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.
Cannot find your National Insurance number? The places GOV.UK lists: your eVisa in the UKVI account, the HMRC app, payslips, P60s and HMRC letters.
If you hold an eVisa, sign in to your UKVI account and view your eVisa: GOV.UK says BRP and eVisa holders may already have a National Insurance number recorded there. If it is not there, check a payslip, P60 or HMRC letter, the HMRC app or your personal tax account, where you can also download a letter showing the number. HMRC will not read the number out to you over the phone or webchat.
Many Nigerians arriving on work and study visas were told they would "get a NINo with the visa" and then cannot find it when a new employer asks. The number exists in several places, and which one works depends on whether you have worked in the UK yet. This guide goes through them in the order that tends to work fastest.
GOV.UK says that if you have a BRP or an eVisa, you might already have a National Insurance number, and that you can find it by logging into your UK Visas and Immigration (UKVI) account to view your eVisa. Older BRP cards carried it on the back.
If no number is shown, that usually means one was not issued with your visa. If you plan to work, you apply for one from inside the UK; our guide to applying for a National Insurance number covers the steps.
Your number may be printed on the back of the card. If the card has expired and you have not yet set up a UKVI account, GOV.UK (as at October 2026) says an expired BRP can still be used to create the account for 24 months after the expiry date on the card or until 31 December 2026, whichever comes first. Setting the account up before that window closes keeps the eVisa route open, which matters for renting, changing jobs and travel as well as for finding your number.
Once HMRC has a record of you (usually after your first job), GOV.UK says you can find your number in the HMRC app if you live in the UK, or in your personal tax account. Both let you download a letter showing your National Insurance number, which is useful when an employer or the Student Loans Company wants written proof. If you have saved it to Apple or Google Wallet, it is there too.
GOV.UK suggests checking things you already hold before anything else:
Your number looks like two letters, six numbers and a final letter (GOV.UK uses QQ123456B as its example). If you see something in that format on a payslip, compare it with your other documents before using it, because payroll errors do happen.
| Route | What GOV.UK says |
|---|---|
| Calling HMRC | HMRC cannot give you your number over the phone |
| HMRC webchat | HMRC cannot give you your number on webchat |
| Applying again | Your number stays the same for life; you do not need a new one if your details change |
If none of the above works, GOV.UK has a short online tool that asks about your situation and tells you where to look or how to ask for the number. It times out after 15 minutes of inactivity and does not save your answers, so have your passport and visa details beside you before you start.
You can start work before you have a number, provided you can prove your right to work. Tell payroll you are tracking it down. Until the number reaches them, your pay may be taxed on an emergency code; once HMRC links you, any overpaid tax is normally adjusted through your pay. Our article on what the 1257L code means explains what you should expect to see once it is sorted.
Keep the number private. GOV.UK lists the bodies that may need it, such as HMRC, your employer, the DWP, your pension provider and an ISA provider. A landlord or money transfer app should not.
If you are setting up money in the UK at the same time, a Pryme Personal Account can be opened from the UK and gives you GBP and NGN account details in one place (how multicurrency works). Pryme does not need your National Insurance number to send money to family in Nigeria; sending shows the rate and fee before you approve. Outside Nigeria, Pryme works through regulated partners.
It may be. GOV.UK says eVisa holders might already have a number and can find it by signing in to their UKVI account to view the eVisa.
No. GOV.UK says HMRC cannot give you the number over the phone or on webchat. Use the HMRC app or personal tax account to download a letter instead.
No. A share code proves your immigration status for a job or rental. Your NINo is a separate reference made of two letters, six numbers and a final letter.
Apply for one online from inside the UK if you plan to work. You can start work before it arrives if you can prove your right to work.
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.
Which UK benefits count as public funds, which do not, how NRPF affects work, student and family visas, and when it ends.
The NMC annual registration fee rose to £143 from 1 October 2026. How the fee is paid, what it costs over a revalidation cycle and what else to budget.
Just arrived on a Skilled Worker or Health and Care visa? The ID banks accept, how your eVisa fits in, and what to do before you have an address.
You can add the other type later — many of our customers hold both.
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