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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
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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.

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Pryme Intelligence
Eva, the assistant that runs a Pryme accountEvayour assistant
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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
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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.

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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
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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.
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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 · Jos
Cities

Irish potato and vegetable farming near Jos: costs and buyers

A worked, labelled budget for a small Irish potato or vegetable plot on the Plateau, how the seasons and prices move, who buys, and the risks.

PE
Pryme editorialCities desk, Jos agriculture · 19 Oct 2026 · 6 min read
The short answer

A small Irish potato plot near Jos costs most in seed, fertiliser and labour, and the profit depends far more on the price at harvest than on the yield. A study of 180 Plateau potato farmers under a state value chain project put average returns at about ₦699,000 and gross margin at about ₦383,000; prices at Farin Gada can swing several-fold within months, as tomatoes did between 2024 and 2025.

The cool climate of the Jos Plateau is why Irish potato, tomato, cabbage, carrot and other temperate vegetables are grown here, and why traders come from across the north to buy. This guide is for someone weighing a first plot: what to budget, when to plant, where produce is sold and what usually goes wrong. All naira figures in the budget are labelled examples; get current quotes from input dealers and your local Agricultural Development Programme (ADP) office before you commit.

What the research says about returns

A paper by A. Kolo and Y. Balere (of the Plateau Agricultural Development Programme), listed in the NSAP 2020 proceedings on the NJAP journal site, studied 180 Irish potato farmers across 17 local government areas under the Plateau State Potato Value Chain Support Project. It reported total returns of ₦699,018.70 and a gross margin of ₦382,842.70. The abstract does not state the area or season those averages refer to, and costs have risen since, so use the result as a sign that the crop can pay, not as a forecast.

Gross margin is returns minus variable costs. It leaves out land rent you may not pay in cash, your own labour, and losses after harvest. Those are the items that separate a profitable season from a loss.

A worked budget for a small plot

Example only. These are illustrative figures for a quarter-hectare rain-fed potato plot, chosen to show the structure of the costs. They are not market prices.

Cost item (example)Amount
Land rent for the season₦40,000
Seed potato₦150,000
Fertiliser and manure₦80,000
Fungicide and other crop protection₦35,000
Hired labour (land preparation, planting, weeding, harvest)₦90,000
Bags and transport to market₦45,000
Total cost₦440,000

Now two price outcomes, again as examples. If the plot yields 60 bags and you sell at ₦12,000 a bag, revenue is ₦720,000 and profit is ₦280,000 (₦720,000 minus ₦440,000). If a glut pushes the price to ₦6,000 a bag, revenue is ₦360,000 and you lose ₦80,000. Same farm, same work: the market decides. That is why the timing of the harvest and access to storage matter as much as agronomy.

Vegetables follow the same logic

Tomato is the clearest case. Daily Trust reported in February 2025 that a basket at Farin Gada sold for about ₦3,000 to ₦5,000, against about ₦10,000 at Christmas 2024 and ₦26,000 to ₦100,000 in June 2024. Traders blamed a glut from harvests in Zaria, Katsina, Kano and Bauchi arriving at the same time, and farmers said they could not afford storage. A vegetable plot planned to harvest when others are not harvesting is worth more than a bigger one that floods the market with everyone else.

Seasons and timing

Farmers on the Plateau commonly grow potato in the rainy season and, where they can irrigate, again in the dry season. Rain-fed planting costs less but harvests together with most of the state; dry-season irrigated planting needs a pump, fuel and a water source, and often sells into a thinner market. Ask the ADP extension officer for your area which planting window and which seed variety suit your land, and keep a record of dates and yields each season so your next budget is based on your own numbers.

Who buys, and how

  • Farin Gada market, Jos: one of the state's biggest vegetable markets, where wholesalers and travelling traders buy by the basket or bag. See our buyer's guide to Farin Gada.
  • Travelling traders who buy at the farm gate and truck produce to other states. Agree the price per bag and the bag size before loading.
  • Processors, hotels and restaurants: steadier prices, but they expect consistent quality and may pay after delivery, so agree terms in writing.
  • Cooperatives: selling as a group can raise your bargaining power. Our guide to cooperatives in Jos explains how they work.

Risks to plan for

  • Price collapse at harvest: the main risk, as the tomato figures show. Stagger planting or plan storage.
  • Disease and pests: potato blight and pests can take a large part of a crop; budget for crop protection and ask the ADP for advice.
  • Post-harvest loss: potatoes and tomatoes spoil quickly without shade, ventilation or cold storage.
  • Fake inputs: buy seed and agrochemicals from registered dealers and keep receipts.
  • Land and security: rent land only with a written agreement from the person with clear rights to it, and follow local advice on safety in farming areas.

What to check first

  1. Get three quotes for seed, fertiliser and labour this season.
  2. Write the budget with a low-price case, not only a good-price case.
  3. Know your buyer and the price per bag before harvest.
  4. Keep cash for the whole season before you plant: running out midway is how plots get abandoned.

Where Pryme fits

Seasonal farming means money arrives in lumps. A Fixed or Flexible Savings Box can hold input money aside so it is there at planting. When you sell to a processor or hotel, a Business Account invoice sets out the terms, and a verifiable statement from Pryme and VerifyDoc.ai can show a buyer or a cooperative your sales record.

Questions people ask

Is Irish potato farming profitable in Plateau?

It can be. A study of 180 Plateau potato farmers reported average gross margins of about ₦383,000, but profit depends mostly on the price at harvest. Budget for a low-price case before you plant.

How much does it cost to start Irish potato farming in Jos?

The main costs are land rent, seed, fertiliser, crop protection, labour and transport. Our example quarter-hectare budget comes to ₦440,000, but get current quotes from dealers and the ADP before you plan.

When is Irish potato planted in Plateau?

Farmers commonly plant in the rainy season and, with irrigation, again in the dry season. Ask your ADP extension officer which window suits your area and seed variety.

Where can I sell potatoes and vegetables in Jos?

Farin Gada market is one of the state's biggest vegetable markets. Travelling traders, processors, hotels and cooperatives also buy; agree the price per bag before loading.

Sources

  1. Kolo and Balere: Costs and returns analysis of potato production under the Plateau State Potato Value Chain Support Project (NJAP, NSAP 2020 proceedings) · accessed Oct 2026
  2. Daily Trust: Tomato glut crashes prices (15 Feb 2025) · 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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