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 · SME funding
Data & reference

DBN loans for SMEs: on-lending terms and lending figures

How Development Bank of Nigeria money reaches small businesses through 84 lenders, the MSME limits it uses, and its lending figures to 2025.

PR
Pryme researchFunding desk · 17 Oct 2026 · 4 min read
The short answer

The Development Bank of Nigeria (DBN) does not lend to businesses directly. It lends wholesale to participating financial institutions (PFIs), which lend to MSMEs on tenors of up to 10 years with up to 18 months' moratorium. Its long-term scheme covers firms with fewer than 250 staff, assets under ₦1.125 billion and turnover under ₦950 million, with a ₦200 million maximum loan. DBN reported over ₦1 trillion lent to more than 1 million end-borrowers through 84 PFIs by June 2026.

Last updated: October 2026

Lends to
Banks, MFBs, leasing firms and other PFIs, not directly to MSMEs
Maximum tenor
Up to 10 years (wholesale); 7 years (Finance to Finance scheme)
Moratorium
Up to 18 months (wholesale)
MSME limit
Under 250 staff, assets under ₦1.125bn, turnover under ₦950m
Maximum loan per MSME
₦200 million (Long Term Finance Scheme)
Cumulative lending
Over ₦1 trillion to 1 million+ end-borrowers (DBN, Jun 2026)
Partner lenders
84 PFIs (DBN, Jun 2026)

How DBN money reaches a small business

DBN was founded in 2015 with US$1.5 billion of start-up capital from the Federal Government with the World Bank, the African Development Bank, the European Investment Bank and AFD. It operates as a wholesale lender. The practical result for a business owner is simple: you apply to a bank or microfinance bank that is a DBN partner, and that lender decides, prices and manages your loan.

  1. DBN lends long-term money to a participating financial institution (PFI).
  2. The PFI assesses your business, sets the amount, rate and security, and lends to you.
  3. DBN can share part of the credit risk with the PFI through a partial credit guarantee.
  4. You repay the PFI; the PFI repays DBN.

DBN schemes and terms (as of October 2026)

SchemeWho borrows from DBNTenorMoratoriumNotes
Wholesale lendingCommercial banks, MFBs, retail DFIs, leasing companiesUp to 10 yearsUp to 18 monthsPricing referenced to market rates
Finance to Finance On-lendingMFBs, microfinance institutions, financial NGOs, cooperatives, fintechs, other non-bank lendersUp to 7 yearsNot statedLoan size set by the PFI; must have an active MSME portfolio
Long Term Finance SchemePFIs5 to 10 yearsUp to 7 years on principalAll sectors and zones; startup, growth and expansion
Partial credit risk guaranteesPFIsn/an/aRisk-sharing; run with DBN's guarantee arm
Capacity buildingPFIs and end borrowersn/an/aTechnical assistance and training

Who counts as an MSME under the Long Term Finance Scheme

TestLimit (DBN)
EmployeesFewer than 250
Asset baseBelow ₦1.125 billion
Annual turnoverBelow ₦950 million
Maximum loan size₦200 million

DBN lending figures

DBN gave these figures at a media briefing reported on 5 June 2026. They are cumulative from the start of lending in November 2017 unless marked 2025.

MeasureSince Nov 20172025 only
MSME lendingOver ₦1 trillionOver ₦358 billion
End-borrowers reachedOver 1 millionOver 289,000
Share to women77%81%
Share to youth-led enterprises28%17%
Lending to disadvantaged states₦108bn to 132,000+ MSMEs₦59bn to 63,000+ MSMEs
Credit guaranteesOver ₦512bn for 100,000+ MSMEs (since 2019)₦233bn to 39,000+ businesses
Jobs supportedOver 1.6 millionNot stated
Participating financial institutions84n/a

The 'disadvantaged states' named were Borno, Adamawa, Katsina, Yobe and Zamfara. DBN's next five-year targets include reaching 2 million MSMEs, ₦1 trillion of loans outstanding, ₦500 billion of guarantees, and 40% of loans to women-led and 30% to youth-led businesses. No start date for that phase was given.

What rate will you pay?

DBN does not publish an end-borrower rate, because the PFI sets it. A May 2026 comparison article put DBN-backed loans at about 9% to 13% a year, but cited no DBN source; treat that as indicative only. Ask the lender for the full cost in writing, including fees, and compare on an annual basis; our APR vs flat fee guide explains how.

How to apply

  1. Ask your bank or microfinance bank whether it is a DBN participating financial institution and which DBN-funded product it offers.
  2. Prepare CAC documents, tax ID, 12 months of bank statements, a business plan and recent accounts; see our loan application checklist.
  3. Check your credit report before you apply; see how credit bureaus work.
  4. Request the offer letter and read tenor, moratorium, security and fees before signing.

DBN compared with BOI

The two federal development lenders are often confused. The main difference is who you talk to.

FeatureDBNBOI
Lends to you directly?No, through 84 partner lendersYes
Who sets your rateThe partner lenderBOI, by product
Longest tenor publishedUp to 10 years (to PFIs)Up to 5 years for SME loans; longer for some funds
Sector focusAll sectorsManufacturing, processing, agriculture, services, trading
CollateralSet by the partner lender; can include movable assetsUsually property, guarantees or debentures

BOI details are on our BOI loan products page.

Women-led businesses should also see the AfDB-backed line through DBN in our women's business funding list.

Where Pryme fits

PFIs read your bank statements closely. A Pryme Business Account keeps business inflows in one place, and a verifiable statement generated through Pryme's VerifyDoc.ai partnership lets a lender check it has not been altered. Pryme is not a DBN lender.

How we compiled this

Scheme terms and MSME limits are from DBN's Offerings page, read in October 2026. Lending figures are DBN's own, as reported by BusinessDay on 5 June 2026. Founding details are from DBN's public profile. The indicative rate range is from a May 2026 comparison article and is flagged as unsourced to DBN.

Questions people ask

Can I apply directly to the Development Bank of Nigeria for a loan?

No. DBN lends through participating banks and microfinance banks. You apply to one of them for a DBN-funded loan.

What is the maximum DBN loan for a small business?

Under DBN's Long Term Finance Scheme the maximum loan to an MSME is ₦200 million, for firms under the staff, asset and turnover limits.

What interest rate does a DBN loan charge?

The partner lender sets it. A 2026 comparison suggested 9% to 13% a year, but DBN publishes no end-borrower rate.

How many banks lend DBN funds?

DBN reported 84 participating financial institutions in June 2026.

Sources

  1. Development Bank of Nigeria, 'Offerings' (wholesale lending, on-lending schemes, MSME criteria) · accessed Oct 2026
  2. BusinessDay, 'DBN surpasses N1trn MSME lending, targets 2 million businesses in 5 years', 5 Jun 2026 · accessed Oct 2026
  3. Wikipedia, 'Development Bank of Nigeria' (founding and shareholders) · accessed Oct 2026
  4. African Development Bank, 'African Development Bank approves $61 million package to boost women-led businesses in Nigeria', 8 May 2026 · accessed Oct 2026
  5. KudiCompass, 'DBN vs BOI loan Nigeria: which SME funding route fits your business in 2026', 16 May 2026 · accessed Oct 2026
  6. Lagos Metropolitan, 'Accessing LSETF and other SME loan schemes in 2026', 28 Aug 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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