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

Economic Development Tax Incentive: how the 5% credit works

Nigeria's replacement for pioneer status: the 5% yearly tax credit on qualifying capital spending, thresholds, the three-agency process and fees.

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

From 1 January 2026 the Nigeria Tax Act 2025 replaced the pioneer status tax holiday with the Economic Development Tax Incentive (EDTI). Companies in priority sectors get a tax credit of 5% a year, for five years, on qualifying capital expenditure, so up to 25% in total, extendable by five more years if all profits are reinvested. Sector thresholds start at ₦250 million. NIPC issues the certificate; NIPC and NRS fees are each 0.1% of the spending, capped at ₦5 million.

Last updated: October 2026

In force
1 January 2026 (Nigeria Tax Act 2025, Chapter 8 Part II, Tenth Schedule)
Replaces
Pioneer Status Incentive under IDITRA
Credit
5% of qualifying capital expenditure a year for 5 years
Extension
5 more years if 100% of profits reinvested in the same products
Thresholds
From ₦250m; top end reported as ₦200bn or ₦500bn
Agencies
NIPC (certificate), IID (production day), NRS (credit)
Fees
0.1% of QCE each to NIPC and NRS, capped at ₦5m each

Old and new regimes compared

FeaturePioneer Status Incentive (to 2025)EDTI (from 1 Jan 2026)
LawIndustrial Development (Income Tax Relief) ActNigeria Tax Act 2025
BenefitIncome tax exemption for 3 to 5 yearsTax credit of 5% a year of qualifying capital expenditure
Linked toApproval of the company and productActual capital spent and certified
Length3 years, plus up to 25 years, plus 5 if profits reinvested; unused credit carried forward 5 years
Granting bodyNIPCNIPC, with IID and NRS certification
TrackingPaper certificatesCredits tracked on the NRS Rev360 platform

Key dates

DateEventSource
26 Jun 2025Nigeria Tax Act 2025 signedEY, 2025
10 Nov 2025Federal Government stops accepting new pioneer status applicationsPertama Partners
1 Jan 2026Nigeria Tax Act and EDTI take effectEY, 4 May 2026
17 Apr 2026Stakeholder event in Lagos clarifies the transitionEY, 4 May 2026
30 Apr 2026NRS Rev360 platform launched (EY's note is inconsistent on timing)EY, 4 May 2026
21 May 2026149 active pioneer companies reported to keep reliefs during transitionBusinessDay

Who can apply

  • Companies incorporated in Nigeria, companies granted exemption from incorporation, and promoters of companies not yet incorporated.
  • The activity must be in a priority sector or product in the Tenth Schedule, which the President may amend.
  • Qualifying capital expenditure incurred on or before the production day must meet the sector threshold.

Sectors named in professional summaries include manufacturing across many products, crude oil and gas refining, electricity and gas supply, renewable energy, mining and quarrying, waste management, music and motion picture production, business process outsourcing, agro-processing and technology services. Check the Tenth Schedule itself for your product.

The three-step process

StepAgencyWhenOutcomeFee
1. EDTI certificateNIPC; Minister and President approveBefore production; no retroactive certificatesCertificate within 30 days of approval for existing companies; new companies incorporate within 3 months0.1% of QCE, capped at ₦5m, non-refundable
2. Production dayIndustrial Inspectorate Department (Federal Ministry of Industry, Trade and Investment)Within one month of reaching production dayProduction Day Certificate after site inspectionNot stated
3. QCE certification and creditNigeria Revenue ServiceWithin one month after production day certificationQCE certificate within 14 days of inspection; 5% credit grantedMay charge 0.1% of QCE, capped at ₦5m

Worked example

Example only. A food processor in a listed sector, with a threshold assumed met, spends ₦1,000,000,000 on qualifying plant before its production day. Its credit is 5% × ₦1bn = ₦50,000,000 a year for five years, or ₦250,000,000 in total, set against company income tax. If its tax bill in a year is only ₦30,000,000, the unused ₦20,000,000 can be carried forward, for up to five years after the priority period. NIPC's fee would be 0.1% of ₦1bn, or ₦1,000,000; the ₦5,000,000 cap applies only once QCE exceeds ₦5bn.

Credits cannot be used against any top-up tax under the 15% minimum effective tax rate, which applies to large companies and multinational group members. See company income tax rates for 2026.

Before you apply: a checklist

  • Confirm your product appears in the Tenth Schedule and note its threshold.
  • Apply to NIPC before production starts; certificates are not issued retroactively.
  • Keep invoices, contracts and payment evidence for every item of capital spending, since the NRS inspects before certifying.
  • Diary the two one-month deadlines: production day certification, then QCE certification.
  • Budget for both 0.1% fees, each capped at ₦5 million.
  • Plan how you will track credits used and carried forward each year.

What happens to existing pioneer companies

NIPC data reported in May 2026 show 693 pioneer applications from 2017 to the second quarter of 2025: 304 approved, 64 denied and 149 still active, with about ₦8.7 trillion of investment commitments and nearly 59,000 direct jobs. Sources differ on how long reliefs continue: BusinessDay reports up to two more years or the original expiry, whichever comes first; Forvis Mazars reports that reliefs continue for the unexpired period. Existing beneficiaries should get advice on their own certificate.

Small businesses below the thresholds have other reliefs; see tax incentives for small businesses and exporters, small company tax and tax-exempt income under the 2025 Act.

How we compiled this

Process, fees, carry-forward and the extension rule are from Forvis Mazars (19 June 2026). The regime change, effective date and sectors are from EY (4 May 2026). Pioneer statistics and the 149-company transition are from BusinessDay (21 May 2026), quoting NIPC. The cessation date is from Pertama Partners. The worked example is our own arithmetic.

Questions people ask

What replaced pioneer status in Nigeria?

The Economic Development Tax Incentive under the Nigeria Tax Act 2025, from 1 January 2026.

How much is the EDTI tax credit?

5% of qualifying capital expenditure each year for five years, up to 25% in total, with a possible five-year extension.

What is the minimum investment for the EDTI?

Thresholds are set by sector and start at ₦250 million of qualifying capital expenditure.

Who issues the EDTI certificate?

The Nigerian Investment Promotion Commission, with production day certified by the Industrial Inspectorate Department and the credit granted by the NRS.

Sources

  1. Forvis Mazars Nigeria, 'Implementation of Nigeria's Economic Development Tax Incentive (EDTI)', 19 Jun 2026 · accessed Oct 2026
  2. EY Tax News, 'Nigeria introduces Economic Development Incentive under Nigeria Tax Act 2025 to replace Pioneer Status Incentive', 4 May 2026 · accessed Oct 2026
  3. BusinessDay, 'Nigeria retains 149 pioneer firms as new tax incentive system begins', 21 May 2026 · accessed Oct 2026
  4. Pertama Partners, 'Nigeria Economic Development Tax Incentive (EDTI)' (key dates) · accessed Oct 2026
  5. EY Tax News, 'Nigeria Tax Act, 2025 has been signed: highlights', 2025 · 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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