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 All diasporaBusiness operations and agents · 71 articles
What to check before choosing accounting software for a business with naira and foreign currency accounts: NGN support, plan tiers, VAT and bank data.
What an AI agent can request, file and flag when collecting expense receipts from staff in Nigeria, and the decisions that should stay with a person.
How an AI agent tracks overdue invoices from Nigerian customers and drafts reminders you approve, plus the records to keep in case of court.
What an AI agent can draft for a Nigerian business's monthly management accounts from bank data, and what still needs an accountant's review.
How an AI agent compares a Nigerian payroll with headcount, last month and tax rules to flag errors, ghost staff and odd deductions first.
What an AI agent can prepare when it reconciles naira, dollar, pound and euro accounts, and the decisions an owner abroad should keep for a person.
How to set spending limits for staff in a Nigerian business you run from abroad: tiers, who approves, what escalates and how to keep it workable.
Payment and spending approval workflows that stop a Lagos team waiting for an owner abroad: set limits, cut-off times and a deputy, without losing control.
The CAMA 2020 small company test, why a foreign shareholder rules out audit exemption, and what an exempt company still files with CAC and NRS.
How to set a monthly naira budget for a Nigerian operation, report actuals against it, and review the variances that matter from abroad in under an hour.
How to build a rolling cash flow forecast when your costs are in naira and your income is not, using scenario rates rather than a single guess.
How cameras and sales records together cut losses in a Nigerian shop you rarely visit, and what the Nigeria Data Protection Act expects of you.
When your Nigerian manager resigns, the order matters: freeze their access, pass a board resolution, file the bank mandate, then clean up every login.
How to pick a year-end for a Nigerian company that fits your accounts abroad, and the tax, AGM and CAC deadlines that follow from the date you choose.
Monthly and annual deadlines for a Nigerian company run from abroad in one list: PAYE, WHT, VAT, pension, company tax, CAC and data protection returns.
Translation and consolidation basics for a parent abroad with a Nigerian subsidiary: functional currency, closing and average rates, and intragroup items.
The tests Nigerian courts apply to decide whether a worker is a contractor or an employee, and what it costs a business when it gets the label wrong.
How to set limits, channel and merchant blocks and receipt rules on a company card held by your manager in Nigeria while you are abroad.
How to process naira refunds to Nigerian customers so they reconcile: credit notes, refunding to the original method, approvals and what consumer law says.
How to set and check daily cash deposits from a Nigerian shop run by staff while you are abroad: counts, lodgement slips, matching and red flags.
The steps from demand letter to small claims or High Court for collecting business debts in Nigeria, the time limits, and how a judgment is enforced.
How initiator and authoriser roles work on Nigerian corporate internet banking, how to set rules and limits, and how to run them across time zones.
What a written statement of terms must contain under Nigeria's Labour Act, when it must be given, and which other rules belong in the contract.
Receipt standards and an expense policy for Nigerian staff that work for an owner abroad: what a valid receipt shows, VAT invoices and approval rules.
How a foreign loan to a Nigerian company is documented with a Certificate of Capital Importation, why it matters for repayment, and tax on interest.
The documents Nigerian banks ask for before selling FX to a business: Form M for imports, Form A for services, and what changed in the 2026 manual.
Forwards, naira-settled futures and natural hedges explained for small firms with Nigerian costs or revenue, with what each needs and what it costs you.
What to check before hiring an accountant in Nigeria from abroad: ICAN or ANAN membership, FRC registration, the engagement letter, scope and fees.
How HMO plans for staff work in Nigeria, what one HMO's published small-business prices were in October 2026, and what to check before you sign.
What a Nigerian supplier invoice must show before you claim input VAT under the 2025 Act, what you can now recover, and the five-year limit.
How to set up intercompany agreements, invoices and settlement between a Nigerian company and one abroad: VAT, withholding tax, stamping and FX.
How to run cycle counts and surprise counts in a Nigerian warehouse from abroad, reconcile them with sales and purchases, and act on what the gaps show.
How management fees paid by a Nigerian subsidiary to a parent abroad are taxed and remitted: 10% WHT, deductibility, NOTAP limits and bank documents.
The monthly report pack an owner abroad should ask a Nigerian manager for: cash, bank, sales, debtors, payroll, tax remittances and the questions to ask.
How to keep one set of books when money moves in naira and pounds, dollars or euros: choosing the functional currency, ledgers and monthly reconciliation.
When the Nigeria Data Protection Act lets you move Nigerian staff data abroad: adequacy, safeguards, consent and other bases, and the records to keep.
What a Nigerian statutory auditor will ask for, which records must stay in Nigeria, and how to give remote access without losing control.
The minimum annual leave, sick leave and maternity rights under Nigeria's Labour Act, how pay is worked out, and what employers commonly add on top.
When people working in Nigeria for a foreign company can give it a taxable presence there, the tests PwC sets out, and the usual ways to manage the risk.
Which agreements need NOTAP registration before a Nigerian company can pay fees abroad, the documents, the 30-day filing rule and why banks ask for it.
A checklist for removing bank, system, data and premises access when a staff member leaves your Nigerian business, plus final pay and handover steps.
Contractor, employer of record or your own Nigerian company: how each route works for paying people in Nigeria from a business abroad, and the risks.
PAYE goes to the state where each employee lives, not where your office is. How the residence rule works under the Nigeria Tax Act 2025.
What Nigerian rules say about paying local contractors in foreign currency, and how paying from abroad differs from paying from a Nigerian company.
A monthly payroll routine for owners abroad: funding the naira account in time, PAYE, pension and NSITF deductions, payslips and who approves what.
When a Nigerian employer must run the contributory pension scheme, the 10% and 8% minimums, the seven-working-day deadline and group life cover.
How to run petty cash in a Nigerian office you manage from abroad: a fixed float, a daily log, vouchers, top-ups against receipts and surprise counts.
How to match POS terminal sales to the settlements your bank pays, read the charges, and chase a missing settlement with the details acquirers ask for.
How to budget power and internet for a Nigerian office: Band A tariffs, diesel, solar, Starlink and mobile data, with labelled worked examples.
Controls that stop staff fraud in a Nigerian business you own from abroad: split duties, checked payees, cash rules and the reviews that catch it.
What to keep, and for how long, when your business runs in Nigeria and abroad: tax, payroll and company rules on both sides, compared in one table.
How to read and post the small debits on a Nigerian business statement: bank fees, VAT on fees, the ₦50 transfer stamp duty and old EMTL lines.
When withholding tax is due, which office gets it, what the vendor's receipt shows, and how an owner abroad keeps WHT on time.
How often to reprice a naira price list when your costs are in dollars, pounds or euros, with a formula, a worked example and the pricing rules that apply.
How to revalue naira cash, receivables and payables at month end under IAS 21, with labelled journal examples for a UK company and a Nigerian company.
Why bulk salary payments to Nigerian staff fail, how to find out which ones failed, and how to get everyone paid the same day without paying twice.
How SIM swap fraud targets Nigerian business banking through the authoriser's phone line, the CBN-NCC response, and how to protect your approvals.
How to document a staff loan or salary advance for a Nigerian employee when you run the business from abroad: the agreement, Labour Act limits and records.
Since 1 January 2026 every taxable person in Nigeria needs a Tax ID linked to their NIN. How employers collect and check staff Tax IDs.
How to set per diems, approvals and receipt rules for Nigerian staff who travel for the business, and how allowances and reimbursements differ.
Which agreements attract stamp duty under the Nigeria Tax Act 2025, the 30-day window, the late penalty, and why unstamped contracts fail in court.
The monthly and yearly due dates for PAYE, pension, NSITF and other remittances a Nigerian employer must meet, with the penalties for missing them.
How a controlled supplier master file stops fake vendors and changed bank details in a Nigerian business: what to record, who can edit it and how to check.
How to batch, approve and record a weekly supplier payment run for a Nigerian business from abroad, including withholding tax, stamp duty and records.
The Labour Act notice periods, what redundancy requires in Nigeria, why there is no fixed statutory redundancy pay, and how courts treat dismissals.
No Nigerian statute requires a 13th-month salary, but a contract term or years of paying it can make it owed. How to write a clear bonus policy.
How Nigerian transfer pricing rules apply when you own companies in Nigeria and abroad: arm's length pricing, declarations, documentation and penalties.
When a business based abroad must register for Nigerian VAT under the 2025 tax Acts, what the reverse charge means, and how registration works.
Why banks, auditors and partners abroad ask for receipts they can check, what makes a document trustworthy, and where verifiable receipts fit.
Why auditors and lenders want bank statements they can check are genuine and unaltered, how Nigerian law treats them, and how to provide them.
Official rate, your bank's actual rate or an average: how to choose a naira rate for bookkeeping under IAS 21, and why writing the policy down matters.
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