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 Make moneyBudgeting by income · 40 articles
The 50/30/20 rule applied line by line to ₦150,000 a month in Nigeria, where it breaks, and a split that fits local prices.
A quarterly method for re-setting your budget as prices move, using NBS CPI releases as a check and a worked three-month review.
A worked ₦1 million monthly budget for Nigeria, with PAYE under the 2026 bands, savings and investment share, and lifestyle creep.
A worked ₦100,000 monthly budget for Nigeria, with a food basket priced from NBS averages and yearly rent set aside each month.
A worked ₦150,000 monthly budget for Nigeria, with yearly rent turned into a monthly line and a realistic 10% savings rate.
A worked ₦200,000 monthly budget for Nigeria built around saving steadily and a three-month emergency fund in about a year.
A worked ₦250,000 monthly budget for Nigeria, focused on the two lines that break it most often: power and transport costs.
A worked ₦300,000 monthly budget for Nigeria with a separate line for yearly costs such as festive travel and phone repairs.
A worked ₦400,000 monthly budget for a single parent in Nigeria, with yearly rent and school fees turned into monthly lines.
A worked ₦500,000 monthly budget for Nigeria: how to stop lifestyle creep and split savings into emergency, yearly and long-term pots.
A line-by-line ₦70,000 monthly budget for Nigeria: rent share, food, transport, data, family and savings, with the trade-offs.
A worked ₦750,000 monthly budget for a Nigerian family of four: rent, two sets of school fees, a car, household help and savings.
How newly married Nigerian couples can combine incomes, handle rent and family support, and set a savings target, with a worked example.
How to set a japa savings target from UK proof-of-funds rules, split a ₦800,000 salary to reach it, and choose which currency to hold.
A labelled monthly plan for a corps member on the ₦77,000 federal allowance, then the same plan when a PPA adds a stipend on top.
Labelled first-year baby costs in Nigeria, from antenatal care and delivery to immunisation, feeding and childcare, with a savings timeline.
State schemes, employer NHIA cover, private HMO plans or paying as you go: published prices, what they leave out, and the reserve line to add.
What NELFUND pays for upkeep, how and when it arrives, and a labelled plan for making ₦20,000 a month stretch alongside other support.
Full pooling, equal split or proportional shares: how Nigerian couples can fund shared bills fairly, with a worked naira example and the checks to make.
Turn daily or weekly earnings into a monthly plan, set aside rent each working day, and handle slow weeks, with worked examples for a driver and a trader.
A small-step plan to save one month of essential costs on the ₦70,000 minimum wage, where to keep the money, and what to do while it is still small.
How to run the envelope budget with cash or separate savings pots, a worked ₦180,000 example, the rules that make it stick, and where it falls short.
A worked first-salary budget: deductions under the 2026 tax rules, staying at home versus renting, transport costs, and how to start saving from month one.
Per-person monthly food figures built from NBS price data, adjusted for cooking at home, buying lunch or eating out, with tips to keep the basket down.
Three worked savings scenarios for a corps member on the ₦77,000 allowance, with and without PPA pay, and what to aim the money at.
The one-third rule in the Labour Act, debt-to-income bands, how lenders size salary loans, and a worked example of what a payday loan costs in naira.
Savings percentages by income level and number of dependants, worked naira examples, what your pension already covers, and where to keep the money.
A labelled single-person budget on ₦200,000 take-home: yearly rent spread monthly, transport, food and utilities, and the trade-offs that make it hold.
How a CPS programmed-withdrawal pension is worked out, a labelled ₦85,000 monthly budget for a retiree, where to cut, and ways to add to the income.
A labelled ₦650,000 budget for two adults and two children: rent and school fees spread monthly, food, power, health cover and a savings line.
A method to estimate your retirement income need from today's spending, adjust it for inflation, and turn it into a savings target, with a worked example.
Use standing orders, scheduled transfers, app auto-save and voluntary pension to move savings out on payday, with timing tips and a worked example.
Labelled monthly pocket money figures by university type and city, built from NBS food and transport prices, plus what the NELFUND upkeep covers.
How PenCom's two retirement options work, how each monthly pension is worked out, and who tends to come out ahead, with a worked naira example.
Pension, annuity, rent, interest and dividends compared: how each is paid to a Nigerian retiree and how the Nigeria Tax Act 2025 treats it.
How to turn rent, school fees, car repairs and other yearly costs into a fixed monthly set-aside, with a full naira table and catch-up formula.
A three-to-four account system for bills, spending, savings and family support, with percentages, a ₦350,000 worked example and transfer costs.
A labelled ₦60,000 monthly plan for an undergraduate covering feeding, data, transport and printing, plus how to ask parents for the right amount.
Use bank alerts, a notebook and a weekly tally to see where your naira goes, with seven spending categories and a fully worked example week.
Give every naira of take-home pay a job before the month starts, including black tax, school fees and other irregular costs. Worked ₦420,000 example.
You can add the other type later — many of our customers hold both.
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