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.
Starting a phone repair business in Nigeria: training routes, tools costed as an example, sourcing parts, pricing repairs and customer data.
A phone repair business starts with hands-on training and a core tool kit that costs about ₦410,000 in our labelled example. Repairers charge labour per job plus the part, quote part grades openly, and handle customers' data with care.
Most of a phone repairer's income comes from a few common jobs: cracked screens, dead batteries, faulty charging ports, water damage, broken back glass, and software problems such as boot loops, forgotten patterns and flashing. Board-level repairs, such as replacing chips or fixing short circuits, earn more but take more skill and equipment. Start with the common jobs and add board work as your skills grow.
Many repairers learn as apprentices in a busy repair shop. Others take a paid course at a repair training centre, which can be shorter but varies in quality and price. Before paying for a course, ask:
Expect to practise on old phones for weeks before customers trust you. A broken customer phone that you break further costs you a part, a refund and a reputation.
Example only. Prices change with the exchange rate, as most tools are imported.
| Tool (example) | Amount |
|---|---|
| Hot air rework station | ₦60,000 |
| Soldering station | ₦40,000 |
| Stereo microscope | ₦120,000 |
| DC power supply | ₦45,000 |
| Screen separator, LOCA glue and UV lamp | ₦50,000 |
| Precision screwdriver set | ₦15,000 |
| Digital multimeter | ₦15,000 |
| Ultrasonic cleaner | ₦40,000 |
| ESD mat, tweezers and opening tools | ₦25,000 |
| Total | ₦410,000 |
Add a lockable drawer or safe for customers' phones, a small stock of fast-moving parts such as charging ports and screen protectors, and rent for a shop space or a shared stall. Many repairers start in a shared space inside a phone market to keep rent low.
Parts quality decides whether customers come back. Screens and batteries come in different grades, from original pulled parts to cheap copies. Lagos's Computer Village and big phone markets in other cities are commonly where repairers buy parts, but quality varies from seller to seller.
Price parts and labour on separate lines. The part price changes with the model and grade; your labour depends on time and risk.
| Repair (example) | Labour (example) |
|---|---|
| Screen replacement | ₦8,000 plus part |
| Battery replacement | ₦3,000 plus part |
| Charging port | ₦5,000 plus part |
| Water damage clean and diagnosis | ₦10,000 |
| Software flashing | ₦5,000 |
| Board-level repair | Quoted after diagnosis |
Example only. 40 screen jobs at ₦8,000 labour (₦320,000), 30 port and battery jobs at ₦5,000 (₦150,000) and 20 software jobs at ₦5,000 (₦100,000) bring ₦570,000 in labour. Costs: shared shop rent ₦80,000, power and fuel ₦60,000, an apprentice ₦50,000 and consumables ₦40,000, a total of ₦230,000. That leaves ₦340,000 before any margin on parts.
A phone holds photos, chats and banking apps. That is personal data, and the Nigeria Data Protection Act 2023 applies to businesses that handle it. The NDPC's General Application and Implementation Directive, operational from 19 September 2025, requires data breaches to be reported within 72 hours. Good habits protect customers and you:
Offer a short warranty on your labour and on the part you fitted, such as two weeks for a screen, and write it on the job ticket. State what it does not cover, such as new drops or water. A clear warranty builds trust and stops arguments when a part fails.
For selling accessories alongside repairs, see the phone accessories business. If you move into laptops, read laptop repair start-up cost.
Customers pay for repairs by transfer at pick-up. A Pryme Business Account gives you account details so payments are easy to match to job tickets, separate from your personal money.
In our labelled example, core tools came to ₦410,000. Add shop rent, a lockable drawer and a small stock of fast-moving parts.
It depends on the route. Apprenticeship in a busy shop and paid courses both work; expect weeks of practice on old phones before taking customers.
The part price depends on model and grade. In our example, labour is ₦8,000 plus the cost of the screen.
It can be. Our example month left ₦340,000 after costs, before any margin on parts.
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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You can add the other type later — many of our customers hold both.
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