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 LoansBy need · 50 articles
Who lends ₦1 million to individuals and small businesses in Nigeria, the documents and tenor to expect, and a worked repayment example.
What banks, Bank of Industry and DBN partner banks ask for at ₦10 million: CAC papers, accounts, security, and how long the process takes.
Where to borrow ₦100,000 in Nigeria, what each lender type needs, worked repayments, and why app and bank pricing differ so widely.
Which Nigerian lenders offer personal loans over 12 to 36 months or more, what they require, and how the monthly repayment is calculated.
What income, turnover and security Nigerian lenders expect before lending ₦5 million, with real published thresholds and a worked repayment example.
₦50,000 today can come from your bank's USSD loan, a loan app or an overdraft. Here is what each checks, and a worked total-cost example.
Banks, microfinance banks, cooperatives and employers can lend ₦500,000. Here is what each one asks for, with a worked repayment example.
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How employer rent and salary advances are structured and deducted in Nigeria, what the Labour Act says, and how to ask for one.
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How Nigerian families pay for urgent burial costs: employer advances, salary loans, cooperatives and loan apps, and how quickly each one pays.
How non-interest finance works in Nigeria: Murabaha, Ijara and Qard Hasan, who offers it, and why the cost is a mark-up rather than interest.
Pay-as-you-go plans, bank asset finance and public schemes can fund home solar. Here is how each is repaid and what secures the debt.
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How Nigerian banks advance cash against unpaid invoices, how much they fund, the documents they want, and how this differs from a normal loan.
Where to finance a laptop in Nigeria: BNPL, bank asset finance, employer schemes and personal loans, with deposits and a total cost worked example.
Where Nigerians can borrow small sums for WAEC, JAMB or professional exam fees, and why small, short loans cost more than they look.
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Which Nigerian lenders ask for guarantors and which do not, and what a guarantor legally agrees to pay if the borrower defaults.
Why Nigerian lenders ask for NIN as well as BVN, what the CBN’s KYC tier rules say, and what to do if you do not yet have a NIN.
Paid in cash or irregularly? Microfinance banks, apps that read statements and cooperatives can still lend. Here is the evidence that replaces a payslip.
How LPO financing works in Nigeria: the lender pays your supplier, your client pays the lender, the documents needed and how the fees add up.
What NHIA health insurance covers, what it costs formal-sector workers, where its gaps are, and when a medical loan makes sense to fill them.
How buying a phone on credit works in Nigeria through banks, retailers and pay-later plans, what lock software does, and the total cost against cash.
Bank of Agriculture, BOI, NIRSAL MFB and microfinance banks: what each asks of a poultry farmer, and how to match repayment to your flock cycle.
NELFUND has not covered private universities. These are the routes that remain for private fees, with what each costs and asks for.
Agents sell 'proof of funds' that sits in your account for a few weeks. Here is how visa officers see it and what the rules say about deception.
Banks, microfinance banks, rent-finance firms, cooperatives and employers all lend for rent. Here are the documents each one asks for.
Rent finance firms pay your landlord the yearly rent and collect from you monthly. You sign a loan, so here is what it really costs you.
Bank USSD salary loans, loan apps and overdrafts can pay the same day. Here is what each needs, what slows payout, and what it costs.
A parent needing fees now can borrow from a bank, a microfinance bank, an app or a pay-later provider. Here is how each compares for a term's fees.
The fee invoice, ID, BVN, payslips or statements: a full document checklist for a school fees loan, and why lenders often pay the school direct.
Shop rent is a yearly bill. Microfinance banks and cooperatives fit it better than daily-repayment loans; here is why, with a worked comparison.
Few Nigerian lenders run a true study-abroad product. What naira personal loans can cover, how fees reach the school, and the visa rules on loans.
Lenders will fund some travel costs, but a loan parked in your account will not pass as proof of funds. What a travel loan can cover, and what it cannot.
Very small loans come from airtime credit, loan apps, cooperatives and friends. Here is what a tiny short loan really costs.
Banks do not sell a special wedding loan; couples use personal loans. A worked example of the total cost, and how to borrow less for the big day.
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