Pryme
Sign up
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

Scroll for more
Home · The Ledger · Ibadan DisCo (IBEDC)
Bills

Which states does IBEDC cover? Oyo, Ogun, Osun, Kwara

IBEDC serves Oyo, Ogun, Osun and Kwara plus parts of Niger, Ekiti and Kogi. How to confirm your town and which office or regulator handles it.

PE
Pryme editorialPower desk · 19 Oct 2026 · 4 min read
The short answer

IBEDC says it serves Oyo, Ogun, Osun and Kwara states and parts of Niger, Ekiti and Kogi. Oyo is a special case: NERC transferred regulation of the Oyo market to the state regulator, OSERC, in 2024, with an IBEDC subsidiary to supply Oyo, so Oyo customers deal with IBEDC staff but a different regulator.

The franchise area in IBEDC's own words

The footer of IBEDC's website states that it serves customers "across Oyo, Ogun, Osun, Kwara, and parts of Niger, Ekiti and Kogi states". Its head office is at Capital Building, 115 MKO Abiola Way (former Ring Road), Ibadan.

StateCoverage stated by IBEDCPoints to note
OyoWhole stateRegulated by OSERC since NERC's order of 5 August 2024; transfer to complete by 5 February 2025
OgunWhole stateBorder areas need care: NERC's July 2025 IBEDC order lists an IBEDC feeder at Ogijo described as Lagos State; check by meter lookup
OsunWhole stateNERC lists a Forum office in Osogbo
KwaraWhole stateNERC lists a Forum office in Ilorin
NigerParts onlyConfirm with a meter lookup or IBEDC
EkitiParts onlyConfirm with a meter lookup or IBEDC
KogiParts onlyConfirm with a meter lookup or IBEDC

IBEDC's website does not, on the pages we opened, list which towns in Niger, Ekiti and Kogi it serves. Where a state is split between two DisCos, the reliable test is the meter itself.

How to confirm IBEDC serves your address

  1. Look at the meter or the old bill. IBEDC-issued meters and bills carry the IBEDC name, and postpaid bills show an account number and usually the feeder and business unit.
  2. Run a lookup. Enter the meter number in any bill-payment app under Ibadan Electricity Distribution Company: if it returns your name and address, you are on IBEDC. If it fails, try the neighbouring DisCo before assuming a fault.
  3. Ask IBEDC. Call 07001239999 or email customercare@ibedc.com with your address and nearest landmark.
  4. For a new building, apply through IBEDC's new connection portal (ncp.ibedc.com) and the response will confirm whether the site is in its network; see new connection in IBEDC area.

Business Hubs and regional offices

IBEDC organises customer service through Business Hub offices; its metering page tells customers to visit "a customer care office at your nearest Business Hub". We could not find a current, complete list of hubs with addresses on the IBEDC pages we opened, so ask the call centre which hub covers your street before travelling. The hub is where you take meter applications, bill disputes and change-of-occupant paperwork.

Oyo State: same company, new regulator

States can now take over regulation of their own electricity markets. Under NERC order NERC/2024/110, dated 5 August 2024, regulatory oversight of the Oyo market moved to the Oyo State Electricity Regulatory Commission (OSERC). The order required IBEDC to incorporate a subsidiary (described as "IBEDC SubCo") within 60 days to take over distribution and supply in Oyo, and gave OSERC the power to set tariffs in the state. Reports of the order list Oyo as the fifth state to take over after Ondo, Imo, Enugu and Ekiti.

In practice, you may see little change on the street. But tariffs, complaint appeals and customer rules in Oyo can now differ from those in Ogun, Osun and Kwara. We could not confirm the subsidiary's trading name or OSERC's complaint channels from a primary source, so ask IBEDC when you raise anything formal. A NERC tariff order for IBEDC dated July 2025 still lists some Oyo feeder locations, which is another reason to check which rules apply. For all state regulators, see state electricity regulators in Nigeria.

Why coverage matters for your money

  • Choosing the wrong DisCo when buying a token can generate a token that fails or, worse, credits someone else's meter. See every way to buy an IBEDC token.
  • Your tariff band and the regulator's orders depend on your feeder and state.
  • Complaints go to the office and regulator covering your address.

Towns people most often ask about

Readers in large towns such as Ibadan, Abeokuta, Osogbo, Ilorin and Ogbomoso sit inside states IBEDC says it serves in full, so a meter lookup under Ibadan Electricity Distribution Company should work. The harder cases are:

  • Ogun communities near Lagos. Growth along the Lagos border means estates on either side may be served by different companies. The meter lookup settles it.
  • Border towns in Ekiti, Kogi and Niger. IBEDC serves only parts of these states, so neighbouring areas may be served by another DisCo. Check the name on the bill or the meter, not the state on the address.
  • Oyo towns after the transfer. The supplier's name on bills and receipts may change as the Oyo subsidiary takes over; if a lookup under IBEDC fails in Oyo, check whether vendors list a new Oyo option.

If a channel shows a name you do not recognise for your meter, stop and call IBEDC. Paying to the wrong distribution company is a common cause of tokens that never load.

Where Pryme fits

When you save a meter in Pryme bill payments, the lookup shows the name registered to the meter before you pay, which is a quick way to confirm you have chosen IBEDC. Pryme accounts can be opened from anywhere (open an account), useful if you pay electricity for family in Ibadan or Ilorin from elsewhere.

Questions people ask

Does IBEDC cover Ogun State?

Yes. IBEDC's website lists Ogun among the states it serves, alongside Oyo, Osun and Kwara.

Is Ilorin under IBEDC?

Kwara State is in IBEDC's stated franchise area, and NERC lists a Forum office in Ilorin.

Who regulates electricity in Oyo State now?

The Oyo State Electricity Regulatory Commission (OSERC), following NERC order NERC/2024/110 of 5 August 2024.

Does IBEDC cover all of Ekiti, Kogi and Niger?

No. IBEDC says it serves parts of those states. Use a meter lookup or call IBEDC to confirm a specific town.

Sources

  1. IBEDC: MAP frequently asked questions · accessed Oct 2026
  2. Mondaq (Alliance Law Firm): Highlights of the order transferring Oyo electricity regulation to OSERC (16 Oct 2024) · accessed Oct 2026
  3. TheCable: NERC transfers regulatory oversight of Oyo electricity market to state (5 Aug 2024) · accessed Oct 2026
  4. NERC: Forum offices · 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.

More on Ibadan DisCo (IBEDC)

Bills

IBEDC customer care: phone, WhatsApp and email

IBEDC's official phone lines, email, portals and social accounts as listed on its website, which to use for what, and how to avoid fake lines.

PEPryme editorial · Bills desk19 Oct 2026 · 4 min
Bills

IBEDC estimated bill: the monthly cap for unmetered homes

How NERC's capping orders limit estimated bills for unmetered IBEDC customers, how the cap is set on your feeder and what to do if billed above it.

PEPryme editorial · Power desk19 Oct 2026 · 4 min
Bills

How to find your IBEDC meter or account number

Where your IBEDC prepaid meter number and postpaid account number are printed, how to tell them apart, and what to do if you cannot find either.

PEPryme editorial · Bills desk19 Oct 2026 · 4 min