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.
A side-by-side look at Jumia and Konga for Nigerian sellers using each platform's own documents: commission, fulfilment, penalties and payout timing.
Neither Jumia nor Konga publishes a public Nigerian commission table; both set rates by category in your seller account. Jumia pays naira sales monthly, five business days after the cycle closes. Konga's 2024 seller handbook says sales enter escrow after a 7-day return period and payouts run on Tuesdays and Fridays, with wallet payouts taking 3 to 7 working days after a request.
Jumia and Konga are the two marketplace names most Nigerian sellers weigh up. Both take a commission, both offer fulfilment from their own warehouses, and both penalise poor service. The differences are in the detail: how often you are paid, what fulfilment costs, and how penalties are set. This comparison uses each company's own documents as opened in October 2026: Jumia's VendorHub pages and Konga's Updated Seller Handbook 2024. Neither publishes traffic figures in those documents, so we do not rank their reach.
| Jumia | Konga | |
|---|---|---|
| Commission | By category, in seller agreement; no public NG table found | By category, shown on dashboard; depends on merchant class |
| Plans | Not described on pages opened | Monthly plan chosen at onboarding; free-plan 'Special Merchants' pay the highest commission |
| Fulfilment by platform | Fulfilled by Jumia (FBJ) | Fulfilment by Konga (FBK); handbook says dispatch within 3 hours |
| Published fulfilment charges | Storage and management fees mentioned, no amounts | FBK by weight: 0-10kg ₦157.5, 11-25kg ₦525, over 25kg ₦840 (may change) |
| Payout timing | Monthly cycle, paid 5 business days after close | Escrow after 7-day return period; paid Tuesdays and Fridays |
| Score or class effect | Extra 20% to 75% on commission below score 3 | Lowest commission for Classic Plus (1,000 orders or ₦2m over two consecutive months) |
On Jumia, the base commission depends on category, and the performance policy adds an extra operating fee on the previous week's commission when your score drops: 20% between 2.5 and 3, rising to 75% below 1.5. On Konga, the handbook links commission to your merchant class. Sellers on the free plan, called Special Merchants, pay the highest rate; Classic Plus merchants, who qualify by selling 1,000 orders or ₦2 million in value consecutively over two months, pay the lowest. Neither document gives the percentages, so ask for your category rate before you list.
Both let you store stock in their warehouses. Konga's handbook is more explicit about cost: FBK storage and delivery is billed only after delivery, by weight band, and the handbook warns the bands may change. Konga also offers drop-off at Kxpress locations, where orders must ship within 48 hours, and self-fulfilment for prepaid orders. Jumia's returns page refers to FBJ storage and management fees without amounts, so your agreement is the place to find them.
Jumia's finance FAQ says naira sales are billed by calendar month and paid five business days after the cycle closes. Konga's handbook says sales move into escrow once the 7-day return period ends; with the wallet you request a payout and receive it in 3 to 7 working days, while KongaPay payouts are automatic, and payment days are Tuesdays and Fridays. For cash flow, that can mean money from a Konga sale reaches you sooner than a Jumia sale made early in the month, though your own results will depend on volumes and returns.
Example: an item sells for ₦15,000 at an assumed 10% commission (₦1,500) on either platform. On Konga, a seller-side cancellation would cost four times commission, ₦6,000, which sits between the ₦2,500 minimum and ₦50,000 maximum. On Jumia, a week at score 2.4 adds 30% to that week's commission. The rate is assumed; the penalty rules are each platform's own.
Both platforms own the customer relationship: buyers pay the marketplace, and Konga's handbook treats diverting orders off-platform as grounds for closure. Weigh the daily work too. Konga's 48-hour shipping rule for Kxpress and auto-cancellation of unshipped prepaid orders demand that someone checks orders every day. Jumia's score system rewards the same discipline. If you cannot ship daily, warehouse fulfilment on either platform takes that job off you at a cost.
Platform guides: how to sell on Konga and Jumia seller fees and payout.
Selling on both means two payout schedules. A Pryme Business Account can hold each platform's payouts in its own sub-account so you can compare them; see multiple accounts.
It depends on your products and cash flow. Konga publishes fulfilment prices by weight and pays twice a week; Jumia pays monthly and links extra fees to seller score. Neither publishes a public commission table.
Konga's handbook says sales enter escrow after a 7-day return period and payouts run Tuesdays and Fridays. Jumia pays naira sales five business days after the monthly cycle closes.
A merchant class in Konga's handbook with the lowest commission, for sellers with 1,000 orders or ₦2 million in sales consecutively over two months.
Nothing in the documents we read prevents it. Keep stock counts accurate on both to avoid cancellations, which both platforms penalise.
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.
At 1:500 a $200 deposit controls $100,000. A move of under 0.2% wipes it out. Margin, stop-outs and position size worked through step by step.
Profile settings that matter, how to filter for remote roles open to Nigeria, outreach messages that get replies, and what Premium can and cannot do.
A labelled single-person budget on ₦200,000 take-home: yearly rent spread monthly, transport, food and utilities, and the trade-offs that make it hold.
You can add the other type later — many of our customers hold both.
The business first, then you. Nothing is submitted until you review it.
Ideal customer profiles
Generated from your website by VerifiedLead.ai
Pick the ones that look right. Your Sales agent works these first, and you can change them at any time after opening.
We ask this because you have not given us a website. It helps us set the right limits from day one.
Which of these represents you?
Officers listed against this company on the UK register.
We have sent a six-digit code to your email address. Enter it below to confirm the address is yours.
Wrong address? Go back and change it — nothing is created until this step passes. We never ask for a code by phone or email; anyone who does is not us.
Last step. Each time you sign in we email you a six-digit code — we never send codes by SMS.