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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 · Trade with Nigeria
Ghana

How do I export shea butter from Ghana to Nigeria?

Shea butter leaving Ghana needs GEPA registration and the right permits; entering Nigeria it needs NAFDAC registration and a clean customs entry.

PE
Pryme editorialDiaspora desk, Accra · 24 Oct 2026 · 5 min read
The short answer

To ship shea butter from Ghana to Nigeria you register your business and register with the Ghana Export Promotion Authority (GEPA), get each consignment inspected and certified by the relevant permit-issuing agency, then clear Ghana Customs. On the Nigerian side, NAFDAC says no cosmetic may be imported or sold in Nigeria unless it is registered, so the Nigerian buyer (or your Nigerian entity) needs NAFDAC registration before the goods are put on sale.

First decide what you are actually selling

Shea butter crosses the border in three quite different forms, and each one is handled by a different rulebook. Raw or unrefined shea butter in bulk sacks or tubs, sold to a Nigerian manufacturer, is an agricultural or industrial input. Food-grade shea butter, packed and labelled for eating or cooking, is a prepackaged food. Shea butter packed in jars as a skin or hair product is a cosmetic. Write down which of these you are shipping before you file anything, because the Ghanaian export permit and the Nigerian registration both turn on that answer.

  • Bulk, unbranded shea butter for a Nigerian factory: export registration in Ghana, consignment certificate, certificate of origin, Nigerian customs entry and whatever the buyer needs for its own product registration.
  • Prepackaged food-grade shea: the Ghana FDA export permit for prepackaged foods applies, and the product must be FDA-registered in Ghana first.
  • Branded cosmetic shea (jars, tubs, mixed butters): NAFDAC cosmetics registration in Nigeria is the gate; the Ghana FDA food export guideline does not cover cosmetics, so ask the FDA which export clearance applies.

The Ghana side: GEPA and the permit-issuing agencies

GEPA's export procedures page sets out the sequence. Register the business with the Registrar General's Department, then register as an exporting company with GEPA by submitting its registration form with copies of your business certificates. Where needed, the relevant permit-issuing agency (PIA) inspects your premises and production facility and sends GEPA its report; GEPA completes registration and issues the certificate, with a copy to the Ghana Revenue Authority.

  1. Register the business with the Registrar General's Department.
  2. Register with GEPA as an exporting company.
  3. Arrange any premises inspection the PIA requires.
  4. For each shipment, the PIA tests samples, inspects the consignment and issues an Export Consignment Certificate.
  5. Obtain other documents the buyer or route needs, such as a certificate of origin.
  6. Present the documents to GRA Customs at the exit point, then send the importer the consignment details.

GEPA's page does not list fees or a validity period for exporter registration, so ask GEPA for the current amounts when you apply.

If the shea is a prepackaged food

The Ghana FDA guideline on export permits for prepackaged foods (effective 30 June 2025) says a business must be registered with the Registrar General's Department, the product must already be registered with the FDA, and no prepackaged food may be exported without an FDA export permit. You write to the Chief Executive of the FDA listing batch numbers, quantities and pack sizes, apply for an electronic permit on the eMDA portal with the product's FDA registration number and HS code, and select "For Export". The FDA inspects each consignment before clearance, and the permit is presented to Customs once. Fees follow the FDA fee schedule in L.I. 2481 (2023); the guideline does not print the amounts.

The Nigerian side: NAFDAC, SONCAP and customs

For cosmetic shea, NAFDAC's guidelines for imported cosmetics state that no cosmetic may be manufactured, imported, exported, advertised, sold or distributed in Nigeria unless registered. A certificate runs for five years, filing and paying does not by itself confer registration, and advertising needs a separate permit. In practice the registration is usually held by a Nigerian company acting as importer, so agree early whether that is your buyer or your own Nigerian business. The full NAFDAC process is explained in our Nigeria guide to registering an imported product with NAFDAC.

At the port or border, the Nigerian importer files the usual import paperwork (see Form M for Ghanaian goods). SON's SONCAP fee schedule (August 2022) exempts food and medicines from SONCAP; cosmetics are not on that exemption list, so the importer should confirm with an accredited SONCAP firm whether a product certificate is needed for the shea line it is bringing in.

ECOWAS origin and charges

Shea butter made in Ghana may qualify as ECOWAS-originating. The Nigeria Trade Portal describes ECOWAS Trade Liberalisation Scheme (ETLS) origin as goods with at least 60% of raw materials from the region, or a 30% value-addition route. Whether your product and your factory are approved under ETLS, and what duty then applies, is a question for the Ghanaian ETLS authority and Nigeria Customs; our page on the ETLS certificate for Ghana–Nigeria goods covers it. For goods charged at the normal rate, DHL's Nigeria duty guide (25 June 2026) lists an ETLS levy of 0.5% of CIF, a CISS of 1% of FOB, a 7% surcharge on import duty and 7.5% VAT, with the duty rate set by the HS code. Check the current line on the Nigeria Customs CET lookup before you price.

Worked example: what to agree with a Nigerian buyer

Example only. An Accra producer sells 2,000 kg of unrefined shea butter to a Lagos soap maker. The contract should say who pays freight and who is the importer of record, require the buyer to hold any NAFDAC registration its finished product needs, name the certificates the seller provides (Export Consignment Certificate, certificate of origin, invoice, packing list, transport document), and set payment against those documents. If the shea is resold in Nigeria as a branded cosmetic, the registration burden moves to whoever puts that brand on sale.

What to check first

  • Which form you are shipping: bulk input, prepackaged food or cosmetic.
  • Your GEPA registration and the PIA that inspects shea for your route.
  • Ghana FDA product registration and export permit, if prepackaged food.
  • Who holds NAFDAC registration in Nigeria, and whether SONCAP applies.
  • The HS code and ETLS status, so the duty quote is right.

Where Pryme fits

A Nigerian buyer can pay from a Pryme Business account in naira, dollars, pounds or euros, and invoicing keeps each shipment tied to its documents. Verifiable statements and receipts from VerifyDoc.ai let either side prove a payment was made. Outside Nigeria, Pryme works through regulated partners; the app shows the rate and the fee before you approve.

Questions people ask

Does shea butter need NAFDAC registration to be sold in Nigeria?

If it is sold as a cosmetic, yes: NAFDAC's imported cosmetics guidelines say no cosmetic may be imported, sold or distributed in Nigeria unless registered. Food products also need NAFDAC registration. Bulk raw material for a factory is handled through the manufacturer's own registrations, so confirm with NAFDAC.

Do I need to register with GEPA to export shea butter?

GEPA's procedure is to register the business with the Registrar General's Department and then register with GEPA as an exporter; the permit-issuing agency then certifies each consignment.

Is shea butter from Ghana duty-free in Nigeria?

It may be if the product and producer are approved under the ECOWAS Trade Liberalisation Scheme. Otherwise normal duty applies by HS code. Ask Nigeria Customs or check the CET lookup.

Who pays for NAFDAC registration, the Ghanaian seller or the Nigerian buyer?

Whoever is the Nigerian importer or brand owner usually holds it. Agree this in the sales contract before shipping.

Sources

  1. Ghana Export Promotion Authority, Export Procedures · accessed Oct 2026
  2. FDA Ghana, Guideline on Processing of Export Permit and Clearance of Prepackaged Foods (FDA/ECD/GDL-01/01, effective 30 Jun 2025) · accessed Oct 2026
  3. NAFDAC, Guidelines for Registration of Imported Cosmetics (R&R-GDL-004-00, 2018) · accessed Oct 2026
  4. Standards Organisation of Nigeria, SONCAP Approved Fees (Aug 2022) · accessed Oct 2026
  5. Nigeria Trade Portal (Federal Ministry of Industry, Trade and Investment), export procedures · accessed Oct 2026
  6. DHL Nigeria, How to calculate import duties in Nigeria (25 Jun 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.

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What duty do I pay on Nigerian fabric imported into Ghana?

How Ghana taxes fabric from Nigeria: the ECOWAS tariff bands, the levies on top, when ETLS removes duty and why fabric bought in Lagos may not qualify.

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