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: What Eva may do without asking

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

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 account

Evayour assistant

The Chief of Staff agent on a Pryme Business Account

DanielChief of Staff

The Finance agent on a Pryme Business Account

BenFinance

BruceCare

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

Pryme Solid 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

Guides

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.

15 min read16 Oct 2026

Guides

One account, every currency: a guide for cross-border businesses

How multi-currency business accounts work: local details vs SWIFT, payment rails, the real cost of FX, safeguarding vs deposit protection, and hedging.

14 min read16 Oct 2026

Guides

Doing business with Africa: paying and getting paid in Nigeria

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.

15 min read16 Oct 2026

Guides

Sending money to Nigeria: the real cost, explained

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.

13 min read16 Oct 2026

Explainers

Can AI do your bookkeeping?

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.

6 min read16 Oct 2026

Scroll for more

The short answer

To start a transport business in Nigeria, register a company with the CAC, register each vehicle for commercial use with red-lettered commercial plates, keep a current roadworthiness certificate and insurance, and hire drivers who hold a commercial licence. Under the National Road Traffic Regulations, commercial licence applicants must be at least 26 and show membership of a body such as NURTW or NARTO, or a letter from a registered transport company.

Pick a segment

Transport covers several quite different businesses. Each has its own customers, vehicles and risks.

Segment	Typical customers	Main risks
Inter-city buses	Travellers between states	Road safety, breakdowns, terminal access
Intra-city buses and taxis	Commuters	Fuel cost, route competition, driver turnover
Staff and school buses	Employers, schools	Contract renewals, timekeeping
Haulage and logistics	Traders, manufacturers	Axle-load rules, cargo theft, empty return trips
Car hire with driver	Companies, events, visitors	Vehicle damage, booking gaps

A contract business such as a staff bus run gives steadier income than picking up passengers at a park, which helps when you are paying for vehicles.

Registering the business and the vehicles

Register a private company with the CAC. CAC charges ₦10,000 for ₦1 million issued share capital, plus stamp duty at 0.75%. A registered company can also give your drivers the employment letter that the commercial licence process accepts.

Each vehicle used for hire or reward must be registered as a commercial vehicle. Under the National Road Traffic Regulations 2012:

Commercial vehicle plates show the state name, licensing office code, registration number and local government code in red.
Vehicles operated for hire or reward, such as taxis and stage carriages, need a roadworthiness certificate.
A current insurance certificate is needed alongside the registration book and roadworthiness certificate when the vehicle licence is issued.
Commercial vehicles with any axle over 10 tonnes, or tandem axles over 16 tonnes, need written permission.

Keep a folder for each vehicle with its registration papers, insurance, roadworthiness certificate and service records, and a copy in the vehicle.

Drivers

Drivers are your largest risk and your biggest asset. The regulations set firm rules for commercial drivers, covered in detail in commercial driver's licences for fleet owners. In summary:

A commercial or professional licence requires the applicant to be at least 26 and to already hold a private licence.
Applicants show membership of a professional body such as NURTW or NARTO, or an employment letter from a registered transport company, plus a medical certificate, driving test and biometric capture.
Commercial licences are recertified every year, including simulator and medical tests.
Drivers of buses carrying the public need a driver's badge as well as a licence.

Money: what a vehicle must earn

Work out what each vehicle must earn per day before you buy it. Include fuel, driver pay, maintenance, tyres, insurance, papers, parking or park levies, and a reserve for breakdowns.

Worked example (illustrative): a 14-seater bus on a staff contract earns ₦1,200,000 a month. Fuel costs ₦480,000, the driver's pay ₦200,000, maintenance and tyres ₦150,000 on average, and insurance and papers ₦30,000 a month spread over the year. That leaves ₦340,000 a month towards the cost of the bus and profit. If you financed the bus with repayments of ₦300,000 a month, a single week off the road wipes out the month's profit, which is why a maintenance reserve matters.

Running the operation

Inspect each vehicle daily: tyres, brakes, lights, fluids.
Log every trip, fare collected and litre of fuel bought.
Collect fares or contract payments by transfer where possible, so takings match records.
Service vehicles on a schedule rather than when they break down.
Review each vehicle's profit monthly and retire those that cost more than they earn.

For collecting payments, our explainer on POS vs bank transfer covers the options.

Starting small and growing

Many successful operators start with one or two vehicles on a contract they understand well, then add vehicles once the first ones are paying for themselves. Growing too fast with borrowed money is the most common way small transport businesses fail, because a breakdown or a lost contract hits all the repayments at once. Before adding a vehicle, check three things: that existing vehicles have earned a profit for several months in a row, that you have a driver you trust for the new one, and that you have work lined up for it. Keep one spare driver who knows your routes so a sick day does not take a vehicle off the road. As the fleet grows, a simple spreadsheet with one row per vehicle per day, recording trips, takings, fuel and repairs, quickly shows which vehicles and routes make money and which do not. Share the figures with drivers; those who can see the numbers tend to take better care of the vehicle.

Where Pryme fits

Transport is a supported Spaces sector. A transport operator that opens a Pryme Business Account can join Spaces and reach customers who hold Loans on Spaces, credit lent by Solid Allianze MFB that can only be spent with Spaces merchants, so commuters and travellers can pay for trips with it. The account's payroll and bulk payouts handle driver pay, and the Finance agent prepares reconciliations for a person to approve. For merchant terms, contact Pryme.

Questions people ask

What documents do I need to start a transport business in Nigeria?

CAC registration, commercial vehicle registration with commercial plates, a roadworthiness certificate, insurance, and drivers with commercial licences.

What is the minimum age for a commercial driver's licence in Nigeria?

The National Road Traffic Regulations 2012 set a minimum age of 26 for a commercial or professional licence, and the applicant must already hold a private licence.

Do I need to join NURTW to run a transport business?

The regulations accept either membership of a body such as NURTW or NARTO or an employment letter from a registered transport company for drivers' commercial licences.

Is a staff bus contract better than running a park route?

A contract gives more predictable income, which helps when you are paying for vehicles, though rates are usually agreed for a fixed term.

Sources

National Road Traffic Regulations 2012 (Federal Road Safety Corps) · accessed Oct 2026
How much does it cost to incorporate a company in Nigeria? (Cliffe Dekker Hofmeyr) · 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.

Money with a heartbeat.

Open an account. Get money to spend.

Global money. Intelligent growth.

Open an account. Get customers.

We hand the customer the money. It can only be spent with you.

Spaces Showing 30 days

One account. Every currency you trade in.

Take money on your site, or on a checkout of your own.

A team you did not have to hire.

Our rails, under your product.

One business account. Every currency you trade in.

A team you did not have to hire

Ten years, one trunk

The things people ask us first.

What is Pryme?

Can I hold dollars, pounds and euros in a Pryme account?

What is Spaces?

What do the agents on a Pryme Business Account do?

How does Pryme Pay work?

What are Savings Boxes?

Who holds my money, and is it protected?

Can I build on Pryme?

What is Pryme?

Can I open a Pryme account from outside Nigeria?

Which currencies can I hold with Pryme?

How do I send money to Nigeria with Pryme?

What does the assistant do?

What is Pryme Rails?

The Ledger

AI agents for business finance: what they can and can't do

One account, every currency: a guide for cross-border businesses

Doing business with Africa: paying and getting paid in Nigeria

Sending money to Nigeria: the real cost, explained

Can AI do your bookkeeping?

How to start a transport business in Nigeria

Pick a segment

Registering the business and the vehicles

Drivers

Money: what a vehicle must earn

Running the operation

Starting small and growing

Where Pryme fits

Questions people ask

Sources

More on Small business

Commercial driver's licence in Nigeria: rules for fleet owners

How to open a pharmacy in Nigeria: PCN registration

How to open a patent medicine store in Nigeria (PPMV)

Who is this account for?

About the business

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