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 LoansBank loans · 45 articles
Minimum age, the maximum age at the end of the loan, how retirement caps your tenure, and what pensioners and older borrowers can still do.
How Nigerian banks finance cars and equipment: the asset as security, the equity you put down, insurance, tenures and a worked cost example.
Every document a Nigerian bank asks for on a business loan, from CAC records to management accounts, collateral and guarantors, and how appraisal works.
How Nigerian parents fund foreign tuition with a bank loan: a naira loan paid out via Form A, FX availability, the charges and the papers you need.
What a bank guarantee or bond is, when tenders and contracts ask for one, how cash cover and commission work, and the steps to get one issued.
Why an approved bank loan has not reached your account yet: the conditions precedent to drawdown, who does what, and how long each step usually takes.
Every fee on a Nigerian bank loan under the CBN Guide to Charges: management fee caps, insurance, legal costs, penal charges and how to total them.
The costs of valuing, registering and insuring collateral on a Nigerian secured loan, who usually pays them and how to budget for them.
The clauses in a Nigerian bank loan offer letter that decide your real cost and risk, with questions to raise before you sign.
The common reasons Nigerian banks decline loans, from bureau records to irregular income, your right to know why and how to fix each one.
How long Nigerian banks lend for by product, from salary advances to car loans, and how tenure changes your monthly repayment and total cost.
How a bank loan top-up works in Nigeria: when banks allow it, how the old balance is settled, which fee applies and what restarting the tenure costs.
Bank loans and loan apps compared on price, tenure, limits, speed and how they recover money, with a worked ₦100,000 example and what to check.
The documents Nigerian banks ask for on a personal loan, why salary domiciliation matters, and the checks a bank runs before it makes you an offer.
How Nigerian bank USSD loans work on a basic phone: how a limit is offered, how you accept with your PIN, how repayment is taken and what to check.
Which Nigerian bank products lend to small businesses without property security, what they rely on instead and the costs to check first.
Why Nigerian banks stopped lending naira against dollar balances in 2024, the exceptions the CBN kept, and your options if you hold FX but need naira.
How registered cooperatives borrow from banks in Nigeria, the documents banks ask for, and how to on-lend to members without putting the society at risk.
How to check what your bank may lend you before applying: app and USSD eligibility checks, what they test, and why a figure on screen is not yet an offer.
The security types Nigerian banks take for loans, how valuation and perfection work, what they cost, and why some land titles are turned down.
How banks and other lenders fund the cost of delivering a signed contract, why they insist on domiciliation of payments, and the documents you need.
What credit life insurance covers on a Nigerian bank loan, who gets paid, how the premium is worked out and whether you can use your own cover.
How manufacturer-backed distributor finance works in Nigeria: who qualifies, how limits follow your purchase history, how repayment runs and what to check.
How the CBN's MPR, banks' funding costs and your risk profile combine into the rate you are offered, and where the CBN publishes lending rates each month.
From application to money in your account: the stages a Nigerian bank loan passes through, which products are fast, and what causes the delays.
What Nigerian banks need before issuing a naira credit card, how limits are set, fees and interest on one bank's card, and how repayment works.
Who qualifies for a bank overdraft in Nigeria, how interest is charged daily on the amount used, what to submit and what to check first.
How Jaiz Bank's non-interest financing works: Murabaha cost-plus sales, leasing and partnership structures, who qualifies and where to see the real price.
How cash-backed loans against a fixed deposit work in Nigeria: the lien, how much you can borrow, how the rate is set and when it beats breaking it.
How share-backed loans and margin lending work in Nigeria: haircuts, maintenance margin, margin calls, the 2010 rules and what to check before you pledge.
What a moratorium on a Nigerian loan is, why interest usually keeps running during it, and how it changes what you repay afterwards.
Whether you can hold loans with two Nigerian banks, how bureaus and GSI reveal them, and how a second loan changes what you can borrow.
The documents Nigerian microfinance banks ask for, how group and individual loans differ, and what to check before you sign with an MFB.
How MFB loans differ from commercial bank loans in Nigeria: loan sizes, pricing, speed, collateral, regulation and when an MFB is the better choice.
How group loans at Nigerian microfinance banks work: forming a group, the mutual guarantee, meeting-based repayment and what happens on default.
How Jaiz Bank, TAJBank and Lotus Bank structure non-interest finance, what each publishes about its products, and what applicants need.
Whether pawnbroking is legal and licensed in Nigeria, what Lagos law says about pledges, and how jewellery-backed borrowing happens in practice.
How bank payday loans, salary advances and personal loans differ on tenure, pricing and eligibility, with one bank's published terms worked through.
What the prime and maximum lending rates the CBN publishes mean, why your loan costs more than prime, and where to see the current figures.
How salary history at a Nigerian bank drives loan offers, the minimum periods banks publish, what counts as salary and how to plan a move.
How bank school fees loans work in Nigeria: paying the school directly, tenures matched to the term, who qualifies, documents and a worked cost example.
What happens to existing loans when you move your salary to another Nigerian bank, how long before a new loan is offered and the employer steps.
How term loans, overdrafts and revolving credit differ in drawdown, how interest is worked out, and which suits salary earners or businesses in Nigeria.
Nigerian banks’ USSD loan codes as shown on their own pages in October 2026, which codes we could not confirm and how a USSD loan is accepted.
Nigerian banks whose own pages show credit cards as at October 2026, the card types and terms they publish, and how to check a bank we could not confirm.
You can add the other type later — many of our customers hold both.
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