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 · Trade with Nigeria
Canada

Shipping a 20-foot container from Canada to Nigeria for resale

A container of resale goods needs a CBSA export declaration in Canada and a Form M, PAAR and duty in Nigeria. The steps, and what to settle first.

PE
Pryme editorialDiaspora trade desk, Toronto · 24 Oct 2026 · 5 min read
The short answer

A container of goods for resale is a commercial export: CBSA requires an export declaration for commercial goods worth CAD 2,000 or more going to a non-US destination, and the Nigerian buyer or consignee must open a Form M through an authorised dealer bank before the goods ship. Settle who is the importer of record, what is in the box (some used goods are banned from import into Nigeria), and who pays duty and port charges before anything is loaded.

Filling a 20-foot container in Canada and selling the contents in Nigeria looks simple: buy, pack, ship, sell. In practice the container passes through two customs systems, and most of the losses we hear about come from steps that should have been settled before the doors were closed. This guide sets out the sequence for a small trader, using official Canadian pages and the Nigerian sources we could open in October 2026.

Before you buy stock: check what Nigeria will accept

Start with the Nigerian import rules, not the freight quote. Nigeria keeps an import prohibition list. The US International Trade Administration summary of it (changed 10 April 2025) includes, among other items, used vehicles more than 15 years old, used fridges and compressors, used and retreaded tyres, most footwear and bags, bagged cement, carpets, toilet paper, retail-packed soaps and detergents, glass bottles over 150ml, and several foods such as poultry, pork, beef, eggs, refined vegetable oil, retail sugar, spaghetti, juice and beer. A mixed container of second-hand goods from Canadian sales can easily contain something on that list.

  • Check each product line against the list and against the Nigeria Customs Service tariff before you buy it.
  • Regulated goods may need a SONCAP Product Certificate and a SONCAP Certificate for the shipment. SON's fee schedule (effective 1 August 2022) lists USD 350 for a SONCAP Certificate per consignment and USD 500 to USD 2,000 for Product Certificates, depending on registration status. Food, medicines and used products other than vehicles are listed as exempt from SONCAP.
  • Food, cosmetics and medicines bring in NAFDAC rules as well, which are outside this guide.

Decide who imports the goods into Nigeria

Someone in Nigeria has to be the importer: a buyer, a company you own there, or a relative acting for you. That person or company files the Form M. Sterling Bank's Form M FAQ (last modified March 2022) says a Form M is mandatory for anyone importing physical goods "irrespective of the value", is processed through the Nigeria Single Window for Trade, needs the importer's TIN, uses a proforma invoice valid for up to 90 days, and needs an electronic insurance certificate at 110% of the invoice value. A Form M can be marked "Valid for FX" (the bank sells foreign currency to pay you) or "Not Valid for FX" (paid from the importer's own foreign currency).

Once the Form M is validated, the Nigeria Customs Service issues a Pre-Arrival Assessment Report (PAAR). A 2021 Mondaq overview describes the e-Form M going from the authorised dealer bank to Customs, which then generates the PAAR so documents can be assessed before the cargo arrives. Clearance documents include the final invoice, the bill of lading, the packing list and SONCAP papers where the goods are regulated. Our plain guide to Form A and Form M covers the Nigerian forms in more depth.

The Canadian side: business number, RM account and export declaration

CBSA's CARM page says you need a business number and an import-export (RM) program account before importing or exporting commercially. The CRA's registration page lists RM as the import-export program account code, opened through Business Registration Online or form RC1.

CBSA's exporters' guide (modified 21 October 2024) says an export declaration is required for commercial goods valued at CAD 2,000 or more going to destinations other than the United States, and for restricted or controlled goods of any value. It warns that failing to report can lead to penalties, detention or seizure of the goods and possible criminal charges. Most traders file through the Canadian Export Reporting System or have their freight forwarder file it; ask for the proof-of-report number and keep it. More on that in our CERS export declaration guide.

Freight, duty and the money you need on arrival

The Nigerian Shippers' Council publishes indicative freight rates for laden containers into Nigeria. For April to June 2026 it showed USD 3,583 for a 20-foot container from North America, including Canadian ports such as Vancouver, Montreal and Halifax. It describes these as a guide and negotiable, so treat them as a benchmark for the quotes you receive, not as a price.

Duty is paid in Nigeria at clearance. DHL's Nigerian duty guide (25 June 2026) explains the structure: duty on the CIF value converted at the CBN rate on the day of assessment, plus an ETLS levy of 0.5% of CIF, a CISS charge of 1% of FOB, a 7% surcharge on the import duty, and VAT at 7.5% on CIF plus duty and levies. The duty rate itself depends on each item's HS code.

Item (example only)Amount
FOB value of goods₦12,000,000
Freight and insurance₦5,500,000
CIF value₦17,500,000
Duty at an assumed 20% of CIF₦3,500,000
Surcharge, 7% of duty₦245,000
CISS, 1% of FOB₦120,000
ETLS, 0.5% of CIF₦87,500
VAT, 7.5% of (CIF + duty + surcharge + CISS + ETLS)₦1,608,938
Total before port, terminal and agent charges₦5,561,438

Port and terminal storage charges build up quickly if documents are not ready, so the Form M, PAAR and duty money should be in place before the ship arrives. Use a clearing agent licensed by the Nigeria Customs Service, which keeps lists of active and blacklisted agents on its website.

What to settle before loading

  1. Every product line checked against Nigeria's prohibition list and SONCAP or NAFDAC needs.
  2. The importer in Nigeria named, with TIN, and the Form M validated (keep the Form M number).
  3. Your Canadian business number and RM account active, and the export declaration filed or assigned to your forwarder.
  4. A packing list that matches the invoice line by line, and an invoice in a currency you can be paid in.
  5. Payment terms agreed in writing: how much before loading, how much on arrival, and in which currency.
  6. Duty, port and agent money set aside in Nigeria, and the clearing agent appointed.

Where Pryme fits

A Pryme Business Account holds CAD, USD and naira with local details for each, so a buyer's deposit can arrive in USD and duty money can be held in naira for the agent. Swap shows the rate and fee before you approve any conversion. See business multicurrency accounts and invoicing. In Nigeria, naira deposits are held by a licensed Nigerian microfinance bank; outside Nigeria, Pryme works through regulated partners.

Questions people ask

Do I need an export declaration for a container of used goods from Canada?

If the goods are commercial and worth CAD 2,000 or more, CBSA's exporters' guide says yes for non-US destinations. Restricted goods need one at any value.

Who files the Form M for goods I ship to Nigeria?

The Nigerian importer, through an authorised dealer bank on the Single Window. You supply the proforma invoice.

How much does a 20ft container cost from Canada to Lagos?

The Nigerian Shippers' Council's indicative rate for April to June 2026 from North America was USD 3,583 for a 20-foot container. It is a guide; get written quotes.

Can I ship used fridges or old cars in the container?

Used fridges and compressors and used vehicles over 15 years old are on Nigeria's import prohibition list as summarised by the US ITA in 2025.

Sources

  1. CBSA: Guide for exporters (modified 21 Oct 2024) · accessed Oct 2026
  2. CBSA: CARM, the CBSA Assessment and Revenue Management system · accessed Oct 2026
  3. Sterling Bank: Form M frequently asked questions (modified 13 Mar 2022) · accessed Oct 2026
  4. US International Trade Administration: Nigeria prohibited and restricted imports (changed 10 Apr 2025) · accessed Oct 2026
  5. Nigerian Shippers' Council: Indicative freight rates of laden containers to Nigeria (2026) · accessed Oct 2026
  6. DHL: How to calculate import duties in Nigeria (25 Jun 2026) · 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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Bringing stockfish and dried fish into Canada

Travellers may bring up to 10 kg of dried fish into Canada, declared. Importing stockfish to sell needs a CFIA licence, a PCP and an AIRS check.

PEPryme editorial · Diaspora business desk, Toronto24 Oct 2026 · 4 min
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Finding the tariff rate for Nigerian goods in Canada

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