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.
How to start a perfume oil business in Nigeria: sourcing oils and bottles, mixing safely, pricing per ml, and a worked example of profit on one batch.
A perfume oil business buys concentrated fragrance oils in bulk, decants or blends them into small roll-on or spray bottles, and sells by the bottle. Profit comes from pricing per ml: work out the cost of oil per ml, add the bottle, label and packaging, then set a price that leaves a margin after spillage. In the labelled example below, a 6 ml roll-on costs about ₦1,050 to fill and sells for ₦2,500.
Perfume oils (sometimes called attar or concentrated oils) are popular because they last on the skin, contain little or no alcohol and can be sold in small sizes that fit tight budgets. The business can start from home with a few oils and a few hundred bottles, which is why many vendors begin there. The difficulty is not making a sale; it is pricing each bottle so that every drop of oil you bought is paid for.
Oils come from local wholesalers in large markets, from importers who sell in kilos, and directly from suppliers abroad. Ask every supplier for the same scent in a sample size first and test it on skin for at least six hours; cheap oils can smell right in the bottle and vanish within an hour. Buy from one or two suppliers you can return to, because customers come back asking for the exact scent they bought.
Bottles and roll-on caps are light and cheap per unit, which makes them a sensible mini-importation item (see mini importation from China). Two rules matter if you import: Nigeria's import prohibition list, as summarised by the US International Trade Administration (updated April 2025), includes glass bottles above 150 ml, and finished consumer goods generally fall in the 20% duty band of the ECOWAS Common External Tariff, according to the ITA's September 2025 summary. Check the HS code for your bottles before you order.
Perfumes are cosmetics. If you move from decanting other people's oils into your own branded product with your own formula, check NAFDAC's current requirements for cosmetics before you sell at scale. This article does not cover NAFDAC registration fees, which we could not confirm.
| Line | Example |
|---|---|
| 500 ml fragrance oil | ₦60,000, so ₦120 per ml |
| Oil in one 6 ml roll-on | 6 × ₦120 = ₦720 |
| 6 ml roll-on bottle | ₦250 |
| Label and small box | ₦80 |
| Cost per filled bottle | ₦1,050 |
| Selling price | ₦2,500 |
| Gross profit per bottle | ₦1,450 (58% of the price) |
Now the whole batch. 500 ml fills 83 bottles of 6 ml in theory (498 ml), but spills and testers usually take some, so plan for 80 sellable. Selling 80 at ₦2,500 brings ₦200,000. Costs are the oil (₦60,000), 80 bottles (₦20,000) and 80 labels and boxes (₦6,400), so ₦86,400 in all, leaving ₦113,600 gross profit for the batch before delivery, adverts and your time.
Do not price larger bottles by simple multiplication. A 12 ml bottle uses 12 × ₦120 = ₦1,440 of oil in this example; with a ₦300 bottle and ₦80 label it costs ₦1,820. Many vendors price the larger size so the cost per ml to the buyer is a little lower, which encourages bigger orders: for example ₦4,500 for 12 ml, still a margin of ₦2,680.
Keep a simple sales sheet by scent and size. After two or three months it will show which oils earn their shelf space and which you should stop buying, which matters more to profit than finding a cheaper bottle. Regular buyers are the core of this trade (see getting repeat customers).
When customers pay by transfer, bank-transfer checkout on a Pryme Business Account matches each payment to its order and is free. You can also send a regular or verifiable receipt through Pryme's partnership with VerifyDoc.ai (receipts), useful for wholesale buyers who need proof of purchase.
Enough for a few proven oils, a few hundred bottles and labels. In the labelled example, one 500 ml oil plus bottles and labels for 80 roll-ons cost ₦86,400. Start with three or four scents rather than twenty.
Divide what you paid for the oil by its volume in ml, multiply by the bottle size, then add bottle, label and packaging. Set your price so the margin covers spillage, testers and delivery.
From wholesalers in large markets, from importers who sell by the kilo, and from suppliers abroad. Buy samples first and test each on skin for several hours before buying in bulk.
Perfumes are cosmetics. If you create and brand your own product for wide sale, check NAFDAC's current cosmetics requirements first. We could not confirm current NAFDAC fees for this article.
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.
A patent medicine shop and a pharmacy differ in who may own them, what they sell and what they cost to start. Licences, stock and margins compared.
What to stock first in a phone accessories business in Nigeria, where traders source it, and how margins work, with a labelled ₦297,000 starter list.
Starting a phone repair business in Nigeria: training routes, tools costed as an example, sourcing parts, pricing repairs and customer data.
You can add the other type later — many of our customers hold both.
The business first, then you. Nothing is submitted until you review it.
Ideal customer profiles
Generated from your website by VerifiedLead.ai
Pick the ones that look right. Your Sales agent works these first, and you can change them at any time after opening.
We ask this because you have not given us a website. It helps us set the right limits from day one.
Which of these represents you?
Officers listed against this company on the UK register.
We have sent a six-digit code to your email address. Enter it below to confirm the address is yours.
Wrong address? Go back and change it — nothing is created until this step passes. We never ask for a code by phone or email; anyone who does is not us.
Last step. Each time you sign in we email you a six-digit code — we never send codes by SMS.