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 · Government schemes
Loans

Government loans for women in Nigeria: federal and state schemes

Where federal and state credit has set aside money for women, from the CBN's MSMEDF 60% quota to state women funds, and how to apply.

PE
Pryme editorialLoans desk · 19 Oct 2026 · 4 min read
The short answer

The largest documented federal quota for women is in the CBN's Micro, Small and Medium Enterprises Development Fund, which reserved 60% of its ₦220 billion for women entrepreneurs, lent through banks and microfinance banks. States run their own women's funds and windows, usually through the ministry of women affairs or the state enterprise agency. In every case you apply through a named institution and repay a loan; fees paid to individuals are a sign of fraud.

Women run a large share of Nigeria's small businesses, from market stalls to salons and food processing, yet often have less collateral to offer lenders. Several public schemes have tried to correct this with quotas or women-only windows. This guide covers what we could confirm, how these schemes reach borrowers and how to apply without losing money to fake portals.

The federal quota: the CBN's MSMEDF

The CBN's Micro, Small and Medium Enterprises Development Fund was set up with seed capital of ₦220 billion. According to reporting of the CBN's guidelines in July 2020:

FeatureWhat it said
Share reserved for women60%
Persons with disabilities2% of the wholesale component
Start-ups10%
How funds reach borrowersWholesale to participating financial institutions, including microfinance banks
Commercial component90% of the fund; micro and SME lending at a 50:50 ratio

The key practical point is that you do not apply to the CBN. You apply to a participating bank or microfinance bank, which assesses you and lends. Ask a microfinance bank directly whether it has a fund-backed product for women and what its current terms are. Because the reporting dates from 2020, check the CBN's current guidelines before relying on the quota.

Other federal schemes that included women

  • Targeted Credit Facility (2020): open to households and SMEs hit by COVID-19, through NIRSAL MFB; up to ₦3 million for households. It is a loan, and repayment is now being pursued; see TCF repayment.
  • TraderMoni: interest-free loans for market traders; status unconfirmed as at October 2026; see TraderMoni.
  • YouthCred (2025): CREDICORP's consumer credit for ages 18 to 39, open to young women on the same terms as men.
  • SMEDAN grants: open to registered MSMEs, including women-owned ones.

State women's funds

Many states run women's empowerment funds or reserve a share of their MSME schemes for women. They are usually found through:

  • The state Ministry of Women Affairs.
  • The state's enterprise, employment or SME agency.
  • The cooperative department, since many women's schemes lend through cooperatives.
  • Any office that announces an empowerment programme; ask which ministry or bank actually disburses.

See our method for finding your state's scheme and confirming it is official.

How to apply: a checklist

  1. Register your business with SMEDAN and, if you can, with CAC; see getting the SMEDAN number.
  2. Keep a bank account in your own or your business's name, with trading income flowing through it.
  3. Join or form a cooperative or association; many women's windows lend through groups.
  4. Ask the bank or ministry for the written terms: amount, rate, fees, tenor and what happens if you miss a payment.
  5. Never pay a 'processing' fee to a person to be 'shortlisted'.

A worked example

Example only. Halima sells grains in Kaduna. Her cooperative is offered a group loan through a microfinance bank under a women's fund. She borrows ₦300,000 at a stated 2% a month flat over 6 months. Interest is ₦300,000 × 2% × 6 = ₦36,000, so she repays ₦336,000, or ₦56,000 a month. Before accepting she compares that with her cooperative's own rate, using our guide to flat fees and APR.

Grant, loan or in-kind support?

Women's empowerment programmes come in three forms, and it pays to know which you are applying for:

Grant
Money you do not repay, usually small and competitive. Example: SMEDAN's 2020 conditional grant of up to ₦50,000 per registered MSME.
Loan
Money you repay, sometimes at a subsidised rate. Example: fund-backed microfinance loans under the MSMEDF, or the 2020 TCF at 5% then 9% a year.
In-kind support
Equipment such as sewing machines, grinders or freezers, sometimes with training. Ask whether you must repay its value.

Many women have been surprised years later to find that an 'empowerment' payment was a loan. The TCF is the clearest case: some beneficiaries treated it as a palliative, but the CBN's guidelines set interest and a tenor, and deductions were reported in 2026. Before you accept any money, ask for the written terms and keep a copy.

If you have a disability

The MSMEDF reporting also noted 2% of the wholesale component for economically active persons living with disabilities. Ask participating institutions about this window as well.

Group lending: read the joint liability clause

Many women's schemes lend to groups, where members guarantee one another. That makes approval easier, but if one member stops paying, the others may have to cover her share or lose access to the next loan. Before joining, ask how the group handles a member who defaults, and whether your own savings with the cooperative can be used to cover someone else.

Where Pryme fits

Women running businesses in Lagos, Abuja and Port Harcourt in sectors such as grocery, eateries, salons and pharmacies can open a Pryme Business Account and apply to join Spaces, which helps lenders and schemes see a clear record of trading.

Questions people ask

Are there government loans for women in Nigeria?

Yes. The CBN's MSMEDF reserved 60% for women, lent through banks and microfinance banks, and many states run women's funds through their women affairs ministries or enterprise agencies.

How do I apply for the CBN women's fund?

You apply to a participating bank or microfinance bank, not to the CBN. Ask the bank whether it has a fund-backed product and what its current terms are.

Are women's empowerment loans interest-free?

Some state schemes are low-interest or interest-free; fund-backed bank loans usually charge interest. The written offer will show the rate.

Do I need a cooperative to get a women's loan?

Not always, but many state and fund-backed schemes lend through cooperatives and associations, so membership can help.

Sources

  1. Nairametrics: CBN reserves 60% of N220 billion MSMEs fund for women (19 Jul 2020) · accessed Oct 2026
  2. CBN: Guidelines for the N50 billion Targeted Credit Facility (March 2020) · accessed Oct 2026
  3. Channels TV: FG to restart TraderMoni scheme in November, earmarks N50,000 per trader (8 Oct 2023) · accessed Oct 2026
  4. NALTF: Federal Govt introduces YouthCred, a national consumer credit scheme for Nigerians aged 18–39 (9 Aug 2025) · accessed Oct 2026
  5. MSME Africa: How to register your small business with SMEDAN to access grants and other benefits (14 Aug 2020) · 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 Government schemes

Loans

Youth loans in Nigeria: federal, state and bank schemes

A map of youth loan routes in Nigeria, from YouthCred and NYIF to BOI, state funds and bank products, with the age cut-offs we could confirm.

PEPryme editorial · Loans desk19 Oct 2026 · 4 min
Loans

YouthCred: CREDICORP's loan for Nigerians aged 18 to 39

What YouthCred is, who qualifies, what it can pay for and how onboarding works, from what CREDICORP's scheme has published, with the gaps marked.

PEPryme editorial · Loans desk19 Oct 2026 · 4 min
Loans

YouthCred or NELFUND: which youth credit fits you

Two federal credit schemes for young Nigerians with different jobs: NELFUND for higher education costs, YouthCred for consumer purchases.

PEPryme editorial · Loans desk19 Oct 2026 · 4 min