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

Credit scores in Nigeria: how the credit bureaus work

Who holds your credit record in Nigeria, what goes into it, how to get your free report each year, how to dispute an error and how to build a better score.

PE
Pryme editorialCredit · 16 Oct 2026 · 5 min read

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

The short answer

Nigeria has three private credit bureaus licensed by the Central Bank of Nigeria: CRC Credit Bureau, FirstCentral Credit Bureau and CreditRegistry. Lenders send them your repayment history, linked to your BVN, and the bureaus turn it into a credit report and score that other lenders check. Under the Credit Reporting Act 2017 you are entitled to one free report a year from each bureau, and a bureau must resolve a dispute within ten working days.

Every time you borrow from a bank, microfinance bank or a lender that shares data, a line is added to a file you may never have seen. That file decides how much you are offered next time and at what price. This article explains who keeps it, what it contains and how to check and improve it. It is part of our guide to everyday credit in Nigeria.

Who keeps your credit record

There are two layers. The CBN runs the Credit Risk Management System (CRMS), a register of credit facilities that banks and, since 2021, microfinance banks and other regulated lenders must report to, tagged to the borrower's BVN. Alongside it, private credit bureaus licensed by the CBN collect repayment data from lenders and sell reports and scores. Under the Credit Reporting Act 2017, only CBN-licensed entities may operate as credit bureaus.

BureauWebsiteNotes
CRC Credit Bureaucrccreditbureau.comShows six years of history on a report; keeps ten years as the CBN requires
FirstCentral Credit Bureaufirstcentralcreditbureau.comConsumer reports available on request
CreditRegistrycreditregistry.ngOffers an online route to order a report

Each bureau has data only from lenders that report to it, so your three files may differ. A loan from one lender may appear at one bureau and not at another. That is why it is worth checking all three. A lender, in turn, may check one, two or all of them before it makes you an offer.

What is in your report, and what drives the score

  • Identity: name, date of birth, BVN, addresses and phone numbers held by lenders.
  • Accounts: each loan or credit line, the lender, the amount, the date opened and the current balance.
  • Repayment history: whether each payment was on time, late or missed, month by month.
  • Defaults and write-offs: loans the lender has classified as non-performing.
  • Enquiries: lenders that have checked your file, which can show you are applying in many places.

Each bureau has its own scoring model and scale, so a score from one is not directly comparable with another. What they share is the inputs. Repayment history weighs most. After that come how much you owe against your limits, how long your accounts have been open, and how many new applications you have made recently.

Why it matters: an example

Two people ask the same lender for ₦150,000 for three months. Chidi has two earlier loans on file, both repaid on time. Bola has one loan that ran 60 days late and three applications to other lenders in the past fortnight. The lender, an illustration here, prices Chidi at 30% a year and Bola at 60%. Held for the full three months, Chidi pays about ₦11,100 in interest and Bola about ₦22,200, or the lender declines Bola altogether. Same income, same amount, double the price, because of what sits in two files.

How to get your free report

The Credit Reporting Act gives you the right to one free credit report a year. Further copies, or more detailed reports, usually carry a fee. The process differs by bureau, but generally:

  1. Go to the bureau's official website and find the consumer or individual report option.
  2. Provide your details, including your BVN, and verify your identity.
  3. Request the report, or download it where the bureau offers instant access.
  4. Read every account line. Check that each loan is yours and that the status matches your records.
  5. Repeat with the other two bureaus. Spreading the three free reports across the year lets you check every few months.

CRC recommends checking your report at least once a year and before you apply for a significant loan.

How to dispute an error

Errors happen: a loan you repaid shown as open, a facility that is not yours, a payment marked late that was on time. To fix one:

  1. Gather proof: repayment receipts, a closure letter from the lender, bank statements.
  2. Raise the dispute with the bureau, in writing or through its dispute channel, with your proof attached. Keep copies of everything you send, with the date.
  3. Write to the lender too. The bureau will check with the lender that supplied the data.
  4. Under the Credit Reporting Act, the bureau must investigate and resolve the dispute within ten working days.
  5. If it is not resolved, you can escalate to the CBN or go to court.

You cannot remove accurate negative information by disputing it. A late payment that happened stays on file, usually for at least six years. What you can do is add positive history on top of it.

Building a better record

Lenders increasingly want to see that you have used credit well, not that you have avoided it. A thin file can be as limiting as a bad one. The habits that help:

  • Repay on time, every time. Set repayment for the day income arrives.
  • Use part of your limits, not all of them.
  • Keep a few accounts open and in good standing over years rather than opening many new ones.
  • Avoid applying to several lenders in the same week; each check is recorded.
  • Clear defaults first, then let time and good history work.

More lenders now report. In 2025 the lending software provider Lendsqr began reporting its lenders' data to bureaus at no cost to them, which brings small digital lenders' borrowers into the system too. Our article on growing your credit limit covers how lenders use this history, and our guide to loan app harassment explains how to separate a fair report of a debt from unlawful pressure.

Where Pryme fits

Pryme's credit features, Spaces credit and Salary Advance, are Nigeria-only. Spaces credit is lent by Solid Allianze Microfinance Bank Ltd, a CBN-licensed microfinance bank, and can be spent only with merchants in Pryme's Spaces ecosystem. A Spaces limit is offered based on how you run your Pryme account, and you see and accept the full agreement before anything is drawn. 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. Whichever lender you use, ask before you borrow whether it reports repayments to a credit bureau, and to which ones, so you know where to look when you request your free reports, and read what the agreement says happens if a payment is missed.

For how behaviour-based limits like Spaces are set, see the Spaces credit guide.

Questions people ask

How can I check my credit score in Nigeria for free?

Request your free annual report from each of the three CBN-licensed bureaus: CRC Credit Bureau, FirstCentral Credit Bureau and CreditRegistry. You will need your BVN and to verify your identity.

How long does a bad credit record stay in Nigeria?

Credit data stays on record for at least six years, and bureaus can keep it for up to ten. CRC, for example, shows six years on a report and keeps ten years of history as the CBN requires.

Do loan apps report to credit bureaus?

Many do, and more are joining as reporting becomes cheaper. CBN-licensed lenders, including microfinance banks, must report facilities to the CBN's Credit Risk Management System. Ask a lender before you borrow whether it reports.

What is a good credit score in Nigeria?

Each bureau uses its own model and scale, so there is no single national score. Check what range your bureau uses, and focus on what drives every model: on-time repayment, moderate use of limits and few recent applications.

Can I remove a loan from my credit report?

Only if it is wrong. Dispute errors with the bureau and the lender, and the bureau must resolve it within ten working days. Accurate late payments stay on file.

Sources

  1. Lendsqr: Everything to know about the Nigeria Credit Reporting Act · accessed Oct 2026
  2. CRC Credit Bureau: Frequently asked questions · accessed Oct 2026
  3. Techloy: How to check your credit score in Nigeria · accessed Oct 2026
  4. TechCabal: Lendsqr makes credit bureau reporting free for lenders (Oct 2025) · accessed Oct 2026
  5. CBN circular FPRD/DIR/PUB/CIR/01/002: enrolment of DFIs, MFBs, PMBs and FCs on the CRMS (Apr 2021) · 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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