AI agents for business finance: what they can and can't do
What AI agents can do in bookkeeping, close, collections and compliance today, where a person must stay in charge, and how to judge a product.
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.













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.




Evayour assistant
DanielChief of Staff
BenFinance
BruceCareYour 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.
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.
₦100,000 from day one · agreement v2.1 · 12 Aug · View
Eva waits for your rate and asks before she moves anything.
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.
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 numberTo this account, from any bank app. We watch it, and the page updates itself.
₦26,767.50 from GTBank · John D., matched to order ORD‑1042.
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.
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.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.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.Goes back to the buyers who went quiet, with the receipt already attached.
Recovered ₦410,000 across three overdue invoices.Replies, follows up on what they asked for and hands you only the ones that need you.
Resolved 4 conversations — two deliveries, one refund.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.
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.
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.
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.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.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.Goes back to the buyers who went quiet, with the invoice and the receipt already attached.
Recovered $12,400 across three overdue invoices.Replies, follows up on what they asked for and hands you only the ones that need you.
Resolved 4 conversations — two deliveries, one refund.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.
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.
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.
Solid Allianze acquired — an existing bank with an existing licence. The perimeter stopped being someone else’s to draw.
More than one currency on one balance, and the rebrand to Pryme. A Nigerian business could hold dollars without holding a second institution.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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
What AI agents can do in bookkeeping, close, collections and compliance today, where a person must stay in charge, and how to judge a product.
How multi-currency business accounts work: local details vs SWIFT, payment rails, the real cost of FX, safeguarding vs deposit protection, and hedging.
How UK, US, Canadian and European firms pay Nigerian suppliers and get paid by Nigerian clients: FX, Form A and M, tax, compliance and payout routes.
What it really costs to send money to Nigeria from the UK, US, Canada and Europe: fees, exchange-rate margins, CBN naira rules, BVN, speed and scams.
What AI can and cannot do in day-to-day bookkeeping, how much time it saves on real numbers, and which jobs must stay with you or your accountant.
The NERC charges for meter bypass and tampering, how back-billing works, EEDC's reconnection steps, and your rights if you are accused wrongly.
Under NERC's amended order on unauthorised access, meter tampering and bypass (NERC/2024/148, effective 22 January 2025), a single non-MD residential customer faces an administrative charge of ₦100,000 for a first offence and ₦150,000 for a repeat, plus back-billing for the energy taken and a ₦10,000 reconnection fee. Maximum-demand customers face 450% of their last authorised monthly consumption and a ₦50,000 reconnection fee.
A bypass is any connection that lets electricity reach a building without passing through the meter. Tampering is interfering with the meter itself so it records less than is used. Unauthorised access covers connecting to the network without approval, including reconnecting yourself after a disconnection. All three are covered by the same NERC order, which applies to EEDC customers in states still regulated by NERC.
The figures below are from LawPavilion's summary of NERC's Amended Order on Unauthorised Access, Meter Tampering and Bypass (Order No. NERC/2024/148), which took effect on 22 January 2025 and replaced the 2017 order (NERC/REG/41/2017).
| Customer | Charge | Reconnection fee |
|---|---|---|
| Single non-MD residential, first offence | ₦100,000 | ₦10,000 |
| Single non-MD residential, repeat offence | ₦150,000 | ₦10,000 |
| Maximum demand (MD), first offence | 450% of last authorised recorded monthly consumption | ₦50,000 |
On top of the administrative charge, the customer pays for the energy used without being metered (loss of revenue), back-billed "at the prevailing tariff for the established period of unauthorised access". The summary does not explain how the period or the load is established, so ask EEDC to show its calculation in writing.
Example only. A single-phase residential customer on a Band B feeder is found with a bypass for the first time. EEDC establishes an unauthorised period and estimates 300 kWh was taken. At an assumed rate of ₦61 per kWh, loss of revenue is 300 × ₦61 = ₦18,300, plus 7.5% VAT of ₦1,372.50, giving ₦19,672.50. Add the ₦100,000 charge and the ₦10,000 reconnection fee: ₦129,672.50 in total. The real figure depends on EEDC's assessment and your actual band rate.
LawPavilion's summary says the order requires DisCos to reconnect promptly once a customer complies. If reconnection is delayed beyond 48 hours, the DisCo must credit the customer with energy equal to 100% of daily consumption for each day of delay, and the same applies to unjustified disconnections.
In compounds where several flats share one meter or one service cable, a bypass on the shared line can lead to every occupant being disconnected while the matter is resolved. The order's charges are set per customer account, so the person named on the account receives the bill. If you are a tenant on a landlord's account, ask the landlord for the written assessment and keep your own record of what you have paid towards electricity. If you suspect a neighbour or an unofficial "electrician" of bypassing a shared line, EEDC's whistle-blowing lines exist for reporting illegal activity on the network.
Beyond the charges, a bypass is dangerous: wiring that skips the meter also skips its protection, and a makeshift connection can overheat or expose live conductors. A meter fault that makes you think of bypassing is better reported; EEDC's FAQ says burnt meters should be reported in writing to the district complaint unit. If you have no meter, see how to get a prepaid meter under the MAP scheme.
For the general rules on disconnection notices, see estimated electricity bills: your rights.
Under NERC/2024/148, ₦100,000 for a first offence by a single non-MD residential customer and ₦150,000 for a repeat, plus back-billing and a ₦10,000 reconnection fee.
NERC's order sets ₦10,000 for non-MD customers and ₦50,000 for MD customers. EEDC says to pay it at the district office or its designated bank.
Yes. Reconnection follows payment of the assessed amounts; delay beyond 48 hours after compliance earns energy credits under the order.
Put it in writing to EEDC with your tenancy start date and ask for evidence. If unresolved, escalate to the NERC Forum or your state regulator.
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.
Where an unresolved electricity complaint goes in the south-east: EERC for Enugu State, ASERC for Anambra, NERC Forum offices elsewhere, and the steps.
EEDC's site lists districts in Abia, Anambra, Ebonyi, Enugu and Imo, but Enugu and Anambra now have state-licensed successors. Who serves your town.
The contact numbers EEDC publishes, its WhatsApp and SMS lines, the online complaint portal and district offices, with what each channel is best for.
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