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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 · Economy data
Data & reference

CBN Monetary Policy Rate history, 2008 to 2026

Every change to Nigeria's Monetary Policy Rate from 2008 to the September 2026 reset to 23%, with dates, size of each move and the corridor.

PR
Pryme researchMonetary policy desk · 17 Oct 2026 · 4 min read
The short answer

The Central Bank of Nigeria's Monetary Policy Rate (MPR) is 23% after the Monetary Policy Committee cut it by 350 basis points from 26.5% on 22 September 2026. The rate peaked at 27.5% from November 2024 to September 2025, after a tightening cycle that began at 11.5% in May 2022.

The Monetary Policy Rate is the CBN's benchmark interest rate, set by its Monetary Policy Committee (MPC). The table lists each meeting at which the rate changed, from the CBN's published decisions. For how the committee reaches decisions, see the full MPC decisions log.

MPR changes, 2022 to 2026 (as of October 2026)

MPC meetingChangeMPR after (% a year)Corridor around MPR
23–24 May 2022+150 bp13.00+100/-700 bp
18–19 July 2022+100 bp14.00+100/-700 bp
26–27 September 2022+150 bp15.50+100/-700 bp
21–22 November 2022+100 bp16.50+100/-700 bp
January 2023+100 bp17.50+100/-700 bp
20–21 March 2023+50 bp18.00+100/-700 bp
23–24 May 2023+50 bp18.50+100/-700 bp
24–25 July 2023+25 bp18.75+100/-300 bp
26–27 February 2024+400 bp22.75+100/-700 bp
25–26 March 2024+200 bp24.75+100/-300 bp
20–21 May 2024+150 bp26.25+100/-300 bp
22–23 July 2024+50 bp26.75+500/-100 bp
23–24 September 2024+50 bp27.25+500/-100 bp
November 2024+25 bp27.50+500/-100 bp
22–23 September 2025-50 bp27.00+250/-250 bp
23–24 February 2026-50 bp26.50+50/-450 bp
21–22 September 2026-350 bp23.00+50/-300 bp

MPR changes, 2008 to 2021

DateMPR after (% a year)Note
1 April 200810.00Raised 50 bp
2 June 200810.25Raised 25 bp
18 September 20089.75Cut during the global financial crisis
By November 20096.00Corridor +200/-400 bp
10 October 201112.00Raised 275 bp from 9.25 at an extraordinary meeting
24–25 November 201413.00Raised 100 bp
23–24 November 201511.00Cut 200 bp
21–22 March 201612.00Raised 100 bp
25–26 July 201614.00Raised 200 bp; held to early 2019
25–26 March 201913.50Cut 50 bp
28 May 202012.50Cut 100 bp
21–22 September 202011.50Cut 100 bp; held to May 2022

The MPR replaced the Minimum Rediscount Rate as the CBN's anchor rate in December 2006. Between 2008 and 2021 it moved within a range of 6% to 14%, with long holds: 12% from October 2011 to November 2014, and 14% from July 2016 to March 2019. The 2022 to 2024 cycle took it to more than double its 2021 level. The table shows changes recorded on the CBN decisions page. Some intermediate moves between 2008 and 2011 are not fully set out on that page and are left out here.

The MPR against inflation

A common way to read the policy stance is to compare the MPR with headline inflation at the time. A positive gap means the policy rate is above inflation (a positive real policy rate). The figures below use the MPR after each meeting and the latest NBS headline rate the committee had in hand.

MeetingMPR %Headline inflation cited %Gap, points
July 202318.7522.79 (June 2023)-4.04
February 202422.7529.90 (January 2024)-7.15
November 202427.5033.88 (October 2024)-6.38
September 202527.0020.12 (August 2025)+6.88
July 202626.5015.91 (June 2026)+10.59
September 202623.0015.39 (August 2026)+7.61

The table shows why the CBN describes policy as still restrictive after the September 2026 cut: the MPR remains several points above the latest inflation rate. For what this means for savers, see how to save when inflation is high.

Reading the corridor

The corridor sets the rates at which banks can lend surplus cash to the CBN (standing deposit facility) or borrow from it (standing lending facility). It is quoted in basis points around the MPR: +50/-300 means the lending facility is 0.5 points above the MPR and the deposit facility 3 points below. At 23%, that gives 23.5% and 20%.

  • A wide gap below the MPR (for example -450 bp) lets interbank rates sit well under the headline rate.
  • Narrowing that gap, as in September 2026, pulls the floor of market rates closer to the MPR.
  • The +500/-100 bp corridor used from July 2024 to July 2025 put the deposit floor just 1 point under the MPR, which made it attractive for banks to leave surplus cash with the CBN instead of lending it.
  • One basis point is 0.01 percentage points, so 350 bp is 3.5 points.

How we put this together

Source: the CBN's Monetary Policy Committee decisions page, which lists each meeting's MPR, corridor, cash reserve ratio and liquidity ratio. The November 2024 rise to 27.5% and the September 2026 reset to 23% were checked against dated reports of the communiques. Period: 2008 to September 2026. Gaps: some 2009 to 2011 meetings; the CBN page lists a few meetings with inconsistent dates, and where it did, we used the date in the body of the decision.

Related: real interest rates in Nigeria, treasury bill stop rates and inflation by month.

Questions people ask

What is the CBN interest rate now?

The Monetary Policy Rate is 23%, set at the 307th MPC meeting on 21–22 September 2026. The standing lending facility is 23.5% and the standing deposit facility 20%, from the +50/-300 basis point corridor.

What was the highest MPR in Nigeria?

In the period this page covers, the highest was 27.5%, set in November 2024 and held until September 2025. Earlier MPC records list 14% as the peak of the 2016 to 2019 period.

Does the MPR change my bank interest rate?

Not directly. Banks price loans and deposits themselves, but the MPR and the corridor anchor what banks earn on and pay for CBN funds, so lending rates and treasury bill yields tend to follow over time.

Why did the CBN cut the rate by 3.5 points in September 2026?

The communique described it as an operational realignment to restore the MPR as the main policy signal, because market rates had moved well below it. It cited slowing inflation, exchange-rate stability and the new Nigerian Overnight Funding Rate benchmark.

Sources

  1. Central Bank of Nigeria, Monetary Policy Committee decisions · accessed Oct 2026
  2. Arise News, 'CBN cuts MPR to 23% from 26.5% as MPC revises policy', 22 Sep 2026 · accessed Oct 2026
  3. Blueprint, 'Why CBN reset benchmark rate at 23% and recalibrate interest rate corridor' (reporting the 307th MPC communique), Sep 2026 · accessed Oct 2026
  4. Nairametrics, 'CBN retains interest rate at 26.5%', 21 Jul 2026 · accessed Oct 2026
  5. Peoples Gazette, report on postponement of the November 2023 MPC meeting · accessed Oct 2026
  6. Business Post, 'CBN cuts interest rate to 23% from 26.5%', 22 Sep 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.

More on Economy data

Data & reference

CBN MPC decisions log: every meeting since 2022

Every CBN Monetary Policy Committee meeting from January 2022 to September 2026: MPR, corridor, cash reserve ratio, liquidity ratio and outcome.

PRPryme research · Monetary policy desk17 Oct 2026 · 4 min
Data & reference

Naira to dollar official exchange rate history, 2016 to 2026

Key moves in the official naira-dollar rate from the 2016 float to 2026: the I&E window, the 2023 unification, the 2024 low and the 2026 recovery.

PRPryme research · Markets desk17 Oct 2026 · 4 min
Data & reference

NDIC deposit insurance limit history, 1988 to 2026

How the NDIC's maximum cover per depositor has changed since 1988, by type of bank, from ₦50,000 to ₦5 million for commercial banks in 2025.

PRPryme research · Banking data desk17 Oct 2026 · 4 min