Pryme
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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
Pryme app: Chat with Eva
Pryme app: Savings Boxes
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.

Open Personal or Business Account Already with us? Log in
Open a Business account Download the app for Personal Open an account from anywhere
Pryme app home: every currency on one balance
Personal · the app in your hand
Salary landed₦920,000 from John Doe Ltd · Naira account
Done
Move ₦100,000 to your Rent Box?Keeps ₦127.9m liquid · earns 18% p.a.
Approve
Paid Ikeja Electric₦18,400 · token sent by SMS
Done
Swap $200 → ₦310,000?Rate locked at ₦1,550 for 30 s
Approve
Held a ₦150,000 transferNew payee · unusual hour · needs you
Review
Received $2,400From a client · USD account
Done
Swap $200 → £—?Rate locked for 30 s
Approve
Paid the light bill at home₦18,400 · Ikeja Electric
Done
Keep $1,000 liquid, save the rest?$1,400 → Flexible Box
Approve
Held a £2,000 transferNew payee · needs you
Review
Eva is live
500,000+customers, personal and businessScan to get the app
Get the appScan with your phone camera
Regulated partnersEvery currency held with a licensed institution in its market
Solid AllianzeCBNNDIC
Scan to get the app
Get the appScan with your phone camera
Instant settlementOur own core ledger: swaps land at once, every receipt verifiableScan to get the app
Get the appScan with your phone camera
Agents with a mandatePowered by Pryme Intelligence. Nothing moves without youFlip
Pryme Intelligence
Eva, the assistant that runs a Pryme accountEvayour assistant
The Chief of Staff agent on a Pryme Business AccountDanielChief of Staff
The Finance agent on a Pryme Business AccountBenFinance
PrymeBruceCare
Inside a mandate you write. Every action logged.
Multi-currency30 currencies on one balanceFlip
Locked rates30 s
🇺🇸 1 USD—
🇬🇧 1 GBP—
🇪🇺 1 EUR—
The rate you see is the rate you get.
10 years2016 to today, one trunkScan to get the app
Get the appScan with your phone camera
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
Spaces · Nigeria

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.

The business · Pryme Business
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
Say “Hey Pryme”🎤
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.
  • The account is used once, then it closes.
  • Held with a licensed bank, insured by the NDIC.
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 · Transport and logistics
Make money

Starting a small logistics company: fleet, apps and clients

How to start a small delivery and logistics company in Nigeria: registration, the NIPOST courier licence, bikes and vans, software, pricing and clients.

PE
Pryme editorialMake money desk · 19 Oct 2026 · 5 min read
The short answer

A small logistics company in Nigeria starts with a CAC registration, a NIPOST courier licence if you carry parcels for the public, a few riders or vans that meet state traffic rules, and a simple dispatch system. The money is made on price per delivery against fuel, rider pay and failed trips, so most new operators win steady contracts from businesses before chasing one-off customers.

What a small logistics company actually does

In most Nigerian cities "logistics" at small scale means same-day or next-day delivery of parcels, documents, food and stock for online sellers, shops, pharmacies and offices. A few operators add interstate parcel runs through partner bus parks, or van work for bulky goods. Decide early which of these you are, because each one changes the vehicle you buy, the rules you follow and the clients you chase.

  • Intra-city bike dispatch: cheapest to start, highest volume, most exposed to motorcycle restrictions.
  • Van or tricycle delivery: carries more per trip and suits supermarkets, distributors and furniture sellers.
  • Interstate parcels: you collect and hand over to transport companies, then deliver at the other end through a partner.
  • Contract logistics: a dedicated rider or van placed with one client for a monthly fee.

Registration and licences

CAC first

Register a business name or a limited company with the Corporate Affairs Commission. A secondary guide published in December 2025 put business name reservation at ₦500 and registration at a ₦10,000 standard fee, filed on the CAC portal with a valid ID and passport photo; check the current fee on the portal before you pay. Corporate clients will ask for your registration certificate and a business account in the same name before they sign.

NIPOST courier licence

Carrying parcels and documents for the public is a regulated courier activity. NIPOST's Courier and Logistics Regulatory Department licenses operators in categories that ThisDay reported in February 2023 as state or special SME, regional, national and international, and it said 716 operators were licensed in 2022 against about 500 unlicensed ones. Current licence fees are not published in a form we could confirm, so ask NIPOST directly which category fits your area of operation. Our guide to checking a courier is NIPOST-licensed shows what clients look for.

State traffic rules for your riders

In Lagos, commercial motorcycles are banned from 10 local government areas and their LCDAs under the Transport Sector Reform Law 2018, as the state reaffirmed in October 2022, and in February 2026 the state reported seizing motorcycles in restricted areas. The Lagos offence schedule published on the state traffic management platform also lists impoundment for motorcycles below 200cc. Check the rules in each state where you work before you buy bikes, and keep every rider's licence, vehicle papers and insurance current.

Fleet: bikes, vans and who owns them

Most small operators start with three to five vehicles. You can buy outright, buy on hire purchase, or sign riders who bring their own bikes and take a share of each delivery. Owning the fleet gives you control over quality but ties up capital; owner-riders cost less upfront but are harder to manage when demand peaks.

ModelYour upfront costControlMain risk
Company-owned fleet, salaried ridersHighHighIdle bikes on slow days still cost money
Company-owned fleet, daily remittanceHighMediumMissed remittances and vehicle abuse
Owner-riders paid per deliveryLowLowRiders leave for better-paying platforms
Mixed: a core fleet plus owner-riders for peaksMediumMediumMore admin, two pay systems

Whatever you choose, insure each vehicle. Third-party motor insurance is compulsory; under the NAICOM premium circular effective 1 January 2023, the minimum third-party premium was ₦3,000 a year for a motorcycle and ₦5,000 for a tricycle. No newer circular was found when we checked in October 2026; confirm the price with a licensed insurer and verify each policy on askNIID.

Dispatch software and records

You need a way to take orders, assign them to riders, track progress and record proof of delivery. At the start, a shared spreadsheet and a WhatsApp business line work. Once you pass about 30 deliveries a day, dedicated dispatch software that offers order intake, rider assignment, live location, delivery photos and cash-on-delivery reconciliation usually pays for itself through fewer lost parcels. Compare monthly subscription against per-order pricing, and check whether the software can give clients a tracking link.

Cash on delivery is where small logistics companies lose the most money. Settle rider cash daily, match every order to a payment, and read our guide to cutting rider remittance risk on cash on delivery.

Pricing a delivery: a worked example

This is an example with assumed figures for one bike in a city zone. Use your own fuel, pay and volume numbers.

LinePer day (example)
Deliveries completed14
Average price charged₦2,000
Revenue₦28,000
Fuel (assumed 5 litres at ₦1,250)₦6,250
Rider pay (assumed ₦500 per delivery)₦7,000
Maintenance and phone data reserve₦2,500
Contribution before overheads₦12,250

Over 24 working days that bike contributes ₦294,000 a month towards rent, software, insurance, a dispatcher's salary and loan repayments. A failed delivery still burns fuel and rider time: at the costs above, each drop costs about ₦1,125 (₦15,750 divided by 14), so two failed drops a day with no charge cost about ₦2,250. Charge for failed attempts and put that in your terms.

Winning business clients

  1. Pick one or two sectors first, for example online fashion sellers or pharmacies, and learn their peak days.
  2. Offer a one-week trial at your normal price with a daily report of every delivery.
  3. Put service levels in writing: pick-up windows, delivery times, failed-delivery rules and liability for damaged goods.
  4. Invoice weekly or monthly, and expect larger clients to deduct withholding tax; see our guide to withholding tax on invoices.
  5. Ask happy clients for referrals within their own trade groups.

What to check first

  • Which NIPOST licence category your planned area needs, and the current fee.
  • Motorcycle and tricycle rules in every local government area you will serve.
  • Valid licences, third-party insurance and vehicle papers for every rider and vehicle.
  • A written failed-delivery and damaged-goods policy before the first client signs.

Where Pryme fits

A Pryme Business Account lets you send invoices to corporate clients, pay riders together through bulk payouts and keep separate sub-accounts for fuel and maintenance with multi-account. Transport businesses can also apply to join Spaces. Nothing moves without an approval you set.

Questions people ask

Do I need a NIPOST licence to start a dispatch business in Nigeria?

If you carry parcels or documents for the public for a fee, NIPOST treats that as courier work and licenses it through its Courier and Logistics Regulatory Department. Ask NIPOST which category fits your area and the current fee.

How much does it cost to register a logistics company with CAC?

A December 2025 guide put business name reservation at ₦500 and registration at ₦10,000. A limited company costs more. Check the CAC portal for the current fee.

Can dispatch riders work in Lagos with the okada ban?

Lagos bans commercial motorcycles in 10 local government areas and their LCDAs and impounds bikes below 200cc under its traffic law. Check the current restricted areas before planning routes.

How do logistics companies price deliveries?

Most price per delivery by zone or distance, with extra charges for weight, waiting time and failed attempts. Build the price from fuel, rider pay and maintenance per trip, then add your overheads.

Sources

  1. CAC step-by-step guide to registering a business (Techeconomy, 18 Dec 2025) · accessed Oct 2026
  2. Nigeria recorded 716 licensed courier operators in 2022 (ThisDay, 23 Feb 2023) · accessed Oct 2026
  3. Lagos reaffirms ban on okada in 10 LGs and 15 LCDAs (ThisDay, 20 Oct 2022) · accessed Oct 2026
  4. Lagos confiscates 65 motorcycles in restricted areas (Premium Times via AllAfrica, 2 Feb 2026) · accessed Oct 2026
  5. Lagos Transport Sector Reform Law offence and charges schedule (Youverify TMS) · accessed Oct 2026
  6. NAICOM third-party motor premiums from 1 January 2023 (TheCable, 24 Dec 2022) · 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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