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 · Retail and trade
Make money

Mini importation from China: step by step with costs

How mini importation from China works: sourcing on 1688 or Alibaba, using an agent, paying per kg, customs, and a worked landed-cost example.

PE
Pryme editorialMake money desk · 19 Oct 2026 · 7 min read
The short answer

Mini importation means buying small quantities of light goods from Chinese sellers, usually through a buying or cargo agent, and having them flown or shipped to Nigeria at a price per kilogram. Your real cost is the product price plus agent fees, freight, customs charges and local delivery, so work out the landed cost per unit before you pay. Check first that the goods are not on Nigeria's import prohibition lists.

Mini importation is the small end of importing: a few hundred phone cases, hair accessories, kitchen gadgets or ring lights, bought from Chinese factories or wholesalers and resold in Nigeria online or from a stall. It works because many Chinese suppliers sell in small lots and because cargo agents combine many buyers' parcels into one shipment. It fails when people price from the factory price alone and forget everything that happens between the factory and the customer.

Step 1: choose a product that survives the journey

The best mini-importation goods are light, small, hard to break and not regulated. Freight is usually charged by weight (or volume for bulky items), so a product that weighs little but sells for a good price leaves room for margin. Before you settle on anything, check two lists the Nigerian government keeps: the import prohibition list and the absolute prohibition list. According to the US International Trade Administration's summary of Nigeria's rules (updated April 2025), the import prohibition list includes most footwear and bags, retail soaps and detergents, recharge cards, carpets, toilet paper and ballpoint pens, while the absolute list includes counterfeit goods and second-hand clothing. See whether you need an import licence for how these lists work.

  • Good candidates: phone accessories, small electronics accessories, jewellery findings, hair tools, small home and kitchen items, packaging.
  • Think twice: anything fragile, liquid, battery-heavy, or bulky for its value.
  • Avoid: branded copies (counterfeits are absolutely prohibited), medicines, cosmetics and food without NAFDAC clearance, and anything on the prohibition lists.

Step 2: find a supplier on 1688 or Alibaba

Alibaba is the export-facing marketplace: listings are in English, prices are often in US dollars, and many suppliers are used to foreign buyers. 1688 is a domestic Chinese wholesale site in Chinese with lower prices, but many of its sellers do not ship abroad or accept foreign payment, which is why Nigerian buyers use agents for it. AliExpress sells single items at retail prices; it is useful for testing a product but rarely profitable for resale.

  1. Compare at least three suppliers for the same item and ask for real photos and a video.
  2. Order a sample before a full order, even if the sample costs more per unit.
  3. Check the minimum order quantity (MOQ), the production time and the exact weight of one unit with packaging.
  4. Agree in writing what happens if goods arrive damaged or different from the sample.

Step 3: pick an agent and a shipping route

Most mini importers use a Nigerian-run buying or cargo agent with a warehouse in Guangzhou or another Chinese city. The agent buys from 1688 on your behalf, receives your goods, checks them, consolidates them with other customers' parcels and sends them to Lagos, Abuja or another city. Two charges matter: the agent's buying fee (often a percentage of the goods value, set by each agent) and the freight rate.

Air cargo
Charged per kilogram, typically door-to-door or to the agent's Nigerian office. Faster, suited to small, light orders.
Sea cargo
Charged per cubic metre (CBM) or per kg, much slower. Suited to bulky items and larger orders.
Clearing included
Many agents quote a rate that includes customs clearing for consolidated cargo. Ask exactly what the rate covers in writing.

Freight rates per kg change with fuel, demand and the naira, and we could not find an official published rate, so ask several agents for a written quote on the day. Ask also how they handle duties on consolidated cargo, what happens if Customs holds a shipment, and whether they will insure it.

Step 4: understand customs and duty

When you import in your own name, duty is set by the product's HS code in the ECOWAS Common External Tariff. The US ITA summary (September 2025) describes five bands: 0% for essentials and capital equipment, 5% for raw materials, 10% for intermediate goods, 20% for finished consumer goods and 35% for sensitive sectors, with levies, excise and VAT added on top. VAT remains 7.5% under the Nigeria Tax Act 2025. You can look up a code on the Nigeria Customs Service's CET Lookup Portal (see how to find an HS code). Where you clear goods yourself or through a clearing firm, use a licensed agent; Customs publishes lists of active and black-listed agents.

Worked example: 300 phone cases by air

Cost lineExample amount
300 silicone cases (goods, converted to naira on the day you pay)₦360,000
Agent buying fee (example 5% of goods)₦18,000
Delivery from seller to agent's warehouse in China₦9,000
Air cargo, 15 kg at an example ₦11,000 per kg, clearing included₦165,000
Pickup and local delivery to you₦8,000
Total landed cost₦560,000
Landed cost per case (÷ 300)₦1,866.67

If 10 cases arrive damaged, you have 290 to sell and the cost per sellable case rises to about ₦1,931 (₦560,000 ÷ 290). Selling at ₦3,500 each would bring in ₦1,015,000 for a gross profit of ₦455,000 before your time, data, packaging and returns. The factory price was only ₦1,200 per case; nearly 36% of your cost sat outside the product.

What to check first

  • The product is not on a prohibition list and does not need NAFDAC or SON clearance.
  • You have a sample in hand and know the weight per unit.
  • You have written quotes from at least two agents, with what the per-kg rate includes.
  • You know your selling price and still make money if the naira weakens before you pay (see pricing imported goods when the naira moves).
  • You have confirmed the agent's or supplier's payment details by phone, not only by chat.

Where Pryme fits

A Pryme Business Account holds NGN, USD, GBP and EUR with local account details for each, so money a buyer pays you stays in the currency it arrived in, and Swap converts only when you choose, showing the rate first and the fee on its own line. When you resell, bank-transfer checkout is free. See multicurrency for business.

Questions people ask

How much do I need to start mini importation in Nigeria?

There is no fixed figure. Add a sample order, a first order the agent will accept, freight for its weight and local delivery. In the labelled example above, 300 phone cases cost about ₦560,000 landed. Start with an amount you can afford to tie up for several weeks.

Is 1688 cheaper than Alibaba?

1688 prices are often lower because it is a domestic Chinese wholesale site, but many sellers there do not ship abroad, so you pay an agent to buy and receive goods for you. Compare the total after agent fees, not the listing price.

How much is shipping per kg from China to Nigeria?

It changes with fuel costs, demand and the exchange rate, and there is no official published rate. Ask several cargo agents for a written quote that says whether customs clearing and delivery are included.

Can I import okrika or designer copies through mini importation?

Second-hand clothing and counterfeit goods are on Nigeria's absolute prohibition list, according to the US ITA summary updated in April 2025. Shipments can be seized, so build your business on goods that can be imported lawfully.

Sources

  1. US International Trade Administration: Nigeria, Prohibited and Restricted Imports (published 6 Jun 2023, updated 10 Apr 2025) · accessed Oct 2026
  2. US International Trade Administration: Nigeria, Trade Barriers (last published 5 Sep 2025) · accessed Oct 2026
  3. Nigeria Customs Service: CET Tariff (links to the CET Lookup Portal) · accessed Oct 2026
  4. Nigeria Customs Service: Licensed Agents (active and black-listed lists) · accessed Oct 2026
  5. Forvis Mazars: Nigeria's tax reform in focus, 2025 NTA VAT key business changes (16 Mar 2026) · 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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