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.
Why paying a Nigerian contractor does not make you the owner of their work, what a valid written assignment needs, and how to enforce it.
Paying a Nigerian contractor does not by itself transfer the copyright in what they create. Both the UK Copyright, Designs and Patents Act (section 90(3)) and Nigeria's Copyright Act 2022 (section 30(3)) say an assignment only works if it is in writing, and the UK Act requires it to be signed by or for the person assigning. Put a signed assignment clause in the contract, cover future work properly, and deal with moral rights.
A UK business commissions a logo, an app or a set of course videos from a freelancer in Nigeria, pays every invoice, and assumes it owns the result. Then it tries to register a trade mark, sell the business, or stop the freelancer reusing the design, and finds the paperwork does not support it. The fix is cheap if done at the start and expensive later.
Copyright is property that moves only by assignment, will or operation of law. Section 90(1) of the UK Act describes it as personal or moveable property, and section 90(3) says an assignment "is not effective unless it is in writing signed by or on behalf of the assignor". Nigeria's Copyright Act 2022 takes the same approach: section 30(3) says an assignment or exclusive licence has no effect unless in writing, while section 30(4) lets a non-exclusive licence be written, oral or implied from conduct.
So without a written assignment, the most a paying client usually has is a licence to use the work, possibly non-exclusive and possibly limited to the purpose it was made for. Section 30(7) of the Nigerian Act also makes clear that owning the physical material does not confer the copyright.
Nigeria's Act spells this out for photographs. As summarised by OAL on Mondaq (16 July 2026), section 28 gives the photographer copyright unless a written agreement says otherwise, and someone who commissions a photo for private use gets only a non-exclusive licence to use it non-commercially.
Moral rights (to be named as author and to object to distortion of the work) are treated differently from copyright. On OAL's reading of section 14 of Nigeria's Act, they cannot be signed away during the author's lifetime. A common approach is for the contractor to agree not to assert them against you and your successors, rather than to transfer them. Ask a lawyer how far that goes under Nigerian law for your case.
The contractor will reasonably want to keep ownership until paid. You want rights from day one. A middle course: rights are assigned as created, but the contractor may terminate your licence to use unpaid work. Whatever the choice, write it down; an unclear clause is worse than either option.
If a dispute arises, you will be relying on the signed document. Keep the original signed copy (an e-signature with an audit trail is easier to prove than a scanned page), every version of the deliverables and the payment records. If the contract chose English law and courts, enforcing a judgment against someone in Nigeria still means acting in Nigeria, so a clear written assignment that the contractor cannot dispute is worth more than any court route.
Copyright arises automatically, but some rights only exist if registered, such as trade marks for a brand name or logo. If a Nigerian contractor designed your logo, the written assignment is what lets you show the registry that you own the artwork you are registering. Ask for the original source files too: owning the rights is of limited use if the only editable copy sits on the contractor's laptop.
If work was done without an assignment, ask the contractor to sign a confirmatory assignment now, ideally for a modest additional payment so there is clear consideration. Do this before you sell the business, raise money or file for registrations.
Related: subcontracting work to Nigerian developers and contract terms with Nigerian clients.
Payment records support your side of the story. A Pryme Business Account keeps every payment to a contractor on a dated statement, and verifiable receipts made with VerifyDoc.ai can be checked by anyone as genuine and unaltered. See business accounts.
Not automatically. Copyright passes only by a written assignment under both UK and Nigerian law. Without one you usually have a licence to use the work.
Under section 90(3) of the UK Act, yes, by or on behalf of the assignor. Nigeria's section 30(3) requires writing.
On OAL's reading of section 14 of Nigeria's Copyright Act, moral rights cannot be signed away during the author's life. Contracts often use a promise not to assert them instead.
Ask the contractor to sign a confirmatory assignment now, ideally for a small additional payment.
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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