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.
Starting a fresh juice business in Nigeria: juicer and bottles, fruit seasons, pricing per bottle, spoilage risk and NAFDAC, with a worked example.
A small fresh juice business needs a commercial juicer or blender, clean bottles, chilling and a steady fruit supply; most of the daily cost is fruit and bottles, and most of the risk is juice that does not sell before it spoils. Fresh juice sold the same day is margin-friendly, but bottled juice sold under a brand through shops needs NAFDAC registration through its NAPAMS portal.
Fresh juice sellers press or blend fruit such as pineapple, orange, watermelon, mango, carrot and ginger, bottle it and sell it chilled to offices, gyms, schools, events and passers-by. Some deliver to regular customers on subscription. The appeal is low entry cost and quick daily cash. The weakness is shelf life: fresh juice without preservatives is best sold the same day and kept cold throughout.
There is also a market gap that helps local producers: fruit juice is on Nigeria's import prohibition list, according to the US International Trade Administration's country guide, so imported juice is not legally competing on supermarket shelves.
Prices vary by brand and capacity. Use this as an example and get quotes.
| Item | Purpose | Example cost |
|---|---|---|
| Commercial juicer or heavy-duty blender | Extracting juice | ₦250,000 |
| Stainless knives, boards, strainers, jugs | Preparation | ₦40,000 |
| Chest freezer or fridge | Chilling bottles and fruit | ₦550,000 |
| Cooler boxes | Keeping stock cold while selling | ₦60,000 |
| Bottles and labels (first batch) | Packaging | ₦50,000 |
| Total (example) | ₦950,000 |
Power matters here too. A fridge running on a petrol generator costs much more per hour than grid supply, so a seller in an area with poor supply may prefer to make juice early, chill it in ice and sell the batch within hours.
Fruit prices rise and fall through the year as harvests come and go. Many sellers report that mango, orange and watermelon are cheapest in their main seasons and expensive out of season, while pineapple and carrot are more stable, but this differs by region. Build recipes you can switch: when one fruit is dear, lean on another. Buying from a market early in the morning, or directly from a farm or fruit wholesaler, usually beats buying from roadside retailers.
This is an example. Your yield depends on fruit size and ripeness; run a test batch and measure.
| Item | Assumption | Cost |
|---|---|---|
| Pineapples | 10 at ₦1,500 | ₦15,000 |
| Bottles | 24 × 50cl at ₦150 | ₦3,600 |
| Labels | 24 at ₦50 | ₦1,200 |
| Ice for chilling | ₦1,000 | |
| Power | ₦1,000 | |
| Total for 24 bottles | ₦21,800 | |
| Cost per bottle | ₦21,800 ÷ 24 | about ₦908 |
Assume 10 pineapples yield 12 litres, which fills 24 bottles of 50cl. Sold at ₦1,500 each, 24 bottles bring ₦36,000 and a profit of ₦14,200 on the batch. If four bottles go unsold and spoil, revenue falls to ₦30,000 and profit to ₦8,200, down by more than 40%. Selling out is the whole game.
Pre-orders are the cheapest way to cut waste. A seller who knows by 8am how many bottles are needed can buy fruit to match. Walk-in and roadside sales add volume but carry the spoilage risk in the example above, so treat them as a top-up rather than the base of the business.
Selling freshly made juice directly to customers is very different from selling branded bottled juice through shops and supermarkets. For a packaged food product, NAFDAC registration runs through its NAPAMS portal and includes document review, a facility inspection and laboratory analysis of samples, as Mondaq's May 2025 guide to food registration describes. Food handlers are expected to have medical tests. Ask NAFDAC which route applies to you before supplying shops. Our guide to NAFDAC registration for a small food product walks through the steps, and the planned guide to the zobo drink business covers a close cousin of this trade.
Office and subscription customers can pay into a Pryme Business Account by transfer, and you can send invoices for weekly orders.
A small operation with a commercial juicer, fridge, coolers and first bottles can start under ₦1 million in our example. Get local quotes.
Work out your cost per bottle first. In our example a 50cl bottle cost about ₦908 to make, so ₦1,500 left a margin. Price to cover waste as well.
It is best sold and drunk the same day and kept cold throughout. Test your own recipes and never sell old juice as fresh.
Branded packaged juice sold through shops needs NAFDAC registration. Ask NAFDAC which route applies if you only sell fresh to your own customers.
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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You can add the other type later — many of our customers hold both.
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