AI agents for business finance: what they can and can't do
What AI agents can do in bookkeeping, close, collections and compliance today, where a person must stay in charge, and how to judge a product.
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.













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.




Evayour assistant
DanielChief of Staff
BenFinance
BruceCareYour 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.
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.
₦100,000 from day one · agreement v2.1 · 12 Aug · View
Eva waits for your rate and asks before she moves anything.
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.
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 numberTo this account, from any bank app. We watch it, and the page updates itself.
₦26,767.50 from GTBank · John D., matched to order ORD‑1042.
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.
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.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.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.Goes back to the buyers who went quiet, with the receipt already attached.
Recovered ₦410,000 across three overdue invoices.Replies, follows up on what they asked for and hands you only the ones that need you.
Resolved 4 conversations — two deliveries, one refund.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.
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.
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.
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.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.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.Goes back to the buyers who went quiet, with the invoice and the receipt already attached.
Recovered $12,400 across three overdue invoices.Replies, follows up on what they asked for and hands you only the ones that need you.
Resolved 4 conversations — two deliveries, one refund.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.
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.
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.
Solid Allianze acquired — an existing bank with an existing licence. The perimeter stopped being someone else’s to draw.
More than one currency on one balance, and the rebrand to Pryme. A Nigerian business could hold dollars without holding a second institution.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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
What AI agents can do in bookkeeping, close, collections and compliance today, where a person must stay in charge, and how to judge a product.
How multi-currency business accounts work: local details vs SWIFT, payment rails, the real cost of FX, safeguarding vs deposit protection, and hedging.
How UK, US, Canadian and European firms pay Nigerian suppliers and get paid by Nigerian clients: FX, Form A and M, tax, compliance and payout routes.
What it really costs to send money to Nigeria from the UK, US, Canada and Europe: fees, exchange-rate margins, CBN naira rules, BVN, speed and scams.
What AI can and cannot do in day-to-day bookkeeping, how much time it saves on real numbers, and which jobs must stay with you or your accountant.
Child Care Subsidy depends on your visa. Who meets the residence rules, which temporary visas count, and the other conditions Services Australia sets.
Only if you or your partner meet the residence rules: Australian citizenship, a permanent visa, a Special Category visa, or certain temporary visas of the partner provisional or temporary protection type. Most other temporary visa holders do not qualify, though there are narrow exceptions. You must also care for the child at least two nights a fortnight and be liable for fees at an approved service.
Childcare is one of the largest costs for a young Nigerian family in Australia, and the Child Care Subsidy (CCS) can cut it sharply. Whether you get it depends first on your visa. This guide sets out the rules as Services Australia publishes them, so you can see quickly whether your family is in or out, and what to do in each case. It is information, not advice; Services Australia makes the decision on your claim.
Services Australia says that on the day you claim, you or your partner must be living in Australia and hold one of the following:
Note the words "you or your partner". If one parent is a permanent resident or citizen and the other is on a temporary visa, the family can still meet the rule through the eligible parent.
Services Australia also lists other ways to meet the residence rules: holders of a subclass 403 visa in the Pacific Australia Labour Mobility family accompaniment initiative, overseas students receiving Australian Government financial assistance to study here, people experiencing hardship, and cases where special circumstances apply. You must keep meeting the residence rules to keep getting the subsidy.
| Your situation | Meets residence rules? | Why |
|---|---|---|
| One or both parents hold permanent residence | Yes | A permanent visa is on the list |
| A parent became an Australian citizen | Yes | Citizenship is on the list |
| On the temporary stage of a partner visa | Likely yes | Partner provisional type visas are listed; confirm your subclass with Services Australia |
| Both parents on skilled work, graduate or other temporary work visas | Generally no | These are not on the list unless an exception applies |
| International student with a family, self-funded | Generally no | The student exception is for those receiving Australian Government financial assistance |
| Asylum or protection visa holder | Depends | Temporary protection type visas are listed |
Families in the "generally no" rows pay full fees. Some employers and services offer their own discounts, and once a parent is granted permanent residence the family can claim from that point, subject to the other conditions.
Meeting the residence rules is necessary but not enough. Services Australia's eligibility page also says:
How much you receive depends on further rules, including family income and the hours of subsidised care, which Services Australia sets out on its CCS pages. Use its estimator rather than relying on figures quoted on forums, because the settings change.
Families who already qualify for CCS may get extra support in particular situations. Services Australia describes Additional Child Care Subsidy for grandparents caring for grandchildren, for people moving to work from certain income support payments, for families in temporary financial hardship, and for child wellbeing. These sit on top of the main CCS conditions; they do not replace the residence rules.
If your family does not qualify yet, plan for full fees and keep your visa timeline in view. The day a parent is granted permanent residence, you can claim, so it is worth having myGov and Centrelink set up beforehand.
If you recently became a permanent resident, also read about the waiting periods for newly arrived residents, which apply to some payments, and our guide to Family Tax Benefit, which has its own residence rules.
Childcare is paid in dollars in Australia, but many families also cover school fees or a carer at home in Nigeria. A multicurrency account lets you keep both currencies in one place and send to Nigeria when you choose; the app shows the rate and the fee before you approve.
Generally no. Temporary skilled work visas are not among the visas Services Australia lists for the residence rules, unless your partner holds an eligible visa or citizenship, or a listed exception applies.
Only overseas students receiving Australian Government financial assistance to study are listed as meeting the residence rules. Self-funded students generally do not qualify.
Yes, the rule is that you or your partner must meet the residence rules. The eligible parent must also meet the other conditions, such as being liable for the fees.
Services Australia's CCS residence page does not mention one. Some other payments do have a newly arrived resident's waiting period, so check each payment separately.
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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How a Nigerian temporary resident claims super after leaving Australia through DASP: who qualifies, tax withheld on each part, steps and timing traps.
Got PR with children? Who meets the Family Tax Benefit residence rules, the one-year wait for Part A, why Part B has none, and how to claim.
You can add the other type later — many of our customers hold both.
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