Pryme
Sign up
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

Scroll for more
Home · The Ledger · Scam patterns
Safety

Land double-selling and 'omo onile' scams: how they work

How one plot gets sold to several buyers in Nigeria, how omo onile demands work, and the registry, survey and family checks that expose it.

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

Double-selling works because a buyer pays on the strength of papers and a site visit, without checking the official record. A search at the state land registry, charting of the survey plan at the Surveyor-General's office and a check on who in the family or community can lawfully sell will expose most double sales before any money changes hands.

How one plot ends up with three owners

A double sale is simple in design. A seller, or someone pretending to be one, offers a plot to several buyers at once or one after another. Each buyer is shown the same land, given a receipt, a 'deed of assignment' or 'family receipt' and sometimes a survey plan, and told the papers are complete. The first buyer to build or fence often finds the others only when they turn up with their own documents, a lawyer, or a group of young men claiming the land.

The scheme relies on gaps that most buyers do not close: they pay before searching the official record, they accept photocopies, they deal with one family member without confirming that person has authority, and they do not check whether the government has already acquired the land. Each gap lets the same plot be sold again.

The common versions

  • Serial selling by a family member. One member of a land-owning family sells family land without the consent of the family head and principal members, then other members sell it again or demand fresh payment.
  • Selling land already sold. A vendor who sold years ago sells again, relying on the first buyer not having registered or developed the plot.
  • Selling land under government acquisition. The land is committed to government use, so no private buyer can get good title, but it is sold anyway.
  • Fake papers. Forged survey plans, receipts or even forged certificates of occupancy are used to make a plot look registered.
  • Omo onile levies. After a genuine purchase, people claiming to be the original landowning family demand 'foundation', 'roofing' or 'possession' fees before the buyer can build, and threaten to disrupt work if unpaid.

What the law says in Lagos

Lagos has a specific law aimed at land grabbing. According to a 2016 summary by the law firm Perchstone & Graeys on Mondaq, the Lagos State Properties Protection Law 2016 makes it an offence to use force or threats to take over land (sections 2 and 3, each carrying up to ten years' imprisonment), and section 8 makes it an offence to offer land for sale without lawful title or authority, or to sell land that has already been sold unless a court has set the earlier sale aside. The same section bars the sale of family land without the consent of the family head and accredited members, and the sale of government land without the State's consent. Where land is resold, the summary says the property reverts to the lawful owner.

This is information, not legal advice, and the summary is a secondary source. Before relying on any section, a lawyer should check the current text of the Law. Other states have their own land laws, so the Lagos position is not automatically the position in Ogun, Rivers or the FCT.

The checks that expose a double sale

The point of every check below is to compare what the seller tells you with an independent record. A guide by the Lagos law firm Adeola Oyinlade & Co (March 2024) sets out the searches a buyer should make in Lagos:

CheckWhereWhat it shows
Land Registry searchState Land RegistryThe registered owner and encumbrances such as government acquisition, mortgages or leases. Only registered land can be verified this way.
Survey chartingOffice of the Surveyor-GeneralWhether the plot on the ground matches the coordinates on the survey plan, whether the plan is genuine, and whether the land is under acquisition.
Family or community enquiryThe vendor's family head and principal membersWhether the family consented to the sale and who has authority to sign.
Court registry searchHigh Court registryWhether the land is or has been in litigation, and the outcome.
Probate searchProbate RegistryWhether the seller is the executor or administrator of a deceased owner's estate.
Physical inspectionThe siteBoundaries, beacons and anyone occupying the land other than the vendor.

In Lagos, TheCable reported in January 2024 that the Lands Bureau launched an e-GIS portal where residents can search and verify land records and apply for a certificate of occupancy or Governor's Consent online. In Abuja, AGIS publishes its own legal search procedure: as at October 2026 its page lists a fee of ₦10,000 for private or individual files and ₦20,000 for commercial files, requires the original title document and valid ID, and says results usually come within 24 hours. Check the current fee on the AGIS page before you go.

Surveyors who prepare plans should be registered. The Surveyors Council of Nigeria (SURCON) site has a 'Verify a Surveyor' tool, which lets you confirm the name on a survey plan belongs to a registered surveyor.

Steps before you pay anything

  1. Ask for clear copies of every document: survey plan, any certificate of occupancy or Governor's Consent, the vendor's root of title, and ID.
  2. Instruct your own lawyer and surveyor, not people introduced by the seller.
  3. Run the registry search and survey charting yourself, with the original plan where required.
  4. Meet the family head and principal members if the land is family land, and get the consent in writing, signed by those with authority.
  5. Search the court and probate registries.
  6. Visit the site with your surveyor to confirm beacons and occupants.
  7. Pay only to the vendor's own named bank account, by transfer, never cash to an intermediary, and keep every receipt.
  8. Register your deed and apply for consent as soon as possible, so the next buyer's search shows your interest.

If omo onile demands start after purchase, keep records of who demanded what, when and with what threats, and report to the police and your lawyer. Lagos also regulates estate agents through LASRERA, which Peoples Gazette reported in May 2024 had received 1,702 real estate fraud cases since 2020.

A worked example of why the search comes first

Example: Ada is offered a plot for ₦6,000,000 and asked for a ₦1,500,000 deposit 'to hold it'. If she pays before searching and the search later shows the land is under acquisition, she has paid ₦1,500,000 to someone who could not give title, and must try to recover it through the police or the courts. If she searches first, the cost is the search fee, her lawyer's fee and a few days. The order matters more than the amount.

For a fuller list of title documents by city, see title checks in Lagos, Abuja and Port Harcourt, and for rentals see how to confirm a landlord owns the house.

Where Pryme fits

Paying by transfer leaves a record that cash does not. With Pryme, you can generate a verifiable receipt or statement through our partner VerifyDoc.ai, which anyone can check is genuine and unaltered (verifiable receipts). If you are still saving for the plot, a Naira Savings Box keeps that money separate; see also how to save for land.

Questions people ask

How do I know if land has been sold to someone else in Lagos?

Do a search at the Lagos Land Registry (now also possible through the Lands Bureau's e-GIS portal) and chart the survey plan at the Surveyor-General's office. Registered interests and government acquisition will show. Unregistered earlier sales may not, which is why the family enquiry and site inspection matter.

Is omo onile illegal in Lagos?

According to a law firm summary, the Lagos State Properties Protection Law 2016 makes using force or threats to take over land an offence, with up to ten years' imprisonment. Report demands backed by threats to the police and keep records.

What happens if two people buy the same land?

It depends on who had valid title and who registered first, and is often decided in court. Under the Lagos law as summarised, selling land already sold is an offence and the land reverts to the lawful owner. Take legal advice.

How much is land search in Abuja?

As at October 2026, AGIS lists ₦10,000 for private or individual files and ₦20,000 for commercial files. Check the AGIS legal search page for the current figure.

Sources

  1. Adeola Oyinlade & Co: Conducting search and verifying land titles in Lagos (19 Mar 2024) · accessed Oct 2026
  2. Mondaq (Perchstone & Graeys): Lagos State Properties Protection Law (28 Sep 2016) · accessed Oct 2026
  3. TheCable: Lagos launches portal to apply for C of O (26 Jan 2024) · accessed Oct 2026
  4. AGIS: Legal search · accessed Oct 2026
  5. Surveyors Council of Nigeria (SURCON) · accessed Oct 2026
  6. Peoples Gazette: Lagos recovers N478.13 million, 18 properties (9 May 2024) · 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.

More on Scam patterns

Safety

Someone is impersonating you online: the law and reporting

What section 13 of the Cybercrimes Act says about identity theft and impersonation, the penalty, and the order in which to report a fake profile.

PEPryme editorial · Rights and law desk19 Oct 2026 · 4 min
Safety

Online vendors: shipping before payment clears

A screenshot is not a payment. How online vendors check the credit, hold goods until it settles, and word a payment policy buyers accept.

PEPryme editorial · Safety desk19 Oct 2026 · 4 min
Safety

Someone called asking for your OTP: how the scam works

Why no bank needs your OTP on a call, what the caller has already started on their screen, and what to do if you read the code out.

PEPryme editorial · Safety desk19 Oct 2026 · 4 min