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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 · Doing business with Africa: paying and getting paid in Nigeria
Explainers · UK, US, Canada, Europe

How Nigeria's official exchange rate is set (NFEM)

How the naira's official rate is set: one willing-buyer, willing-seller market, the EFEMS matching system, the FMDQ closing rate and its use in contracts.

PE
Pryme editorialFX · 16 Oct 2026 · 5 min read

Part of the guideDoing business with Africa: paying and getting paid in Nigeria

The short answer

Nigeria's official exchange rate is set by trading between authorised dealers on the Nigerian Foreign Exchange Market (NFEM), a single "willing buyer, willing seller" market created in June 2023. Since December 2024, interbank dollar–naira trades are priced and matched on the CBN's Electronic Foreign Exchange Matching System (EFEMS), and the published benchmark is the FMDQ FX closing rate; on 13 October 2026 it was about ₦1,332 per dollar.

Every invoice a foreign firm sends to a Nigerian client, and every naira payout it makes, is priced off one number: the official NFEM rate. Knowing how that number is made tells you which rate to write into a contract and how to judge a provider's quote. For the wider guide to cross-border payments, see doing business with Nigeria and Africa.

From multiple windows to one market

Until mid-2023 Nigeria ran several official FX windows at different rates, alongside a parallel (street) market. On 14 June 2023 the Central Bank of Nigeria (CBN) folded the official segments into one market on a willing buyer, willing seller basis. The market was later named the Nigerian Foreign Exchange Market (NFEM).

The naira adjusted sharply. The official rate moved from about ₦469.50 per dollar on 8 June 2023 to about ₦1,538 by February 2024, and the parallel market touched ₦1,700 in October 2024. It has since stabilised: on 13 October 2026 the NFEM rate was about ₦1,332.47, and bureaux de change quoted ₦1,365 to buy and ₦1,375 to sell on 14 October. The official–street gap is now around 3%.

How a rate is made today

Who trades
Authorised dealers, mainly CBN-licensed banks, trading for their own books and for customers. Licensed bureaux de change can buy FX from authorised dealers, subject to a monthly CBN cap. Dealing with unlicensed intermediaries is prohibited.
Where
Interbank trades are priced and matched on EFEMS, which runs on Bloomberg's BMatch platform. It went live on 2 December 2024.
What
Spot US dollar–naira trades. The CBN may add other currency pairs.
How
Orders are anonymous until matched. Minimum interbank trade is $100,000, in steps of $50,000, between 9:00 and 16:00 West Africa Time on business days. Designated market makers provide daily two-way quotes.
Reporting
Authorised dealers must report every FX trade to the CBN within 10 minutes, whether done on EFEMS, by phone or chat. Negotiating rates outside the market is prohibited.
Benchmark
FMDQ publishes the daily FMDQ FX closing rate (renamed from the NAFEM closing rate on 12 December 2024). The CBN publishes daily NFEM transaction rates on its website.

The effect of EFEMS is visibility. Every bank-to-bank trade is priced in one place and reported in near real time, which narrows the room for side deals at off-market rates and makes the published rate a fair measure of where money actually changes hands.

Where to check the rate each day

  1. FMDQ FX closing rate. The end-of-day benchmark most banks and contracts refer to.
  2. CBN daily NFEM rates. Published on the CBN website from qualifying market transactions; useful as a cross-check and for records.
  3. Your bank's or provider's live quote. The rate you can actually deal at. Compare it with the two above before you confirm.
  4. Parallel-market quotes. Reported daily in the Nigerian press. Useful only as context; do not price contracts off them.

Rates move during the trading day, so a quote at 10:00 and the closing rate at 16:00 can differ. Save a copy of the benchmark you relied on for each conversion. Auditors and tax authorities on both sides may ask how a naira amount was translated.

Which rate to use in a contract

  • Name the benchmark precisely. "The FMDQ FX closing rate for USD/NGN on the business day before the invoice date" is clearer than "the official rate".
  • Fix the date. Choose invoice date, due date or payment date, and say which. A week's movement can matter on a large invoice.
  • Say who bears the spread. Your client's bank will sell dollars at its own rate around the benchmark. Agree whether that cost falls on the payer.
  • Avoid street rates. A counterparty that asks to settle at a parallel-market rate is asking you to step outside the regulated system.

A worked example: checking a provider's quote

A US agency needs to pay a Nigerian supplier ₦13,000,000. The NFEM benchmark that morning is ₦1,332.47 per dollar. At that rate the naira costs $9,756.32.

QuoteRate offered (₦ per $)FeeTotal cost in dollarsCost above benchmark
Provider A: low fee, wide margin1,305.00$5$9,966.69$210.37 (2.2%)
Provider B: fee on its own line1,332.470.35%: $34.15$9,790.46$34.15 (0.35%)
Provider C: no fee, "best rate"1,290.00$0$10,077.52$321.20 (3.3%)

The cheapest-looking quote can be the most expensive. Convert every offer into the total dollars it takes to deliver the same naira, then compare that with the benchmark. Provider B's figures assume conversion at the benchmark for illustration; real quotes will sit a little either side.

What still moves the rate

  • Dollar supply. Export earnings, diaspora remittances and portfolio inflows. Autonomous inflows, which come from sources other than the CBN, were about 65% of total FX inflows in 2025, according to figures cited when the 2026 FX Manual launched.
  • Policy and reserves. CBN interest rate decisions and the level of external reserves affect confidence.
  • Remittance rules. Since 1 May 2026, money sent to individuals through money transfer operators is paid out in naira through designated settlement accounts, which channels those dollars into the official market.
  • Access to balances. The 2026 FX Manual gives holders of export proceeds and ordinary domiciliary accounts unrestricted access to their balances, which encourages them to keep dollars inside the banking system.

If your business both pays and receives in Nigeria, you can reduce how often you convert at all. The contractor payments guide shows how the rate gap adds up on a monthly retainer, and Form A and Form M explained covers the paperwork your client's bank needs before it sells FX. The parent guide to Nigeria business payments brings both together.

Where Pryme fits

Swap shows the rate before you confirm, holds it for about 30 seconds and puts any fee on its own line, which makes the comparison above simple to run. Swap also offers "When it hits", a target rate you approve when it is reached; check whether it is available on your account type. Balances in a business multicurrency account stay in the currency they arrived in until you choose to convert. Pryme Financial Ltd is a technology company, not a bank. In Nigeria, naira deposits are held by Solid Allianze Microfinance Bank Ltd, licensed by the CBN and insured by the NDIC up to the applicable limit; outside Nigeria, activities are carried out through regulated partners. A business account can be opened from any country; the documents required for your business are shown when you apply.

Questions people ask

What is the NFEM rate?

It is Nigeria's official exchange rate, formed by trading between authorised dealers on the Nigerian Foreign Exchange Market. FMDQ publishes a daily closing rate and the CBN publishes daily transaction rates. On 13 October 2026 it was about ₦1,332 per dollar.

What is EFEMS?

The Electronic Foreign Exchange Matching System is the CBN-mandated platform, on Bloomberg BMatch, where interbank dollar–naira trades are priced and matched. It went live on 2 December 2024 and requires trades to be reported within 10 minutes.

What is the difference between the official and black market naira rate?

The official rate is set by authorised dealers on the NFEM; the parallel rate is quoted by bureaux de change and street traders. The gap, once hundreds of naira, was about 3% in October 2026.

Which exchange rate should I put in a contract with a Nigerian client?

Name a specific published benchmark, such as the FMDQ FX closing rate for USD/NGN, and a specific date. Also agree who bears the bank's spread around that rate.

Is the naira still a managed currency?

Since June 2023 the official market works on a willing buyer, willing seller basis, but the CBN supervises it closely through EFEMS, reporting rules and its own interventions.

Sources

  1. Central Bank of Nigeria: Foreign Exchange Structure and Management · accessed Oct 2026
  2. Mondaq: CBN revised guidelines for Nigeria's foreign exchange market (EFEMS) · accessed Oct 2026
  3. ICIR: CBN fixes $100,000 minimum trade for banks on forex platform · accessed Oct 2026
  4. FMDQ Market Notice MN-48: NAFEM closing rate renamed FMDQ FX closing rate · accessed Oct 2026
  5. TechEconomy: Dollar to naira exchange rate, 14 October 2026 · accessed Oct 2026
  6. Kola King: Naira loses 69% of its value since FX reforms · accessed Oct 2026
  7. Kola King: Naira sinks to record low at ₦1,700 (Oct 2024) · accessed Oct 2026
  8. Nairametrics: CBN launches 4th edition FX Manual (May 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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