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 · Credit without a loan form: loan apps, BNPL and Spaces
Explainers · Nigeria

How to check a loan app is registered with the FCCPC

A step-by-step check of the FCCPC's approved lenders list, what each status means, and what to do when a loan app is missing or the names do not match.

PE
Pryme editorialCredit · 16 Oct 2026 · 6 min read

Part of the guideCredit without a loan form: loan apps, BNPL and Spaces

The short answer

Open the FCCPC website, go to Registration of Digital Money Lenders, and open the list of approved digital money lenders. Search for both the company name and the app name, and check its status: full approval or a CBN waiver means it may lend; conditional approval no longer counts, and an app that is missing should not be used. If the lender says it is a bank or microfinance bank, confirm that with the CBN as well.

Since 2025, any company lending to consumers through an app, website or other digital channel in Nigeria must be registered with the Federal Competition and Consumer Protection Commission (FCCPC). Checking takes about five minutes and is the single most useful thing you can do before you borrow. This article walks through the check. For how loan apps compare with other kinds of everyday credit, see our guide to loan apps, BNPL and Spaces credit.

Why the register matters

The Digital, Electronic, Online or Non-Traditional Consumer Lending Regulations, 2025 (the DEON Regulations) require digital lenders to register with the FCCPC before they operate. Registration comes with obligations you can rely on: costs, repayment terms and fees must be fully disclosed before any transaction is completed, credit must be opt-in only, and the lender must declare that its app will not access your call logs, contacts or photos. The FCCPC can fine a company up to ₦100 million or 1% of the previous year's turnover, whichever is greater, and disqualify directors for up to five years.

An unregistered lender has made none of those commitments, and you have fewer routes to complain. The FCCPC revoked the conditional approvals of lenders that missed its 5 January 2026 compliance deadline and has removed non-compliant operators from its list.

How to check, step by step

  1. Find the legal company name. App names and company names often differ. Look in the app store listing under the developer name, and in the app's terms or privacy policy. Write down both names.
  2. Go to the FCCPC website (fccpc.gov.ng) and open the page Registration of Digital Money Lenders. Use the official site, not a list shared on social media.
  3. Open the approvals list for digital money lenders. It is a table with the company name and the names of its apps. There is a separate list for airtime and data lenders.
  4. Search the page (Ctrl+F on a computer, or Find in page on a phone) for the company name, then for the app name. Try short versions of each, because spellings vary.
  5. Check that the company and the app match. An approved company name next to a different app name does not cover the app you are using.
  6. Check the status. Full approval or a CBN waiver means the lender may operate. See the table below.
  7. If it claims to be a bank or microfinance bank, confirm the licence on the Central Bank of Nigeria's list of financial institutions as well.
  8. Keep a screenshot of what you found, with the date. It helps if you later need to complain.

What each status means

StatusWhat it meansShould you borrow?
Full approvalThe lender has met the FCCPC's registration requirements and may operate.Yes, if the terms suit you.
CBN waiverThe app belongs to a CBN-licensed institution, such as a microfinance bank, and is supervised by the CBN instead of registering as a digital lender.Yes, after confirming the licence with the CBN.
Conditional approvalA past interim status. Conditional approvals were revoked for lenders that missed the January 2026 deadline.Treat as not registered unless the lender now appears with full approval.
Watchlist or delistedThe lender is under investigation or has been removed.No.
Not listedNo record of registration.No.

When the app is missing or the names do not match

A missing app is not always a scam, but you should not borrow until the doubt is resolved. Common reasons, and what to do:

  • The app uses a trading name. Search the developer name from the app store. If that company is listed but the app is not, email the lender and ask why, and wait for a clear answer.
  • The lender says it is "processing" registration. Registration under the DEON Regulations had a fixed deadline. A lender still processing in late 2026 is not approved.
  • The lender says it is a microfinance bank. Check the CBN's list. A real MFB will appear there under its legal name.
  • The app copies a well-known brand. Clone apps use familiar logos with a different developer name. Download only the app linked from the lender's official website.

Do not rely on headlines

Reports about the register are not always accurate. In June 2026 the FCCPC publicly denied a widely shared report that it had approved 48 more loan apps, saying no new approvals had been issued while the court order was in place. Check the FCCPC's own website and official accounts rather than a news story or a list in a group chat.

Registration is the first check, not the last

An approved lender can still be the wrong lender for you. Once the name checks out, read the offer the same way you would read any loan, starting with the total naira cost. Our explainer on APR versus flat fees shows how to compare prices quoted in different ways. Then:

  • Read the full agreement before accepting. Under the Regulations, terms must be disclosed before the transaction is completed.
  • Refuse any request for access to contacts, call logs or your photo gallery. Registered lenders have declared they will not need it.
  • Check that the amount paid to you matches the amount the agreement says you are borrowing.
  • Make sure you chose to borrow. Automatic or pre-authorised lending is prohibited under the Regulations.
  • Note the complaints channel. A lender should try to resolve a complaint within 48 hours, and within 14 days where it is complex, before you escalate to the FCCPC.

If a lender is already harassing you, our article on loan app harassment and your rights covers the steps to take. For the wider picture of how digital lending is regulated, including the CBN's role, see the section on the rules in our everyday credit guide.

Where Pryme fits

Pryme's credit features, Spaces credit and Salary Advance, are Nigeria-only and are offered inside the Pryme app. The checks in this article apply to any credit you are offered, from any provider: read the full agreement, look at who provides the credit, and confirm that provider on the FCCPC's list or the CBN's list of financial institutions before you accept. For Spaces credit, the lender is Solid Allianze Microfinance Bank Ltd, a CBN-licensed microfinance bank, which you can confirm on the CBN's list of financial institutions; Pryme Financial provides the technology. Questions about Pryme can go to contact.

A Spaces limit is offered based on how you run your account. You see the full agreement and choose whether to accept it before anything can be drawn, and the credit can be spent only with merchants in Pryme's Spaces ecosystem. Solid Allianze, the lender, is integrated with all of Nigeria's licensed credit bureaus, and its credit decisions draw on them. As a CBN-licensed lender, Solid Allianze's credit activity sits within Nigeria's credit-reporting system, so repaying on time helps build a credit history.

Questions people ask

Where is the list of FCCPC approved loan apps?

On the FCCPC website, under Registration of Digital Money Lenders. There is a list of approved digital money lenders, showing company names and app names, and a separate list for airtime and data lenders.

Is a loan app with conditional approval legal?

Conditional approval was an interim status. The FCCPC revoked conditional approvals for lenders that missed the 5 January 2026 deadline, so treat a lender that still describes itself as conditionally approved as unregistered unless it now appears with full approval.

Do microfinance bank loan apps need FCCPC registration?

A loan app owned by a CBN-licensed institution, such as a microfinance bank, can hold a waiver instead of full registration, because the CBN supervises it. Confirm the bank's licence on the CBN's list of financial institutions.

Are the FCCPC digital lending rules still in force?

Yes, as of October 2026. A court paused enforcement in April 2026, but on 20 July 2026 the Federal High Court upheld the Regulations and the FCCPC resumed enforcement. An appeal has been filed, so check the FCCPC's website for changes.

What should I do if a loan app is not on the FCCPC list?

Do not borrow from it. If you already have a loan with it, keep records, repay only what your agreement says to the lender's official account, and report it to the FCCPC through its complaints portal.

Sources

  1. FCCPC: Digital, Electronic, Online or Non-Traditional Consumer Lending Regulations, 2025 · accessed Oct 2026
  2. FCCPC: DEON Consumer Lending Guidelines 2025 · accessed Oct 2026
  3. FCCPC: Registration of digital money lenders (approval lists) · accessed Oct 2026
  4. Premium Times: FCCPC resumes digital lending regulations as court upholds powers (Jul 2026) · accessed Oct 2026
  5. TheCable: WASPAN challenges court ruling affirming FCCPC's powers over digital lending regulations (Jul 2026) · accessed Oct 2026
  6. The Guardian Nigeria: FCCPC moves against unregistered loan apps, revokes conditional approvals (Jan 2026) · accessed Oct 2026
  7. Legit.ng: FCCPC denies approving 48 new loan apps (Jun 2026) · accessed Oct 2026
  8. IT Edge News: FCCPC and CBN approve over 430 loan apps in 2026 (Jan 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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