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.
Who qualifies for Spain's child support supplement, the residence and income tests, and the monthly amounts per child set in Ley 19/2021.
Yes, if the family meets the rules. Spain's complemento de ayuda para la infancia (CAPI) is paid under the Ingreso Mínimo Vital law to households with children whose income is below 300% of the IMV thresholds, and the Seguridad Social lists 2026 amounts of €115 a month per child under 3, €80.50 from 3 to 6 and €57.50 from 6 to 18. Nationality is not the test: legal and effective residence in Spain, normally for at least a year before you apply, is.
The complemento de ayuda para la infancia, usually shortened to CAPI, is a monthly payment for each child in a household that falls under an income line. It is written into Ley 19/2021, the law that created the Ingreso Mínimo Vital (IMV), and it is managed by the Seguridad Social. Many Nigerian parents assume it only reaches families already on the IMV. The law sets a wider line: article 11.6 opens it to households with minors whose computable income for the previous year is below 300% of the IMV income thresholds in the law's Annex I, and whose net wealth is below 150% of the Annex II limits, subject to an asset test in Annex III. The Seguridad Social describes the same test as income below 300% of the guaranteed amount.
In plain terms, a working family that earns too much for the IMV itself may still fall under the CAPI line. For scale, the Seguridad Social gives the 2026 IMV guaranteed amount as €733.60 a month for a single adult and €953.68 for one adult with one child; the CAPI line sits at three times the guaranteed amount for your household type, measured on the previous year's income. Check the figure for your own household on the Seguridad Social site before you assume you are in or out.
Article 13.2.e) of the law sets base amounts per child by the child's age on 1 January (€100, €70 and €50). Those amounts are uprated, and the Seguridad Social's IMV page gives the figures for 2026:
| Child's age on 1 January | Base amount in Ley 19/2021 | Monthly amount per child, 2026 (Seguridad Social) |
|---|---|---|
| Under 3 | €100 | €115 |
| 3 to under 6 | €70 | €80.50 |
| 6 to under 18 | €50 | €57.50 |
Worked example (illustrative only): a household in Madrid with a two-year-old and a seven-year-old that meets the income and wealth tests would receive €115 + €57.50 = €172.50 a month at 2026 amounts, or €2,070 over a full year. If the younger child turns three before the next 1 January, that child's amount moves to the 3-to-6 band (€80.50 at 2026 amounts), and the household total becomes €138 a month.
One limit to know: the Seguridad Social says the CAPI cannot be combined with the older asignación económica por hijo o menor a cargo for a child without a disability (or with a disability below 33%). If you already receive that allowance, ask which one applies to you.
Nigerian parents most often fall at the residence step, not the income step. Article 10.1.a) requires the applicant to have legal and effective residence in Spain, held continuously and without interruption for at least the year immediately before the application date. Legal means a valid residence status (for most Nigerians, a TIE-backed permit); effective means you actually live here, which the empadronamiento helps show.
The one-year rule does not apply to children who join the household by birth, adoption, family reunification, guardianship with a view to adoption or permanent foster care. It is also lifted for victims of human trafficking and sexual exploitation and for women who are victims of gender violence. A newborn therefore does not need a year of residence in their own right, but the adult applying still needs to meet the rule.
The test is on the household's computable income and wealth, not only Spanish wages, and it uses the previous year. Rent from a flat in Lagos, interest on naira savings or dividends from Nigerian shares may be part of that picture, and assets such as land at home may matter for the wealth test. The law's annexes define what counts; if you hold income or property in Nigeria, ask before you apply rather than leave it out. An application that turns out to be wrong can mean repaying what was paid.
Money you send home is a separate question: the law's tests look at the household's income and wealth, and nothing we read treats support paid to parents in Nigeria as a deduction. If the family is close to the line, have a gestor or a social worker at your local servicios sociales look at the figures with you.
Pryme does not handle Spanish benefits. Where it helps is the family budget across two countries: a Personal Account holds euros and naira side by side, and Swap shows the rate and the fee before you approve a conversion. Parents who also support relatives at home can read our guide to monthly support for parents in Nigeria, or see how the multicurrency account works.
Related reading: the Ingreso Mínimo Vital for non-EU residents and registering a child born in Spain as a Nigerian citizen.
Not necessarily. Ley 19/2021 sets the CAPI income line at 300% of the IMV thresholds, so some households that do not qualify for the IMV itself can still qualify for the child supplement.
The Seguridad Social lists €115 a month for a child under 3, €80.50 from 3 to 6 and €57.50 from 6 to 18, by age on 1 January. The law's base amounts are €100, €70 and €50.
Yes. The rule is legal and effective residence in Spain, normally continuous for at least a year before applying, not Spanish or EU nationality.
No. The one-year rule does not apply to children who join the household by birth, adoption, family reunification or permanent foster care.
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.
How Spanish banks judge a newcomer with no record, why your Nigerian history does not travel, and the steps that build a Spanish profile.
Spain has no single credit score. How the Banco de España's CIRBE and private files like ASNEF work, and how a newcomer builds a record.
Registering on the padró with the Ajuntament de Barcelona: booking, proof of address if you rent a room, and the two-year renewal for non-EU residents.
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