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 · Invoicing and getting paid
Business

Small claims courts outside Lagos: which states have one

Edo, Abia and Katsina publish small claims rules like Lagos: debts up to ₦5m, a demand letter first, and a 60-day target to judgment.

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

Lagos is not the only state with a small claims court. Practice directions published by Edo (in force 2 March 2020), Abia (17 November 2023) and Katsina (2023) set up small claims tracks in designated magistrates' or district courts for liquidated debts of up to ₦5,000,000, excluding interest and costs. Each aims for judgment within 60 days of filing and lets a trader or company appear without a lawyer.

What a small claims court does

A small claims court is not a separate building. It is an ordinary magistrates' court (or, in Katsina, a district court) that the state's Chief Judge has designated to hear simple debt claims under a special, faster procedure. The procedure is set out in a practice direction, a short rule book issued by the state judiciary. The aim, in the words of the Lagos version, is "easy access to an informal, inexpensive, and speedy resolution of simple debt recovery disputes".

The key phrase in every version is liquidated money demand: a fixed sum you can point to, such as an unpaid invoice, a bounced balance on goods supplied or a refund agreed in writing. Claims for damages, injury or anything the court would have to value are outside it. If your claim is a disputed amount for bad workmanship, you are probably in the regular court process instead.

States we could confirm, as at October 2026

We read the practice directions below on official state websites in October 2026. All four share the same ₦5,000,000 ceiling, which excludes interest and costs.

StateCourt usedClaim ceilingIn forceDefence due
LagosDesignated magistrates' courts₦5,000,00028 April 20236 days after service
EdoDesignated magistrates' courts₦5,000,0002 March 20207 days after service
AbiaDesignated magistrates' courts₦5,000,00017 November 20236 days after service
KatsinaDesignated district courts₦5,000,0002023 (day not stated)7 days after service

Other states have also been reported to run small claims courts, and several publish their practice directions on state government or judiciary websites. We have not listed a state we could not read the rules for. If yours is missing, ask the registry of your nearest magistrates' court whether it has been designated, or check the state judiciary's website.

How filing works in these states

The steps and form numbers are close to identical, because the states have followed a common template. The Lagos and Katsina demand forms give the debtor 14 days to pay; the Abia form gives 7 days.

  1. Serve a letter of demand on Form SCA 1 before you file. Every version makes this a condition of filing.
  2. If the debt is still unpaid, complete the complaint form (Form SCA 2) and attach your documents: invoice, delivery note, statement of account, messages acknowledging the debt.
  3. The registry checks that the claim qualifies and directs you to pay the filing fee. None of the practice directions states the fee amount, so ask the registry for the current figure.
  4. A summons (Form SCA 3) is issued and served, usually by the court's sheriff, within 7 days of filing.
  5. The defendant files a defence, admission or counterclaim within 6 or 7 days, depending on the state.
  6. The magistrate allows up to 7 days for an amicable settlement, then hears the case, with the whole hearing period capped at 30 days.
  7. Judgment is expected within 14 days of the end of the hearing, and the practice directions aim for no more than 60 days from filing to judgment. Edo's rules expect the judgment sum to be paid within 14 days of delivery.

Appeals go to the state High Court and must be filed within 14 days of judgment. Abia and Katsina send them to a fast-track court and aim to finish the appeal within 30 days.

Who can file, and where

  • In Lagos, Edo and Abia, the claimant or defendant must live or carry on business in the state, or the cause of action must have arisen there wholly or partly.
  • Katsina's version ties it to the defendant living or doing business in the state, or the cause of action arising there.
  • Individuals may represent themselves. A partnership or registered company may be represented by a partner, the company secretary or another principal officer.
  • Counterclaims of up to ₦10,000,000 are allowed in a pending small claims action in all four states.

A worked example

Example only. A cleaning supplies distributor in Benin City delivered goods worth ₦1,850,000 to a hotel on credit, with an invoice and a signed delivery note. Sixty days later ₦600,000 has been paid, leaving ₦1,250,000. The distributor serves Form SCA 1 demanding the balance. When nothing arrives, it files Form SCA 2 at a designated Edo magistrates' court with the invoice, delivery note, the hotel's part-payment and a WhatsApp message in which the manager promised to clear the rest. The claim of ₦1,250,000 is well under the ₦5,000,000 ceiling. If the hotel files a defence within 7 days, the settlement window and hearing follow; if it ignores the summons, the distributor can ask the court to proceed.

What to check first

  • That your claim is a fixed sum and, without interest and costs, is no more than ₦5,000,000.
  • Which magistrates' or district court near you has been designated, and the current filing fee.
  • That your letter of demand was served and you can prove when.
  • That your paperwork tells one consistent story: invoice number, amounts, dates and any part-payments. See our guide to whether a WhatsApp invoice is valid if your records live in chats.

This is general information about published court rules, not legal advice. Lagos traders can read our Lagos small claims guide, and our steps to recover an unpaid invoice covers what to try before court.

Where Pryme fits

Small claims cases turn on clean records. A Pryme Business Account lets you issue numbered invoices and generate a verifiable receipt or statement through our partner VerifyDoc.ai, so a magistrate or the debtor can check that a payment record is genuine and unaltered. More on that at verifiable receipts.

Questions people ask

Is there a small claims court in Abuja?

We could not read an FCT practice direction for this article, so we cannot confirm its terms. Ask the registry of an FCT magistrates' court or check the FCT judiciary's website.

What is the maximum amount for small claims court in Nigeria?

In the Lagos, Edo, Abia and Katsina practice directions we read, the ceiling is ₦5,000,000, excluding interest and costs. Counterclaims of up to ₦10,000,000 are allowed in a pending action.

Do I need a lawyer for small claims court?

No. All four practice directions allow parties to represent themselves, and a company can appear through its secretary or another principal officer.

How long does small claims court take?

The practice directions aim for judgment within 60 days of filing, with the hearing itself capped at 30 days. Real timelines depend on service and the court's list.

Sources

  1. Lagos State Practice Direction on Small Claims Court 2023 (copy on lagosmepb.org) · accessed Oct 2026
  2. Edo State Small Claims Courts Practice Directions 2020 · accessed Oct 2026
  3. Abia State Small Claims Court Practice Directions (2023) · accessed Oct 2026
  4. Katsina State Updated Practice Direction on Small Claims Court 2023 · 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 Invoicing and getting paid

Business

Small company tax exemption: the conditions you must keep meeting

The ₦100m turnover and ₦250m asset tests, the professional services exclusion, and what changes the year your company crosses the line.

PEPryme editorial · Tax desk19 Oct 2026 · 6 min
Business

Bookkeeping for a software startup in Nigeria

How a Nigerian software startup should record subscription revenue, dollar income and payroll so its accounts, tax returns and investor reports agree.

PEPryme editorial · Business desk19 Oct 2026 · 4 min
Business

Billing SaaS customers in naira and dollars

How Nigerian SaaS companies can price in naira and dollars, when to charge 7.5% VAT, what an invoice must show and how to collect from each customer.

PEPryme editorial · Business desk19 Oct 2026 · 4 min