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 · Is your money safe in a Nigerian fintech?
Explainers · Nigeria

How to check if a bank or fintech is licensed by the CBN

A ten-minute check for any Nigerian bank, fintech or loan app: find the legal name, search the CBN, NDIC, FCCPC and SEC lists, and spot fakes.

PE
Pryme editorialSafety · 16 Oct 2026 · 5 min read

Part of the guideIs your money safe in a Nigerian fintech?

The short answer

Find the provider's exact legal name and the licensed institution that holds your money, usually in the app's terms or website footer. Then search for that name on the CBN's lists of licensed institutions and the NDIC's list of insured institutions; loan apps should also appear on the FCCPC's approved list, and investment platforms on the SEC's register. If you cannot find the name, or the app will not tell you who holds deposits, do not deposit.

A licence does not guarantee good service, but no licence means no supervision and no deposit insurance. Checking takes about ten minutes. This article is the step-by-step version of the checklist in our guide is your money safe in a Nigerian fintech?, which also explains what each licence type allows.

Apps trade under brand names. Regulators list legal names. You need three things:

  • The company behind the app, with its registration (RC) number. Look in the website footer, the terms and conditions, or the "About" screen in the app.
  • The deposit holder, if the app is not itself a bank. The terms should say something like "accounts are provided by [name] Microfinance Bank Ltd, licensed by the CBN".
  • Any other regulator named, for example the SEC for an investment product or the FCCPC for a lender.

If you cannot find a deposit holder's name after a few minutes of looking, email support and ask. A licensed provider will answer in one line. An evasive reply is your answer.

Step 2: search the right register

What the app doesRegister to checkWhat you are looking for
Holds deposits (bank, MFB, PSB)CBN lists of licensed financial institutions; NDIC list of insured institutionsExact legal name of the deposit holder, and that it is not on a recent revocation list
Runs a wallet you fund (mobile money)CBN list of licensed mobile money operators and payment service providersThe operator's legal name and licence category
Lends moneyFCCPC approved digital lenders listThe app and company name, and whether approval is full, conditional or on a watchlist
Invests your moneySEC register of capital market operators and its fintech portalThe platform's registration, and a named custodian holding your assets

The CBN and NDIC lists

The CBN publishes lists of licensed institutions by category on its website: commercial banks, microfinance banks, payment service banks, mortgage banks, finance companies, mobile money operators and other payment licences. The NDIC publishes its own list of insured institutions, including a separate list of insured microfinance banks, and a tool to verify an insured institution. Search for the deposit holder's exact legal name. You can also dial *959# to query the CBN database from a mobile phone.

Then check the opposite: has that name appeared on a revocation notice? The CBN revoked 46 MFB licences on 1 July 2026 and publishes revocation notices as PDFs. A quick search of the name with "licence revoked" catches most problems.

The FCCPC list for loan apps

Under the Federal Competition and Consumer Protection Commission's digital lending rules, every digital lender must be registered. As of January 2026 the FCCPC had authorised more than 400 lenders, grouped as full approval, conditional approval, CBN waiver (apps owned by licensed MFBs) and watchlist, and had blacklisted 45 apps. Use the current list on the FCCPC website, not a screenshot shared on social media.

The SEC register for investments

Under the Investments and Securities Act 2025, only registered entities may solicit funds or give investment advice in Nigeria's capital market. The Securities and Exchange Commission (SEC) said in May 2026 that people should check a platform's registration on its official databases before sending money. Our guide to spotting Ponzi and investment scams covers the warning signs.

Step 3: match the licence to the product

A real licence can still be used to dress up a product it does not cover. A payment licence allows a company to move money; it does not allow it to take deposits or promise interest. A microfinance bank licence covers deposits and loans; it does not make a crypto or foreign-exchange trading feature regulated. So once you have found a name on a list, ask a second question: is this licence for the thing I am about to do?

Look at each balance in the app separately. Your everyday account, a savings pot, an investment plan and a loan may each sit with a different entity, under a different regulator, with different protection. Write down which is which. If a provider bundles them together without saying, that is worth a support email before you move a large sum.

A worked example

Funmi sees an advert for a savings app paying 28% a year. She checks it in four moves.

  1. The app's footer gives a company name and RC number, and the terms say deposits are held by "XYZ Microfinance Bank Ltd".
  2. She searches the NDIC list of insured microfinance banks. XYZ MFB is there.
  3. She searches "XYZ Microfinance Bank licence revoked". Nothing.
  4. She reads the product terms. The 28% is earned on an "investment plan" that buys commercial paper, not on the MFB deposit. That part is not NDIC-insured, and the app gives no SEC registration or custodian.

Result: she is comfortable holding everyday money in the deposit account, up to ₦2,000,000, but not the investment plan until she can see an SEC registration and a named custodian. That one check separated the insured part of the product from the uninsured part.

Signs a licence claim is fake

  • A CBN or NDIC logo on the website, but no legal name you can search.
  • A licence number that leads nowhere, or a deposit holder name that does not match any list.
  • "Licensed by CBN" on a product the CBN does not regulate, such as a crypto or forex trading scheme.
  • Requests to pay into a personal account rather than an account in the company's or bank's name.
  • Pressure to deposit before you have time to check.

Where Pryme fits

Pryme Financial Ltd is a technology company, not a bank. 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 per depositor. That is the name to search on the CBN and NDIC lists if you want to run this check on us. Solid Allianze is also the lender behind Spaces credit, which can be spent only with merchants in Pryme's Spaces ecosystem: a limit may be offered based on how your account is run, and the agreement is shown in full and must be accepted before anything is drawn. Pryme Financial provides the technology; the lender is the CBN-licensed microfinance bank. Personal and Business accounts can be opened from any country, which suits people in the diaspora, freelancers and foreign firms; Savings Boxes and credit remain Naira-only. Outside Nigeria, activities are carried out through regulated partners.

The legal entities and their roles are listed on our entities page, and the wider guide to fintech safety in Nigeria covers what to check beyond the licence.

Questions people ask

How do I know if a fintech app is CBN approved?

Find the legal name of the company and the bank that holds deposits in the app's terms, then search for that name on the CBN's lists of licensed institutions and the NDIC's insured list. A brand name alone will not appear.

Is there a USSD code to check if a bank is licensed?

Yes. Dialling *959# lets you query the CBN database from a mobile phone. Confirm the result against the NDIC list of insured institutions.

Where can I see the list of approved loan apps in Nigeria?

On the FCCPC website, under registration of digital money lenders. The list shows full, conditional and waiver approvals and a watchlist; check the current version each time.

Does a CBN licence mean my money is insured?

Only for deposits at a licensed bank, MFB, PSB or mobile money operator. Payment licences that do not take deposits, and investment products, do not carry NDIC cover.

What if a fintech says it is 'in partnership with' a bank?

Ask the bank's exact legal name and check it on the CBN and NDIC lists. Then confirm in the terms that your account and deposits are held by that bank, not just that the two companies work together.

Sources

  1. Africa Check: Nigeria's central bank revoked 46 microfinance bank licences, what happens now · accessed Oct 2026
  2. NDIC: verify an insured financial institution · accessed Oct 2026
  3. NDIC: list of insured microfinance banks · accessed Oct 2026
  4. CBN: revocation of licences of 46 microfinance banks (2026) · accessed Oct 2026
  5. IT Edge News: FCCPC and CBN approve over 430 loan apps (Jan 2026) · accessed Oct 2026
  6. Nairametrics: SEC warns against Ponzi schemes on WhatsApp, TikTok and Instagram (May 2026) · accessed Oct 2026
  7. ICIR: ISA 2025, Ponzi scheme operators to face 10 years' jail · 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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