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.
Which Onitsha market to visit for clothes and shoes, for foodstuff, or for general goods, plus how to plan a buying trip across all three.
In Onitsha, Ochanja Market is commonly visited for clothing, shoes and fabrics, Ose (Ose Okwodu) Market for foodstuff such as yams, pepper, onions, rice and palm oil, and Relief Market for a broader mix of provisions and household goods. None of the three publishes an official directory of what it sells, so treat these as what traders and buyers commonly report and confirm the line you need on arrival.
Onitsha is a city of markets. The Main Market gets most of the attention, and the Obi of Onitsha's official website describes it as the largest market in Africa by size and volume of goods (Ime Obi Onitsha, Jan 2019). But many buyers, from households to small retailers in other towns, do most of their shopping in three other markets: Ochanja, Ose and Relief. Each has its own character, and knowing which one suits your list saves a day of walking in heat and traffic.
A note on sources before we start. No market association or government body publishes a list of what each Onitsha market specialises in. What follows reflects what traders and buyers commonly report. Sections move, traders relocate after fires or rebuilding, and a line that sold one thing five years ago may sell another today. Ask a trader you trust before you set out.
| Market | Commonly reported for | Typical buyer |
|---|---|---|
| Ochanja | Clothing, shoes, bags, fabrics and some textiles | Boutique owners, tailors, families shopping for school and festive wear |
| Ose (Ose Okwodu) | Foodstuff: yams, pepper, onions, tomatoes, rice, beans, palm oil, crayfish, spices | Restaurants, caterers, households buying in bulk, foodstuff retailers |
| Relief | A broader mix: provisions, foodstuff, household goods, some clothing | Households and small shops wanting several categories in one trip |
Ochanja is the market most people mean when they say they are going to Onitsha for clothes. Buyers commonly report rows of traders selling new and fairly used clothing, shoes in bulk (often by the dozen or by the bag), handbags and fabrics. Prices depend heavily on whether you buy one piece or a bundle, and on whether the goods are new stock or "first grade" used items.
Ose Market, often called Ose Okwodu, is commonly described as the place in Onitsha to buy foodstuff in quantity. Yams, onions, pepper and tomatoes arrive from farming areas and other states, and traders sell by the tuber, the basket, the bag or the measure. Restaurants and caterers who buy weekly often have a regular supplier who sets aside stock for them.
Foodstuff prices move with season, harvest and transport costs. A bag of onions or a basket of tomatoes can cost very different amounts a few weeks apart, so any price you hear is a snapshot. If you buy perishables, go early in the day, check the bottom of baskets and bags, and agree whether the trader will deliver to a vehicle or whether you need a loader.
Relief Market is better thought of as a general market than a specialist one. Buyers commonly go there for provisions, foodstuff, kitchen items and household goods, and some clothing. It can suit a household or a small shop that wants several categories in one trip rather than crossing the city between specialist markets. Because its mix is broad, the quality and pricing vary more from stall to stall, so compare two or three traders before buying in volume.
Onitsha traffic, especially around Upper Iweka and the roads to the markets, can turn a short distance into a long journey. Plan the order of your stops so that heavy or perishable goods are bought last. Within-city bus fares in the South-East averaged ₦1,116.10 a trip in February 2026, the lowest of any zone, according to the National Bureau of Statistics Transport Fare Watch reported by The Guardian (Apr 2026). Your actual keke or bus fare depends on route and distance; ask before boarding.
Example only, for a small Awka shop owner buying clothes and foodstuff in one day. Figures are illustrative.
| Item | Example cost |
|---|---|
| Keke and bus fares, five legs at ₦1,200 | ₦6,000 |
| Loader at Ose | ₦3,000 |
| Hired vehicle back to Awka | ₦25,000 |
| Food and water for the day | ₦4,000 |
| Total trip cost (before goods) | ₦38,000 |
Check: 6,000 + 3,000 + 25,000 + 4,000 = 38,000. If the goods bought are worth ₦400,000, the trip adds about 9.5% to their cost, which is why many retailers buy larger loads less often.
Most traders in all three markets accept bank transfer as well as cash (see POS terminal or bank transfer for how the two compare for a shop). Before you transfer, confirm the account name shown by your banking app matches the shop or trader you are dealing with; transfers on the NIBSS Instant Payment system use a name enquiry so the sender can check the beneficiary before sending. Traders, for their part, should confirm credit in their own banking app before releasing goods; our guide on confirming a transfer before releasing goods sets out a procedure. For the wider picture of fake goods and tricks, read common scams in Onitsha.
A trader or buyer with a Pryme account can send and receive naira transfers and generate a regular or verifiable receipt through our partner VerifyDoc.ai (receipts), which helps when a bulk purchase needs a clear record. For the wider market map, see buying wholesale at Onitsha Main Market.
Ochanja Market is the one buyers most commonly name for clothing, shoes, bags and fabrics. Some clothing is also sold at Relief and Main Market.
Ose Market, also called Ose Okwodu, is commonly described as Onitsha's main foodstuff market for yams, onions, pepper, rice and palm oil.
It is a general market. Buyers commonly go for provisions, foodstuff and household goods, and some clothing. Confirm specific lines on arrival.
There is no published price comparison. Prices depend on the trader, quantity and grade; compare two or three quotes for the same item.
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.
Ofala falls in October and the homecoming season in December. How each moves transport, rooms and goods prices in Onitsha, and how to plan.
What Ogbete Main Market sells, how wholesale and retail buying works, labelled price examples and the best days and times to shop in Enugu.
How Onitsha Main Market is organised, how wholesale prices are set, the tricks new buyers meet, and a safe routine for paying and moving stock.
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