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.
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.













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.




Evayour assistant
DanielChief of Staff
BenFinance
BruceCareYour 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.
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.
₦100,000 from day one · agreement v2.1 · 12 Aug · View
Eva waits for your rate and asks before she moves anything.
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.
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 numberTo this account, from any bank app. We watch it, and the page updates itself.
₦26,767.50 from GTBank · John D., matched to order ORD‑1042.
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.
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.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.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.Goes back to the buyers who went quiet, with the receipt already attached.
Recovered ₦410,000 across three overdue invoices.Replies, follows up on what they asked for and hands you only the ones that need you.
Resolved 4 conversations — two deliveries, one refund.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.
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.
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.
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.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.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.Goes back to the buyers who went quiet, with the invoice and the receipt already attached.
Recovered $12,400 across three overdue invoices.Replies, follows up on what they asked for and hands you only the ones that need you.
Resolved 4 conversations — two deliveries, one refund.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.
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.
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.
Solid Allianze acquired — an existing bank with an existing licence. The perimeter stopped being someone else’s to draw.
More than one currency on one balance, and the rebrand to Pryme. A Nigerian business could hold dollars without holding a second institution.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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
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.
How multi-currency business accounts work: local details vs SWIFT, payment rails, the real cost of FX, safeguarding vs deposit protection, and hedging.
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.
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.
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.
What we are building, what the regulation actually says, and how we think about letting software act on money.
All of Savings & investingApps compared · 60 articles
ALAT Goals explained: the seven goal types, how to set one up, where ALAT shows the current interest rate and what to know about withdrawals.
How to open an ARM Investment Managers account online or by form, ways to pay, the ₦5,000 Money Market Fund minimum and how redemptions work.
How the ARM Money Market Fund works, what its factsheet says about minimums and fees, how to subscribe and redeem, and where to see today's yield.
Bamboo's published deposit and withdrawal fees, minimums and timings, what it does not publish on trades and FX, and a worked cost example.
What sits behind Bamboo Fixed Returns, the tenors and minimum, how the rate is shown, and what breaking early costs, from Bamboo's own help page.
Licences, custody, commissions, deposit and withdrawal fees for Bamboo and Trove, plus what we could and could not confirm about Hisa.
What Carbon's 12-month Cash vault requires, what its page says about flexible saving and early exit, and a notice on withdrawals to read first.
How Carbon Microfinance Bank prices its Cash vault savings, why the headline rate is an "up to" figure, where the live rate shows, and payout rules.
What has been reported about Chaka's June 2026 rebrand to Hisa, what existing investors keep, what is still unconfirmed, and what to check now.
How to reach Cowrywise support, what to include so it can act quickly, how to trace a stuck withdrawal, and where to escalate if it is not resolved.
Where Cowrywise's savings rates come from, why your plan's rate is fixed once created, how daily interest works, and where to see today's rate.
What each Cowrywise savings plan does, which ones lock your money until maturity, which earn interest, and which plan suits which kind of goal.
Buying a money market fund direct from Stanbic IBTC or through Cowrywise: minimums, fees, holding periods and redemption times compared.
How money leaves Cowrywise through Stash, the 24-hour window and fees, why locked plans cannot be broken, and what to do if a withdrawal stalls.
What the FBN Money Market Fund holds, its listed minimum, fees and exit charge, how to subscribe and redeem, and where to see the yield today.
Why savings app rates track Treasury bills, fund yields and the CBN policy rate, what the app keeps, and why the rate on your screen keeps changing.
Picking, funding and redeeming a mutual fund on Cowrywise: what a fund is, where its price and fees show, and how redemption reaches your bank.
Hisa replaced the Chaka app in 2026. How to sign up, verify, fund and buy Nigerian Exchange shares, what it charges and what to check first.
Opening a Stanbic IBTC Asset Management account, paying in with your e-account number, topping up in the app, and the minimums to check.
Parthian Partners' i-invest app sells T-bills from ₦10,000. How sign-up and KYC work, the purchase steps, and what to confirm before you buy.
Opening a Bamboo account, verifying identity, funding in naira or dollars, the deposit fees, and placing a first US share order, step by step.
Funding Risevest in naira or dollars: the routes reported, the rate you are shown, why your own card matters, and what to check first.
ALAT’s fixed-deposit-style options are Fixed Goal and Lock up Goal. Steps to set one up, what Wema publishes on minimum, tenor and rate.
What Parthian's i-invest publishes on fees, minimum amounts and withdrawals, what it does not, and how to find the real cost before you invest.
Bamboo's SEC Nigeria status as a digital sub-broker, where your US shares are held, what SIPC means, and the questions worth asking before you invest.
Cowrywise's SEC licence category, the trustee that holds investors' money, what that means if things go wrong, and how to check it yourself.
OPay says OWealth is powered by OPay Microfinance Bank. What that means for NDIC cover, what OPay does not disclose, and the questions to ask.
PalmPay is a CBN-licensed mobile money operator and says every deposit is NDIC-insured. What that cover means for CashBox, and what PalmPay does not say.
PiggyVest's terms name Piggytech Global Limited and unnamed banking partners. What its pages say on licences, custody and NDIC cover.
Risevest’s subsidiary RV Fund Management Ltd won an SEC fund and portfolio manager licence in February 2026. What that means for your money.
Trove bought UCML Securities and renamed it Innova Securities, an SEC-licensed broker-dealer. What that changes, and how custody has worked.
Break a Kuda Fixed Savings plan early and you keep your principal but lose the interest earned so far. The rules, an example and the alternatives.
How interest builds on Kuda's Spend+Save, Flexible and Fixed plans, when it is paid, the 10% tax, and where the current rate appears in the app.
Kuda and OPay savings side by side: products, how interest is paid and shown, lock and withdrawal rules, tax and NDIC cover for each.
Moniepoint Fixed runs 1, 3, 6 or 12 months with no top-ups; Target allows a partial withdrawal. What breaking either costs, and what to check.
Moniepoint does not publish one savings rate. How the rate differs by plan and tenor, where the app shows it, and how tax and payout work.
OPay Fixed is a lock-in plan powered by OPay Microfinance Bank. What OPay publishes, what it leaves to the app, and how to judge early withdrawal.
OPay's Target savings helps you save towards a goal. How to plan the amount and frequency, what OPay leaves to the app, and the rules to check.
OWealth pays daily interest while your money stays accessible. How a daily rate is worked out from a yearly one, where OPay shows it, and what to check.
OWealth and CashBox both pay daily interest. Here is where each holds the money, how rates are shown, withdrawal rules and what NDIC covers.
CashBox is PalmPay's flexible savings wallet. How a yearly rate turns into daily earnings, where PalmPay shows the current rate, and how to withdraw.
PalmPay lists Fixed Savings but publishes few terms online. How to read the tenor and early-exit rules in the app, with a costed example.
The phone, email and social handles PiggyVest publishes, what its terms say about disputes, and where to go if a complaint stalls.
PiggyVest sets its own rates for Flex Naira, Piggybank, Safelock and Targets. Where each rate appears, how interest accrues, and what cancels it.
Investify lists third-party fixed-income and equity offers. What PiggyVest says about vetting, exits and fees, and the questions to ask first.
Flex Naira is the withdrawable wallet; Safelock locks money until a date you choose. The rules for each, and which goals suit which.
Personal, Public Group and Private Group Targets on PiggyVest: how to set one up, how interest is paid, and what breaking early costs.
PiggyVest and Cowrywise compared on licences, who holds funds, lock rules, withdrawal times and fees, and how clearly each shows its rates.
The four quarterly free dates for Piggybank, what an off-date withdrawal costs, the Flex rules, and when a Safelock can be broken early.
What is on record about Risevest’s costs: its own buy and sell rates, refund charges and timings, and the fee details to confirm in the app.
Risevest offers US Stocks, US Real Estate and Fixed Income plans. What each asset class is, how it behaves, and what to confirm about locks.
Managed plans or picking shares yourself: Risevest and Bamboo compared on licences, published fees, withdrawals and what suits a beginner.
Where Kuda, PiggyVest, Cowrywise, OPay, PalmPay, ALAT and fund managers show their current savings rates, and how to compare them fairly.
How referral and welcome bonuses on Nigerian savings apps work, the deposit, lock and expiry conditions attached, and when an offer is a warning sign.
How long PiggyVest, Cowrywise, Bamboo, Stanbic IBTC and ARM say withdrawals take, with minimums, daily caps and fees from their own pages.
Where SEC Nigeria lists registered capital market operators, what each entry shows, and step-by-step how to verify an investment app before you pay.
Stash is the savings feature inside Sparkle, a CBN-licensed microfinance bank. What it offers, how NDIC cover applies, and what to check in the app.
What the Stanbic IBTC Money Market Fund holds, its fees and holding period, how redemptions work, and where to find the current yield.
What Trove offers for US and Nigerian shares, how a purchase works, the costs to look for, and the fee details to confirm in the app.
NDIC covers bank deposits, not every app. How MFB-based apps, mobile money operators and SEC-regulated fund apps are treated, and the limits.
You can add the other type later — many of our customers hold both.
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