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 · State by state
Data & reference

Doing business in Ogun State: tax, power and wages

Ogun State for business owners: Abeokuta, state tax and Tax ID registration, electricity supply, the ₦77,000 wage and Lagos-border PAYE.

PR
Pryme researchStates desk · 17 Oct 2026 · 6 min read
The short answer

Ogun State's capital is Abeokuta. Personal income tax and PAYE for Ogun residents are paid to the Ogun State Internal Revenue Service, most of the state is in IBEDC's electricity franchise, and the state minimum wage for its workers has been ₦77,000 a month since October 2024.

Ogun wraps around the north of Lagos State, and towns such as Ota, Sango, Agbara, Mowe, Ibafo and Akute are part of greater Lagos in all but name. Many factories and warehouses sit on the Ogun side, and many Lagos workers live there. The tax consequence is the same as on any state boundary: PAYE goes where the employee lives.

Ogun State at a glance (as of October 2026)

ItemOgun StateSource
CapitalAbeokutaPublic record
State tax authorityOgun State Internal Revenue ServiceNigeria Tax Administration Act 2025, s.87 (state services)
WebsiteNot verified for this page; confirm through the state government's official channels before payingGap
Electricity distributor (DisCo)Ibadan Electricity Distribution Company (IBEDC) for most of the state; some communities on the Lagos boundary may be served by a Lagos DisCoFranchise areas from privatisation; DisCo site not reachable for this page
Electricity regulationNot among the states BusinessDay reported as transferred in 2024; check for later changesBusinessDay
Minimum wage for state workers₦77,000 a month, effective October 2024Nairametrics, May 2026; Vanguard, Nov 2024
National minimum wage₦70,000 a month (signed July 2024)Nairametrics, May 2026
Pryme SpacesNot available; Spaces cities are Lagos, Abuja and Port Harcourt. Pryme accounts work nationwide.Pryme

Taxes in Ogun State: who collects what

For a business in Abeokuta, Ijebu-Ode, Sagamu, Ota or Sango, the state tier is the Ogun State Internal Revenue Service: personal income tax for residents, PAYE on staff living in Ogun, withholding tax on payments to individuals and state levies. Company income tax and VAT are federal.

TierCharges a small business commonly meetsCollected by
FederalCompany income tax for limited companies, VAT where registered, withholding tax on payments to companiesNigeria Revenue Service (NRS, formerly FIRS)
StatePersonal income tax of residents (including sole traders and partners), PAYE on staff who live in the state, withholding tax on payments to individuals, state leviesOgun State Internal Revenue Service
Local governmentShop and premises charges, tenement rates, market and motor park leviesYour LGA council (Ado-Odo/Ota, Obafemi Owode, Abeokuta South and others)

The Lagos boundary is where most mistakes happen. A Lagos company with staff living in Mowe, Ibafo or Sango remits their PAYE to Ogun, not to LIRS. An Ota factory with staff commuting from Ikotun in Lagos remits their PAYE to LIRS. Payroll should hold each employee's current home state; see our guide on registering with LIRS for the Lagos side.

How to register for state taxes in Ogun State

  1. Register the business with CAC as a business name or a company. Pryme's guide to registering a business name with CAC covers the steps.
  2. Get your Tax ID. Since 1 January 2026 the national Tax ID portal, run by the Joint Revenue Board and the Nigeria Revenue Service at taxid.jrb.gov.ng or taxid.nrs.gov.ng, issues a 13-digit Tax ID. Individuals use their NIN; registered businesses use their CAC number. See getting a Tax ID for your business.
  3. Register with the Ogun State Internal Revenue Service. Section 4 of the Nigeria Tax Administration Act 2025 requires every taxable person to register with the relevant tax authority. For a sole trader or partner living in Ogun, and for any employer with staff living there, that authority is the state service.
  4. Deduct and remit PAYE monthly for each employee, to the state where that employee lives. Section 28 of the Act requires monthly returns from anyone obliged to deduct tax, on the timetable set by regulation, so ask the Ogun State Internal Revenue Service for its remittance date in writing.
  5. File the employer's annual return by 31 January for all employees, under section 14(1) of the Act.
  6. File your own annual return if you are a sole trader or partner (section 13), and keep every payment reference and receipt.

Worked example (illustrative figures). A packaging firm in Ota has 12 staff earning ₦80,000 to ₦250,000 a month. Nine live in Ogun and three in Lagos. Each month payroll deducts PAYE under the current bands, sends nine people's tax to the Ogun service and three to LIRS with separate schedules, and by 31 January files an employer's annual return with each. If one staff member moves from Ikotun to Sango, their PAYE moves to Ogun from the following month. See PAYE tax bands for 2026 for the calculation.

Electricity: IBEDC and the Lagos boundary

At privatisation, most of Ogun State was placed in the franchise of Ibadan Electricity Distribution Company (IBEDC), which also covers Oyo, Osun and Kwara. We could not reach IBEDC's or NERC's site to re-check the boundary for this page, and some communities near the Lagos boundary are supplied by a Lagos DisCo, so read the company name on your bill or meter card rather than assuming.

BusinessDay's late-2024 report on states taking over electricity regulation named Oyo, Imo, Edo, Ondo, Enugu, Ekiti, Kogi and Lagos; Ogun was not among them. If Ogun completes a transfer under the Electricity Act 2023, a state commission would take over tariffs and complaints within the state.

If a bill, meter or supply problem is not fixed, the route is the same everywhere: complain in writing to the DisCo's customer complaints unit and keep the reference; if you are unhappy with the answer, appeal to the NERC Forum office for your area, which hears appeals from DisCo decisions; NERC itself is the final step. Our guide on how to complain about your DisCo and escalate to NERC sets out timings and what to include. NERC's bands A to E set the minimum daily supply hours each feeder should get and the tariff that goes with them.

Wages, local agencies and the economy

Vanguard reported that Governor Dapo Abiodun approved ₦77,000 effective October 2024, and Nairametrics' May 2026 survey lists the same figure. Private employers must pay at least the national minimum of ₦70,000 a month to covered workers; many in Ota and Sango compete for the same workers as Lagos firms.

We could not verify current names and websites of Ogun's signage, environmental and commerce agencies for this page. Before you put up a sign or open a factory, ask the state revenue service and your LGA council in writing which permits apply and where to pay.

Ogun's economy combines manufacturing along the Lagos corridor with trade and agriculture across the state. For a small business, the practical point is that the Lagos market is close, but your tax and permit authorities are Ogun's.

Where Pryme fits

Pryme accounts work nationwide. A Pryme Business Account can be opened from any state, or from abroad, and keeps business money apart from personal money, which makes PAYE schedules and levy receipts easier to produce when the Ogun service asks. The Compliance agent can prepare filing reminders for a person to approve. Spaces, Pryme's merchant network, currently operates in Lagos, Abuja and Port Harcourt, so it is not yet available to businesses in Ogun. Neighbouring guides: doing business in Oyo State.

Questions people ask

What is the capital of Ogun State?

Abeokuta.

Do I pay PAYE to Lagos or Ogun if my staff live in Mowe?

Mowe is in Ogun State, so PAYE for staff living there generally goes to the Ogun State Internal Revenue Service, even if your business is in Lagos.

What is the minimum wage in Ogun State?

₦77,000 a month for state workers, effective October 2024. Private employers must pay at least the national ₦70,000.

Which electricity company serves Ogun State?

Most of Ogun is in IBEDC's franchise. Some communities near Lagos are supplied by a Lagos DisCo, so check the name on your bill.

Sources

  1. Minimum wage 2026: what every state in Nigeria pays (Nairametrics, 1 May 2026) · accessed Oct 2026
  2. Minimum wage: states in panic mode over NLC Dec 1 strike notice (Vanguard, 13 Nov 2024) · accessed Oct 2026
  3. Nigeria Tax Administration Act, 2025 (full text) · accessed Oct 2026
  4. FCT-IRS: Nigerian Tax ID portal goes live · accessed Oct 2026
  5. What's next for DisCos as Lagos secures regulatory autonomy (BusinessDay) · accessed Oct 2026
  6. NERC: Complaints and redress procedure · 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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Oyo State for business owners: Ibadan, state tax and Tax ID steps, IBEDC and state power regulation, and the ₦80,000 state wage.

PRPryme research · States desk17 Oct 2026 · 6 min