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.
Which Nigerian carvings, beadwork and crafts need wildlife declarations or CITES permits in the US, the near-ban on ivory, and Nigeria's export limits.
Most Nigerian art and crafts made from cloth, metal, glass beads or ordinary wood enter the US as normal goods. Items containing any wildlife, such as ivory, horn, bone, skins, shells or feathers, must be declared to the US Fish and Wildlife Service on Form 3-177 through a designated port, and protected species need CITES permits. African elephant ivory is under a near-total commercial ban. Nigeria separately prohibits the export of antiquities and endangered wildlife products.
A large share of what US-based Nigerians import to sell, such as adire and aso-oke textiles, brass and bronze castings made today, glass bead jewellery, leather from farmed animals and wood carvings, raises no wildlife issue. These enter as normal commercial imports through a customs broker, with duty, and in 2026 the additional 12.5% Section 301 duty on products of Nigeria from 24 July 2026 unless an annex exception applies. The problems start when an item contains wildlife, or when it is old enough to count as an antiquity in Nigeria.
The US Fish and Wildlife Service (FWS) defines wildlife broadly: any wild animal, "whether alive or dead", including parts, products, eggs or offspring, whether or not bred in captivity. For crafts, that brings in:
The FWS page says first-time shippers should contact the nearest FWS Office of Law Enforcement. Other agencies, such as USDA, CDC and CBP, can also have a say, especially for raw animal products.
An FWS rule effective 6 July 2016 "prohibits most commerce" in African elephant ivory and substantially limits imports, exports and sales across state lines. The narrow exceptions cover certain pre-existing manufactured items containing less than 200 grams of ivory that meet other criteria, and antiques as defined under the Endangered Species Act. For a seller, the practical answer is not to buy ivory items in Nigeria for the US market. A carving sold in Lagos as "old ivory" is not a safe import.
CITES lists some timber species as well as animals, so a carving in a protected hardwood can need permits. Ask the carver or supplier for the species of wood, and check it against the CITES lists before buying in volume. If you cannot identify the wood, treat a large order as a risk and seek advice from the FWS office.
The Nigeria Customs Service export prohibition list includes artifacts and antiquities, endangered wildlife and their products, raw hides and skins, and rough or sawn timber. Old masks, bronzes or figures presented as genuine antiques can therefore be illegal to take out of Nigeria, even if a US buyer is willing to pay. Buy contemporary work from living artists, keep the artist's or workshop's invoice showing the date made, and avoid anything sold as an ancient piece.
Example: a Chicago gallery imports 40 contemporary bronze castings, 100 beaded necklaces and 20 masks with cowrie shell decoration. The bronzes and beads go through as normal goods. The masks contain shells, so the gallery's broker files Form 3-177 and routes the shipment through a designated port. Before shipping, the gallery confirms with the supplier that every piece is newly made and gets dated workshop invoices, so the export is not treated as antiquities.
Wildlife items that arrive without a declaration, through a non-designated port, or without a required permit can be held by FWS and CBP. Respond quickly through your broker, keep the supplier's description of every material, and do not try to reship held goods through another route. The cheapest fix is always before shipping: remove any item whose materials you cannot document.
Keep a file for each shipment with photographs of every item, the materials list, the workshop invoices and the FWS declaration number. If a buyer later asks whether a piece is legal to own or resell across state lines, that file is your answer.
Artists and workshops in Nigeria are usually paid in naira. A Pryme Business Account opened from the US holds NGN and USD with local details; bulk payouts pay several makers at once, and verifiable receipts give you dated payment records to sit alongside the workshop invoices.
Not usually, unless the wood is a CITES-listed species or the carving includes wildlife parts. Check the species before buying in volume.
Almost certainly not for sale. A 2016 FWS rule prohibits most commerce in African elephant ivory, with narrow exceptions.
Wildlife includes parts and products of wild animals, so shell items can need declaration on Form 3-177. Ask the FWS office or your broker.
Nigeria Customs lists artifacts and antiquities on its export prohibition list. Buy contemporary work with dated invoices instead.
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.
Real coral is wildlife: FWS licence, declaration and sometimes CITES permits. Glass and stone beads are a duty question. HTS lines and the 2026 tariff.
Alcohol from Nigeria needs a federal importer permit, a label approval for each product, FDA steps and state licences. What TTB says, as at September 2026.
The TTB importer permit, label approval and excise rules for Nigerian beer, spirits and palm wine, and the FDA rules for zobo and soft drinks.
You can add the other type later — many of our customers hold both.
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