Pryme
Sign up
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

Scroll for more
Home · The Ledger · Invest and save at home
United States

Diaspora mortgage from a Nigerian bank for US residents

The FMBN NHF Diaspora Mortgage, its income tiers in dollars, the documents asked for, and what to ask any other Nigerian lender before you apply.

PE
Pryme editorialDiaspora desk, US · 24 Oct 2026 · 4 min read
The short answer

The clearest published route for US-based Nigerians is the FMBN NHF Diaspora Mortgage, launched on 7 August 2026: up to ₦100 million subject to affordability, at 9% a year, over up to 10 years, with loans and repayments in naira. NiDCOM's terms require NiDCOM verification, at least 12 months of NHF contributions, a 10% equity contribution, and documents including three months' payslips, six months' bank statements and a credit report. Commercial banks set their own terms, so ask for them in writing.

Nigerians in the US often ask whether they can borrow in Nigeria against a US salary to buy a home there. A few routes exist, but published, checkable terms are rare. This article starts with the one scheme whose terms are public and then sets out how to question any other lender.

The FMBN NHF Diaspora Mortgage

The Federal Mortgage Bank of Nigeria announced the official launch of its diaspora mortgage product in London on Friday 7 August 2026. Its announcement gives a maximum of ₦100 million, subject to affordability, at 9% a year, over a maximum of 10 years, with KYC completed digitally. It refers to "Nigerians living abroad" without naming countries; the terms below do not exclude US residents, but confirm eligibility before you start contributing.

Eligibility and tiers (NiDCOM terms, accessed October 2026)

TierMonthly incomeMonthly NHF contributionMinimum contribution periodMaximum loan
BasicUnder $1,000$10024 months₦50 million
Classic$1,000 to $2,000$15018 months₦75 million
PremiumOver $2,000$20012 months₦100 million

Other conditions on the same page: you must be verified by NiDCOM, registered with the National Housing Fund for at least 12 months with consistent remittances, a first-time NHF loan beneficiary, and have verifiable income (a spouse's income can count toward affordability). The equity contribution is 10%. The 9% rate is split 6% to the bank and 3% to the primary mortgage bank, including 1% for insurance; insurance is 1% of the loan and there is a 0.75% management fee. The proposed retirement age is 70, which can cap the tenor for older applicants. Loans and repayments are in naira; contributions are in dollars and converted to naira at refund. Making the contributions from abroad is covered in NHF contributions from the US.

Documents asked for

  • payslips for the last three months;
  • bank statements for the last six months;
  • an employer letter confirming your employment contract (self-employed: business registration in your country of residence);
  • a satisfactory credit bureau report;
  • evidence of a temporary or permanent residence permit in your country of residence;
  • passport data page and photo;
  • NiDCOM registration confirmation.

How lenders read the US documents is explained in what Nigerian lenders check on US income.

Worked example: tier and equity

Example only, using the NiDCOM figures. You earn $4,500 a month, which puts you in the Premium tier: $200 a month in NHF contributions for at least 12 months, $2,400 in total. You want a ₦60,000,000 house. A 10% equity contribution is ₦6,000,000 and the loan would be ₦54,000,000, within the ₦100 million cap if affordability allows. The 0.75% management fee on ₦54,000,000 is ₦405,000 and the 1% insurance is ₦540,000. Whether ₦54,000,000 is affordable at 9% over 10 years is the lender's calculation, not ours; ask for the repayment schedule in writing.

Commercial banks and primary mortgage banks

Some Nigerian commercial banks and primary mortgage banks advertise products for Nigerians abroad, but we could not confirm a current, published list of lenders that accept US income in October 2026. The Nigeria Mortgage Refinance Company says its Uniform Underwriting Standards are "currently operational" for four sectors, one of them Diaspora Nigerians, and are used by all NMRC member mortgage lending institutions; the page does not publish the ratios. The CBN list of primary mortgage banks is in the Nigeria library: primary mortgage banks in Nigeria.

Before applying to any lender, ask in writing:

  1. Do you lend to borrowers resident in the US, and which documents do you accept as proof of income and status?
  2. Is the loan in naira, dollars or another currency, and is the rate fixed or variable?
  3. What equity, fees, insurance and legal costs apply, as amounts?
  4. Must the property have a perfected title (C of O and Governor's consent) before drawdown?
  5. How are repayments collected from abroad, and what happens if a payment is late?

Before you start contributing

Because the scheme requires 12 to 24 months of contributions before you qualify, the decision to apply is really made a year or two before the loan. Check three things first: that your income will still fall in the tier you plan for, that the 10% equity will be ready in naira when you need it, and that the house you have in mind has a title a lender will accept. A property without a perfected title can hold up a purchase at drawdown, so start the title checks early; C of O and Governor's consent for a US buyer explains what to ask for.

Currency risk

A naira loan repaid from dollar income moves with the exchange rate. If the naira weakens, each instalment costs fewer dollars; if it strengthens, more. Holding a naira buffer for several instalments reduces the risk of a missed payment when you cannot move money quickly; see holding naira for a Nigerian mortgage.

Where Pryme fits

A Pryme Personal Account holds dollars and naira with local account details for each, so you can keep repayments ready in naira and convert with Swap when you choose. The app shows the rate and the fee before you approve. Naira deposits are held by a licensed Nigerian microfinance bank, regulated by the CBN and insured by the NDIC up to the applicable limit.

Questions people ask

Can I get a mortgage in Nigeria while living in the US?

Yes, potentially. The FMBN NHF Diaspora Mortgage is open to Nigerians abroad verified by NiDCOM who have contributed to the NHF for at least 12 months. Commercial lenders set their own terms.

What is the FMBN diaspora mortgage interest rate?

9% a year, over up to 10 years, as announced on 8 August 2026 and stated in NiDCOM's terms. The loan is in naira, up to ₦100 million subject to affordability.

How much must I contribute to NHF from the US?

NiDCOM's terms set $100, $150 or $200 a month depending on income tier, for 24, 18 or 12 months respectively before you qualify.

Is the diaspora mortgage repaid in dollars?

No. NiDCOM's terms say loans and repayments are in naira, while contributions are made in dollars and converted to naira at refund.

Sources

  1. FMBN: Official launch of diaspora mortgage product (8 Aug 2026) · accessed Oct 2026
  2. NiDCOM: NHF Diaspora Mortgage terms and conditions · accessed Oct 2026
  3. NMRC: Standardization, Uniform Underwriting Standards · 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.

More on Invest and save at home

United States

Dollar-cost averaging into Nigerian assets from the US

Investing a fixed sum each month into Nigerian assets spreads your exchange-rate risk over time. How it works, a worked example, and its limits.

PEPryme editorial · Diaspora desk, US24 Oct 2026 · 4 min
United States

Dollar Eurobond funds in Nigeria for US residents: PFIC risk

Why a Nigerian dollar or Eurobond mutual fund is likely to be a PFIC for a US taxpayer, what the default tax costs, and the choices.

PEPryme editorial · Diaspora desk, New York24 Oct 2026 · 3 min
United States

Escrow for a Nigerian property bought from the US

How escrow can protect a US-based buyer of Nigerian property, who can hold the money, what release conditions to write in, and what escrow cannot fix.

PEPryme editorial · Diaspora desk, Houston24 Oct 2026 · 4 min