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: What Eva may do without asking

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

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 account

Evayour assistant

The Chief of Staff agent on a Pryme Business Account

DanielChief of Staff

The Finance agent on a Pryme Business Account

BenFinance

BruceCare

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

Pryme Solid 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

Guides

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.

15 min read16 Oct 2026

Guides

One account, every currency: a guide for cross-border businesses

How multi-currency business accounts work: local details vs SWIFT, payment rails, the real cost of FX, safeguarding vs deposit protection, and hedging.

14 min read16 Oct 2026

Guides

Doing business with Africa: paying and getting paid in Nigeria

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.

15 min read16 Oct 2026

Guides

Sending money to Nigeria: the real cost, explained

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.

13 min read16 Oct 2026

Explainers

Can AI do your bookkeeping?

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.

6 min read16 Oct 2026

Scroll for more

The short answer

Home solar in Nigeria is financed in three main ways: installers' pay-as-you-go or instalment plans, bank asset finance (Stanbic IBTC, for example, finances inverters and solar over up to 24 months with 10% equity, according to its page), and occasional public or development-finance schemes. In most cases the equipment itself secures the debt: the lender or installer keeps an interest in it, and pay-as-you-go systems can be switched off remotely if you stop paying.

The three main routes

Route	How you repay	What secures it
Installer pay-as-you-go (PAYG)	Deposit, then daily, weekly or monthly payments, often by mobile money or transfer	The system: it can be locked remotely if payments stop; ownership often passes at the end
Installer instalment plan	Deposit, then fixed monthly payments	The installer's ownership until paid, set out in the contract
Bank asset finance	Equity contribution, then monthly instalments	The financed equipment, plus your salary account
Personal loan used for solar	Monthly instalments	Your salary or credit record

Installer pay-as-you-go and instalments

Many solar companies sell systems on credit directly. You pay a deposit, the system is installed, and you pay over months. PAYG systems usually include a meter or a control unit that turns the system off if you miss payments and back on when you pay. This makes the risk to the company lower, so approval can rest more on a deposit and ID than on your salary.

Before you sign, ask:

the cash price and the total price on credit, in naira;
the deposit, the payment amount and frequency, and the number of payments;
what happens if you miss a payment: grace period, lock-out, late charges;
when ownership passes to you, and whether you get a document confirming it;
what the warranty covers for panels, inverter and batteries, and who repairs faults during the plan.

If the plan is credit delivered digitally, the FCCPC's 2025 regulations require interest, repayment terms and fees to be disclosed before you commit.

Bank asset finance

Banks finance solar like other equipment. Stanbic IBTC's vehicle and asset finance page (October 2026) lists inverters and solar with tenors of up to 24 months, a 10% equity contribution, brand-new equipment only, and requires a salaried Stanbic account, proof of income and a pro forma invoice from the vendor. Other banks run similar schemes, sometimes with approved vendors.

Example only. A ₦3,000,000 system with 10% equity (₦300,000) and ₦2,700,000 financed over 24 months at an illustrative 3% a month on a reducing balance:

Monthly instalment: about ₦159,428
Total of instalments: about ₦3,826,273
Interest: about ₦1,126,273
Total paid including equity: about ₦4,126,273

Insurance and management fees, where charged, come on top. For context, the CBN's average maximum lending rate was 29.20% a year for August 2026; check the bank's own rate for your offer.

Public and development-finance schemes

Government agencies and development finance institutions have at various times supported solar through lenders and installers, often for mini-grids or businesses rather than individual homes. We could not confirm a live scheme open to individual households on an official page in October 2026. If an installer says its plan is backed by a government programme, ask for the programme name and check it on the agency's own website.

Who owns the system during the plan

Ownership is the point most buyers overlook. Under a PAYG or instalment contract, the installer often keeps ownership until the last payment, and the contract may let it remove the equipment if you default. Under bank asset finance, the bank usually takes an interest in the equipment and may insure it, with the premium added to your cost. Either way, you cannot freely sell or move the system until you have paid.

Tenants should take extra care. If you install solar in a rented flat, agree with the landlord in writing that the equipment is yours to remove when you leave, and check that the finance contract allows the system to move with you. A plan of 24 months should fit within your expected stay; moving halfway through may require the installer's consent.

Keep every document: the pro forma invoice, the contract, payment receipts and the final ownership confirmation. They matter for warranty claims and if you later sell the house or the system.

Is solar finance worth it?

Compare the monthly payment with what you spend now on generator fuel, maintenance and grid power. Example only: if fuel and servicing cost ₦120,000 a month and the solar plan costs ₦159,428, the system needs to replace most of that spend and outlast the loan by several years to pay off. Size the system to the loads you actually run; an oversized battery bank adds cost you may not use. For your grid bills, see paying electricity in the app.

What to check first

Get two or three quotes for the same specification, with the cash price on each.
Ask for the total credit price and compare it with a bank's asset finance offer.
Read the lock-out and ownership terms in any PAYG contract.
Check the warranty and who services the system during the plan.
Make sure the payment fits your budget after transport, food and rent.

For other equipment loans, read equipment loans and APR vs flat fees.

Questions people ask

How can I get solar on credit in Nigeria?

Through an installer's pay-as-you-go or instalment plan, bank asset finance such as Stanbic IBTC's (up to 24 months for inverters and solar, 10% equity), or a personal loan. Compare the total credit price with the cash price.

Which bank gives solar loan in Nigeria?

Several banks finance solar through asset finance. Stanbic IBTC's page lists inverters and solar up to 24 months with 10% equity for salaried account holders. Check other banks' pages for current terms.

What happens if I stop paying for pay-as-you-go solar?

PAYG systems can usually be locked remotely until you pay, and late charges may apply. Read the contract for the grace period and when ownership passes to you.

Is there a government solar loan for homes in Nigeria?

We could not confirm a live household scheme on an official page in October 2026. Check any claimed programme on the agency's own website.

Sources

Stanbic IBTC: Vehicle and Asset Finance · accessed Oct 2026
FCCPC: Digital, Electronic, Online, or Non-Traditional Consumer Lending Regulations 2025 · accessed Oct 2026
CBN: Money Market Indicators · accessed Oct 2026
FCCPC: Approvals of Digital Money Lenders (register, updated Mar 2026) · 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.

Money with a heartbeat.

Open an account. Get money to spend.

Global money. Intelligent growth.

Open an account. Get customers.

We hand the customer the money. It can only be spent with you.

Spaces Showing 30 days

One account. Every currency you trade in.

Take money on your site, or on a checkout of your own.

A team you did not have to hire.

Our rails, under your product.

One business account. Every currency you trade in.

A team you did not have to hire

Ten years, one trunk

The things people ask us first.

What is Pryme?

Can I hold dollars, pounds and euros in a Pryme account?

What is Spaces?

What do the agents on a Pryme Business Account do?

How does Pryme Pay work?

What are Savings Boxes?

Who holds my money, and is it protected?

Can I build on Pryme?

What is Pryme?

Can I open a Pryme account from outside Nigeria?

Which currencies can I hold with Pryme?

How do I send money to Nigeria with Pryme?

What does the assistant do?

What is Pryme Rails?

The Ledger

AI agents for business finance: what they can and can't do

One account, every currency: a guide for cross-border businesses

Doing business with Africa: paying and getting paid in Nigeria

Sending money to Nigeria: the real cost, explained

Can AI do your bookkeeping?

Solar loan in Nigeria: how to finance a home solar system

The three main routes

Installer pay-as-you-go and instalments

Bank asset finance

Public and development-finance schemes

Who owns the system during the plan

Is solar finance worth it?

What to check first

Questions people ask

Sources

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Housing loans through cooperatives in Nigeria

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