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 · Offer pay-later in Nigeria: get paid today, customers pay later
Explainers · Nigeria

Pay-later for pharmacies in Nigeria

How a Nigerian pharmacy can let patients spread the cost of medicine without running a credit book: where it helps, the numbers, and what to watch.

PE
Pryme editorialBusiness · 16 Oct 2026 · 6 min read

Part of the guideOffer pay-later in Nigeria: get paid today, customers pay later

The short answer

A pharmacy can offer pay-later through a registered provider: the patient takes the full course of medicine today, the provider pays the pharmacy, and the patient repays the provider. It helps most with monthly refills for long-term conditions and with full courses of expensive antibiotics, where patients otherwise buy a few days at a time. The fee has to fit within thin margins, and clinical judgement must stay separate from the payment.

Most community pharmacists in Nigeria know the patient who asks for "just one week" of a blood pressure drug, or half a course of antibiotics, because that is what they can afford today. Some pharmacies keep a notebook of trusted patients who pay later. Pay-later through a provider does the same job without the pharmacy carrying the debt. This article covers how it applies to pharmacies specifically; the general mechanics are in our guide to offering pay-later in Nigeria.

Why price is the problem at the counter

Medicine prices in Nigeria rose sharply after the naira's fall. A study in the Pan African Medical Journal, which tracked one public and one private pharmacy in North-Central Nigeria from March 2023 to February 2024, found antibiotic prices up about 78% in the private pharmacy and average anti-hypertensive prices up 134% over the year. An SBM Intelligence survey reported Augmentin 625mg rising from ₦4,000 in 2019 to ₦26,000 by November 2023. Inflation has eased since, to 15.39% in August 2026 by the NBS measure, but prices have not gone back down.

Households feel it. EFInA's 2026 access to finance survey lists medical bills among the leading reasons Nigerians borrow, and borrowing for coping and consumption rose to 40.8% of formal borrowing. The result at the counter is partial purchases, skipped refills and incomplete courses, which are bad for the patient and lose the pharmacy the sale.

Where pay-later fits in a pharmacy

PurchaseWhy pay-later helpsWhat to watch
Monthly refills for hypertension, diabetes, asthmaLarge, predictable spend that falls before paydaySet a sensible minimum basket so the fee is worth it
Full courses of antibiotics or antimalarialsPatients finish the course instead of buying a few daysClinical advice comes first; payment never changes the dose
Maternal and baby care bundlesSeveral items bought at once around a birthReturns on unopened items need a clear rule
Devices: glucometers, blood pressure monitors, nebulisersOne-off high-ticket itemsHigher fraud risk with first-time buyers; confirm before handover
Single low-cost itemsRarely helpsThe fee can exceed the margin on cheap generics

The pattern is the same as in other sectors: pay-later works where the purchase is necessary, larger than a typical day's spending and likely to recur. A patient who can spread a monthly refill is also a patient who comes back next month.

Worked example: a monthly refill

A patient on treatment for hypertension and type 2 diabetes needs a month's supply costing ₦45,000. The pharmacy's gross margin on these lines is 20%, so the full sale earns ₦9,000. The figures below are illustrative.

  1. Without pay-later: the patient can manage ₦15,000 today and buys ten days' supply. The pharmacy earns ₦3,000 and hopes the patient returns.
  2. With pay-later at an illustrative 3% fee: the patient takes the full month. The fee is ₦1,350, so the pharmacy keeps ₦7,650 of gross profit.
  3. The difference: ₦4,650 more gross profit on this visit, a patient who stays on treatment, and no debt in the pharmacy's notebook.
  4. The risk case: if the patient could have paid ₦45,000 in cash anyway, the pharmacy is ₦1,350 worse off. That is why the option should be mentioned when price is a problem, not offered to every patient.

The same arithmetic shows why low-value items rarely suit pay-later. On a ₦1,500 pack of paracetamol at a 15% margin, the pharmacy earns about ₦225, and even a modest fee or a fixed per-transaction charge can take most of it. Check how your provider prices small tickets, as covered in pay-later merchant fees in Nigeria.

Rules and professional duties

Offering credit does not change your obligations as a pharmacy, and it adds a few of its own.

  • Clinical decisions stay clinical. The pharmacist decides what is appropriate to dispense. Payment method must never change what is supplied, and prescription-only medicines remain prescription-only.
  • Credit is the patient's choice. The FCCPC's 2025 digital lending regulations require credit to be opt-in, with each use actively requested by the consumer. Offer it; do not suggest a patient buys more because they have a limit.
  • Use a registered lender. Lenders must be registered with the FCCPC or licensed by the CBN, and partnerships need a Commission-approved agreement.
  • Keep health and credit data apart. The provider needs payment details, not diagnoses. Health information is sensitive, and the Nigeria Data Protection Act 2023 applies to what you collect.
  • Price fairly. Keep one shelf price whatever the payment method.

Practical set-up for a pharmacy counter

  1. Decide which lines and basket sizes you will offer it on, starting with chronic-condition refills.
  2. Agree the refund rule: most medicines cannot be returned once dispensed, so say so before the patient pays.
  3. Let the patient complete the payment on their own phone; staff never handle a patient's PIN.
  4. Wait for confirmation before handing over medicine, as with a transfer.
  5. Keep the confirmation reference with the sale so it can be matched to the provider's settlement.
  6. After 90 days, review: are refill patients coming back, and has the share of partial purchases fallen?

If you already run a notebook of patients who pay later, read running your own store credit vs using a provider before deciding whether to stop extending new informal credit.

Where Pryme fits

Pharmacies are one of the participating categories for Spaces, Pryme's merchant network for pay-later in Nigeria only. Patients with a Pryme account may be offered a naira spending limit based on how they run their account, and they see and accept the full agreement before anything is drawn. The credit is lent to the customer by Solid Allianze Microfinance Bank Ltd, a CBN-licensed microfinance bank; Pryme Financial provides the technology. A Spaces limit can be spent only with businesses that have joined Spaces, so a patient holding one can use it at a participating pharmacy but not at the one down the road that has not joined. Before you join, ask in writing for the merchant fee, settlement timing and how refunds and returns are handled, at support@mypryme.com.

For patients paying in full, Checkout takes bank transfers free of charge. The parent guide sets out how point-of-sale credit works for Nigerian businesses.

Questions people ask

Can a pharmacy in Nigeria offer buy now pay later?

Yes, through a lender registered with the FCCPC or licensed by the CBN. The patient takes the medicine, the provider pays the pharmacy, and the patient repays the provider over time.

Who pays if a patient does not repay for their medicine?

Under most pay-later agreements the provider carries that risk and the pharmacy keeps what it was paid. Some agreements allow clawbacks in cases such as fraud, so check whether yours is non-recourse.

Can patients return medicines bought on credit?

Most dispensed medicines cannot be returned for safety reasons, whatever the payment method. Tell patients your returns rule before they pay, and agree with the provider how refunds work for items that can be returned.

Is it worth offering pay-later on cheap medicines?

Usually not. On low-cost items the fee can take most of the margin. Pay-later works best on monthly refills, full courses and devices.

Do pharmacies charge VAT on medicines in Nigeria?

Medical supplies are zero-rated under the Nigeria Tax Act 2025, effective 1 January 2026. A provider's fee to the pharmacy is a separate service and may carry VAT, so check with your accountant.

Sources

  1. Pan African Medical Journal: The impact of inflation on medicine prices in Nigeria (2024) · accessed Oct 2026
  2. Peoples Gazette: SBM Intelligence survey on medicine price rises (Dec 2023) · accessed Oct 2026
  3. ThisDay: Nigerians turning to survival loans as consumption borrowing jumps (EFInA A2F 2026) · accessed Oct 2026
  4. Voice of Nigeria: Nigeria's headline inflation eases to 15.39% in August (NBS) · accessed Oct 2026
  5. FCCPC: Digital, Electronic, Online or Non-Traditional Consumer Lending Regulations, 2025 · accessed Oct 2026
  6. Forvis Mazars: VAT and Nigeria's 2025 tax reforms · 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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