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 · Permits and licences
Codes & registration

State health insurance schemes: the list and how to join

Every state and the FCT has enrollees in a state health scheme, NHIA data shows. Agencies we confirmed, premiums reported, and the enrolment route.

PE
Pryme editorialCodes & registration desk · 19 Oct 2026 · 4 min read
The short answer

NHIA data for the end of 2025 recorded state scheme enrollees in all 36 states and the FCT, and 21.73 million enrollees nationally across all schemes. You join your state scheme through its agency, usually online or at an agency office or accredited facility, while formal-sector workers often join through their employer; reported informal-sector premiums include ₦12,000 a year in Enugu (May 2026) and Anambra (August 2025).

Nigeria's health insurance is built in layers. The National Health Insurance Authority (NHIA) runs federal programmes and regulates the system, and each state runs its own agency for residents, often called a state social health insurance agency (SSHIA). Which one you join depends on where you live and who employs you. This guide shows what the national data says, the agencies whose details we could confirm, and the steps to enrol anywhere.

How the system fits together

NHIA formal sector programme
For public and organised private sector employees; the NHIA FAQ says it covers the contributor, a spouse and four biological children under 18. Enrolment link: enrollment.nhiaonline.com.
TISHIP
NHIA's programme for tertiary institution students.
State scheme (SSHIA)
Run by each state agency for residents, including informal-sector workers such as traders and artisans.
BHCPF
The Basic Health Care Provision Fund, one of the programmes counted in state enrolment; Kano and Enugu report federal funds covering some vulnerable groups.
Private HMOs
Plans bought by employers or individuals.

Edo's scheme page states that health insurance is mandatory for residents under the NHIA Act 2022 and Edo's own 2019 law, which shows how the national and state laws work together.

Enrolment by state: what the NHIA data shows

Nairametrics, using NHIA data for the end of 2025 (published 2 July 2026), reported state scheme (SSHIA) enrolment for the ten states with the most enrollees:

StateState scheme enrollees (Q4 2025)All schemes in the state
Delta2.77 million2,925,353
Lagos1.10 million2,757,892
Kano593,3681,232,683
Kaduna446,9201,013,703
FCT171,579956,664
Imo502,217701,147
Oyo209,730671,298
Ekiti347,927629,873
Katsina294,640603,238
Jigawa369,233583,766

Taraba had the lowest total, 213,935. Counts differ between sources: Kano's own agency reported 933,014 enrollees across its programmes in December 2025, including BHCPF, a different basis from the SSHIA line above.

Agencies and routes we confirmed

StateAgencyHow to join (as reported)Premium reported
EdoEdo State Health Insurance Commission (EDOHIC)Choose Informal or Formal Sector plan, register at edohic.edostate.gov.ng/user/register, pay, submit form with ID, NIN, photo; facility assigned; 30-day waitNot published on its policy page
AnambraAnambra State Health Insurance Agency (ASHIA)ashiang.org or USSD *6700*001; groups via markets and unions₦12,000 a year (Aug 2025)
EnuguEnugu State Agency for Universal Health CoverageEnrol with the agency; pay at once or by instalments₦12,000 a year, or ₦200 a day for 60 days or ₦400 a day for 30 days (May 2026)
KanoKano State Contributory Healthcare Management Agency (KSCHMA)Formal workers through employers; informal enrolment launched statewide Dec 2025Not stated in the report
OyoOyo State Health Insurance Agency (OYSHIA)Enrol with OYSHIA and choose an accredited primary facility₦13,500 a year (Mar 2024)

Premiums change, and the dates show how old each figure is. Confirm today's premium with the agency before paying. Our state guides go further: Edo, Anambra, Enugu, Kano, Oyo and Lagos.

Who may be covered free

Enugu, for example, reported in May 2026 that pregnant women, children under five, persons with disabilities, people aged 85 and over and the extremely poor could enrol free under a state and federally funded programme. Ask your state agency whether you or a dependant qualify.

States not in the tables

For the other states we did not open an agency page or a dated report, so we do not list agency names, premiums or links for them here. Every state has enrollees in the NHIA count, which means a state scheme exists to approach. The quickest ways to reach it are the state government's website, the state ministry of health, a nearby public primary health centre, which will usually know the local enrolment desk, or the NHIA's own offices and call centre. When you find the agency, ask for its premium, accredited facilities and waiting period in writing.

How to join in any state

  1. Work out your route: if your employer is in the NHIA formal programme or a state formal scheme, ask HR; if you are self-employed, go to the state agency.
  2. Find your state agency through the state government or ministry of health website, or the NHIA.
  3. Choose a plan and an accredited primary facility near home or work.
  4. Have your NIN, a valid ID and a passport photograph ready; formal plans may ask for proof of employment.
  5. Pay the premium through the agency's official channel and keep the receipt.
  6. Note any waiting period before cover starts (30 days in Edo) and the renewal date.

Worked example: budgeting for a family

Example only, using Enugu's reported ₦12,000 annual premium and assuming each person pays it. A trader enrolling herself, her husband and three children would pay 5 × ₦12,000 = ₦60,000 a year, or ₦5,000 a month if she sets aside the same amount monthly. Using the ₦200-a-day option for one person costs 60 × ₦200 = ₦12,000, the same total spread over two months.

What to check first

  • Whether your employer already covers you, to avoid paying twice.
  • Which hospitals are accredited near you.
  • Co-payments, such as the 10% on drugs and laboratory tests in Edo.
  • How to complain; the NHIA FAQ lists its offices, HMOs and call centre.

Where Pryme fits

A Flexible Savings Box can hold the premium as you set it aside through the year, and your Personal Assistant can remind you when renewal is due; nothing is paid without your approval.

Questions people ask

Does every state in Nigeria have a health insurance scheme?

NHIA data reported by Nairametrics counted state scheme enrollees across all 36 states and the FCT at the end of 2025. Contact your state agency to enrol.

How much is state health insurance in Nigeria?

It varies by state. Reported informal-sector premiums include ₦12,000 a year in Enugu (May 2026) and Anambra (August 2025), and ₦13,500 in Oyo (March 2024). Confirm with your agency.

How do I register for state health insurance?

Through your state agency, online or at its office or an accredited facility, with your NIN, ID and photograph; formal workers often enrol through their employer.

What is the difference between NHIA and state health insurance?

NHIA runs federal programmes such as the formal sector programme and TISHIP and regulates the system; state agencies run schemes for residents, including informal-sector workers.

Sources

  1. Nairametrics: Top 10 Nigerian states with the largest health insurance coverage in 2025 (2 Jul 2026, NHIA data) · accessed Oct 2026
  2. NHIA: Frequently asked questions · accessed Oct 2026
  3. Edo State Health Insurance Commission: Insurance policy · accessed Oct 2026
  4. AllAfrica: Enugu seeks more enrollees into state universal health coverage (13 May 2026) · accessed Oct 2026
  5. Nigeria Health Watch: ASHIA cracks the code on health insurance for Anambra's informal sector (11 Aug 2025) · accessed Oct 2026
  6. Peoples Gazette (NAN): Kano health insurance agency enrols 933,000 residents (13 Dec 2025) · accessed Oct 2026
  7. Radio Nigeria Lagos: UHC: Oyo targets informal sector, insists on mandatoriness in health insurance (23 Mar 2024) · 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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