoring alerts by likely risk, so the most serious are reviewed first.
  • Case preparation. Pulling the customer's history, related accounts and previous alerts into one file with a draft narrative.

Regulators are broadly supportive. The FATF has said new technologies can make AML measures faster, cheaper and more accurate if used responsibly. In April 2026 the FCA named AML detection and KYC checks among the use cases in the second cohort of its AI Live Testing programme. In the US, an April 2026 FinCEN proposal would treat responsible use of innovative technology, including AI, as a mitigating factor in enforcement decisions; as of October 2026 it remains a proposal.

Where it falls short

LimitWhy it mattersWhat to do
ExplainabilityYou must be able to tell a regulator why a customer was or was not flaggedRecord the factors behind every score; prefer models whose outputs can be explained
Data qualityPoor or incomplete customer data produces confident but wrong scoresFix onboarding data first; monitor for missing fields
New patternsModels trained on past cases may miss new typologiesKeep some rules-based scenarios alongside; review typologies regularly
BiasScores can track nationality or name rather than risk, excluding legitimate customersTest outcomes across customer groups; review declines
Silent suppressionAn AI that closes alerts automatically can hide real riskOnly auto-close under a validated, documented policy, with sampling
ChangeSwapping rules for a model can create gapsRun old and new side by side before switching

The Wolfsberg Group, an association of global banks, published a statement in August 2025 on moving to new monitoring approaches responsibly. It stresses validating the new approach during the transition, weighing model risk against financial crime risk, and being able to explain coverage and effectiveness. Those three points are a useful checklist for any firm, large or small.

A worked example: alert triage

A payments business generates 2,000 transaction-monitoring alerts a month. The figures are illustrative.

Without AIWith AI triage and case preparation
Alerts2,0002,000
Minutes per alert, including gathering history208 (file assembled in advance)
Analyst hours a monthAbout 667About 267
Order of reviewDate receivedHighest risk first
Alerts closed without a personNoneNone at first; later, only low-risk categories under a validated policy, with a monthly sample

The saving, about 400 analyst hours a month, comes from preparation and prioritisation, not from removing human review. The second benefit is speed on the alerts that matter: a high-risk case reaches an analyst on day one rather than waiting its turn. Keep the time saved in compliance, rather than cutting the team, until the new process has been validated.

What a person must decide

  1. Whether to onboard, refuse or exit a customer.
  2. Whether to freeze or return funds.
  3. Whether to file a suspicious activity report. In the UK, a nominated officer considers internal reports and decides independently whether to submit a report to the National Crime Agency.
  4. How to treat a possible sanctions match before any payment proceeds.
  5. Changes to the firm's risk appetite, scenarios and thresholds.

An agent can draft each of these decisions with the evidence attached; it should not make them. This follows the same pattern as our articles on finance decisions a person should make and audit trails for AI agents: prepare, escalate, record. Care is also needed with customer messages. An AI support agent must not reveal that a report has been made or that an account is under review, which in the UK could amount to tipping off.

Rules are changing in the EU

The EU's single AML rulebook, the Anti-Money Laundering Regulation, applies from 10 July 2027, with a new EU authority, AMLA, directly supervising a small number of high-risk cross-border firms from 2028. Firms serving EU customers should check that any AI used in monitoring will meet the new rules on ongoing monitoring and record-keeping. The parent guide covers the EU AI Act alongside.

Questions to ask before you buy

  1. What does each score or match rely on, and can an analyst see those factors for every alert?
  2. How was the model validated, on whose data, and how often is it re-tested?
  3. Can it run alongside our current rules so we can compare results before switching?
  4. Does it ever close alerts or clear matches without a person? Under what documented policy?
  5. How are outcomes tested for bias across nationalities, names and customer types?
  6. Where is customer data processed and stored, and is it used to train models for other clients?
  7. Can we export every alert, decision and reason for a regulator or auditor?

Where Pryme fits

Pryme business accounts include a Compliance agent that prepares work inside a mandate with a ceiling; above the ceiling a person decides, and an audit trail records agent actions. Whatever tool you use, decisions to onboard, refuse, freeze or report should stay with a named person. In Nigeria, Naira deposits are held by Solid Allianze Microfinance Bank Ltd, licensed by the CBN and insured by the NDIC up to the applicable limit; outside Nigeria, Pryme's activities are carried out through regulated partners.

Questions people ask

Can AI replace AML analysts?

No. It can cut the time analysts spend gathering information and reviewing low-risk alerts, and direct their attention to the highest-risk cases. Decisions to report, freeze or exit customers stay with accountable people.

Do regulators allow AI in transaction monitoring?

Yes. The FATF, FCA and FinCEN have all signalled support for responsible use of new technology in AML, while expecting firms to understand, test and explain their systems.

Can AI reduce false positives in AML?

It can rank alerts by likely risk and handle name variations better than simple rules, which reduces wasted reviews. Any automatic closing of alerts should follow a validated policy with regular sampling.

Can AI file a suspicious activity report?

It can draft one and assemble the evidence. The decision to submit belongs to a person; in the UK, the nominated officer decides whether to report to the National Crime Agency.

Is AI KYC high-risk under the EU AI Act?

KYC and fraud detection are not, in general, on the Act's high-risk list. Credit scoring of individuals is. Data protection and AML law still apply in full.

Sources

  1. FATF: Opportunities and challenges of new technologies for AML/CFT · accessed Oct 2026
  2. The Wolfsberg Group: Second statement on effective monitoring for suspicious activity (August 2025) · accessed Oct 2026
  3. FCA: FCA announces second cohort for AI Live Testing (April 2026) · accessed Oct 2026
  4. Jones Day: Modernizing AML/CFT, FinCEN proposes fundamental reforms to program requirements (May 2026) · accessed Oct 2026
  5. GOV.UK: Money Laundering Regulations - nominated officers and employee training · accessed Oct 2026
  6. FinTech Global: EU AMLR, why firms can't wait for 2027 to prepare · accessed Oct 2026
  7. William Fry: High-risk AI in financial services · 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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