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.
Raw shea, whipped butters and black soap: the three Australian regulators that may touch your product, and the claims that change the rules.
Shea butter and black soap sold in Australia as cosmetics fall under the industrial chemicals scheme run by AICIS, which decides whether you as importer must register; products that claim to treat a condition, such as eczema or acne, can instead be therapeutic goods regulated by the TGA. Raw shea butter is also a plant product, so check its import conditions in the Department of Agriculture's BICON system before the first shipment.
Nigerian shea butter (ori) and African black soap have a loyal market in Australia, from market stalls to online shops. Most sellers start with a few tubs in a suitcase and then move to a carton or a pallet from Kano, Ibadan or Lagos. The moment you import to sell, three sets of rules may apply: chemical introduction rules for cosmetics, therapeutic goods rules if your marketing makes health claims, and biosecurity rules for the raw plant material. This guide sets out how they divide, what we could and could not confirm from official pages in October 2026, and what to ask before you pay a supplier.
| What you sell | Likely regime | What to check |
|---|---|---|
| Whipped shea body butter sold for softening skin | Cosmetic: AICIS (industrial chemicals) | Whether you must register as an importer and what records you keep |
| Black soap sold for washing | Cosmetic: AICIS | Same as above; also the ingredients, including any added fragrance or colour |
| Black soap sold as "clears acne" or "cures eczema" | Possibly therapeutic goods: TGA | Whether the claim makes it a therapeutic good needing TGA entry before supply |
| Raw, unrefined shea in bulk | Biosecurity first: DAFF | BICON conditions, permit and treatment for the plant product |
We could not open the AICIS or TGA websites when writing this (both refused automated access in October 2026), so this guide does not quote registration categories, charges or thresholds. Treat the table as a map of who to ask, then confirm on each regulator's own site.
The words on your label and listing matter as much as the contents. Many black soaps are sold in Nigeria with promises such as "removes dark spots", "treats eczema" or "anti-fungal". In Australia, health claims of that kind can take a product out of the cosmetic category and into the therapeutic goods regime, which has its own entry requirements before sale. Before you list a product, read every claim the supplier prints and decide whether you can keep it. Rewriting a label to describe what the product does for appearance (cleans, moisturises, softens) rather than what it treats is a common route, but confirm it against the TGA's guidance on the cosmetic and therapeutic boundary.
NAFDAC's export guideline lists the Combined Certificate of Manufacture and Free Sale for registered cosmetics among the certificates it issues to exporters, after document vetting, inspection and laboratory work, with a stated total of about 28 working days (NAFDAC guideline for export, 2018). An Australian regulator may not require it, but it tells you the product exists as a registered item in Nigeria and gives you a manufacturer to trace.
Shea butter is made from the nut of the shea tree, so unrefined butter may carry plant material. The Department of Agriculture's BICON system shows whether a commodity is permitted, subject to conditions, needs supporting documents or treatment, or needs an import permit (DAFF BICON page, updated 24 Oct 2025). Search BICON for the exact form you import, whether raw, refined or finished cosmetic, because the conditions can differ. If a permit is needed, you apply and track it through a BICON account.
For a consignment with a customs value over A$1,000, GST, any duty and clearance charges are charged to the importer at the border; at or below that, the ATO's low value goods rules put GST collection on the overseas seller (ATO, updated Sep 2025). Most small shea orders sit near this line, so keep the supplier's invoice separate from the freight bill. Our guide to when you need a customs broker covers the full import declaration.
Example only. A Brisbane seller plans 200 tubs of whipped shea at A$4 each from an Ibadan producer, plus 100 bars of black soap at A$2 each.
With a Pryme Business Account you can pay a Nigerian producer in naira or US dollars from one account (business multicurrency), and keep a verifiable receipt for each payment (receipts). For cosmetic ingredient rules in more depth, see importing Nigerian hair and skin products.
Cosmetics are covered by AICIS, which sets out whether an importer must register. Check its own guidance; we could not open it in October 2026.
Sold for washing, it is treated as a cosmetic. If the label claims to treat acne or eczema, it may become a therapeutic good under TGA rules.
Check BICON for the exact product. It shows whether conditions, treatment, documents or a permit apply.
At or below A$1,000 customs value the overseas seller collects GST under the low value goods rules; above it, GST is paid at the border.
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.
Wooden masks, stools and carvings from Nigeria: Australian biosecurity on wood, treatment evidence, and Nigeria's export permit rule for antiquities.
Red palm oil from Nigeria for sale in Australia: biosecurity checks, the Imported Food Inspection Scheme, testing for dyes, and label rules.
Form NXP registers a Nigerian export and ties it to the payment. What it means for an Australian buyer, the 90-day rule, and the papers you should receive.
You can add the other type later — many of our customers hold both.
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