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 persona · 55 articles
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How loans repaid through IPPIS salary deductions work for federal workers, who lends on them, what you consent to, and how to keep deductions in check.
Which routes let Nigerian women entrepreneurs borrow without property as security, and the substitutes lenders use instead of collateral.
How savings-linked daily loans work for Nigerian traders: contribute first, borrow a multiple, repay daily, and how to avoid unregistered collectors.
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How Nigerian exporters fund orders before and after shipment: NEXIM facilities, bank export finance, and the NEPC certificate every lender wants first.
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How hotels and shortlets in Nigeria get financed: property-backed loans, equipment finance, development funds, and the occupancy proof lenders want.
Most Nigerian lenders cap loan repayments at about a third of net monthly pay. How that rule works, with published bank limits and a worked example.
How loan repayments are taken from federal salaries through IPPIS, what limits apply, and the steps to stop a wrong or finished deduction.
Buying a keke or okada on credit: how dealer hire purchase compares with a bank or MFB loan, when you own the vehicle, and the total cost.
Why most Nigerian loan apps turn down students without income, the age and affordability rules behind it, and what students can use instead.
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Why lenders decline applicants with no income, the options that do exist for unemployed Nigerians, and how to spot 'no-job loan' scams.
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Why Nigerian banks ask for an employer's confirmation letter, which lenders judge you on statements instead, and what that costs you.
Microfinance banks, cooperatives and development schemes lend to artisans. What each asks for, why your trade association matters, and how to apply.
How ride-hailing drivers finance cars: bank vehicle finance, hire-purchase and work-and-pay deals, and how weekly earnings evidence is read.
Registered incorporated trustees can borrow in their own name. What banks ask a church, mosque or NGO for, and the uses lenders usually accept.
Lenders struggle to read creator income. How banks and fintechs view platform payouts and brand deals, what your statements show, and realistic options.
Equipment loans, working capital and development finance for fashion businesses, what happened to fashion-specific funds, and what to show a lender.
No payslip, irregular payments, dollars from abroad. What income evidence Nigerian lenders accept from freelancers, and which lenders are realistic.
How Nigerian importers borrow: letters of credit, import loans and guarantees, the Form M link, bank requirements and why FX access shapes it all.
How Nigerian lenders treat rent and property when a landlord borrows: what counts as income, title and security, and options for renovation.
How lecturers and university staff borrow: payroll loans, staff cooperatives and housing schemes, plus how to size a loan around existing deductions.
Trader loans from MFBs and apps often repay daily or weekly. Here is how to turn a daily charge into a monthly cost you can compare.
How Nigerian soldiers, sailors and airmen borrow: salary-account and payroll loans, service cooperatives, MFBs, and what to settle before deployment.
Few Nigerian lenders lend to non-residents. What is open from overseas, the BVN and KYC you need, and the currency risk when you repay naira from abroad.
Where health workers can borrow: payroll loans for government hospital staff, bank loans for private clinic staff, and cooperatives, with costs.
How police officers borrow: NPF Microfinance Bank, payroll lending through salary deductions, police cooperatives, and what deductions require.
How POS agents finance float and terminals, why repayment often comes straight out of daily settlements, and what to check before you borrow.
The loan types open to salaried staff in Nigeria, from salary advances to payroll loans and cooperatives, and why salary domiciliation matters.
How Nigerian lenders measure self-employed income from statements, invoices and turnover, and the loan products that suit irregular earnings.
How loan options differ for public and private school teachers in Nigeria: payroll lending, cooperatives, statements and the long-vacation gap.
Women-focused loan products in Nigeria by lender type, how they differ from ordinary loans, and the documents women borrowers are asked for.
What support exists for disabled Nigerians who need finance: the 2018 Disability Act, NCPWD, state disability offices, lenders, and what to check.
What a worker on Nigeria's ₦70,000 minimum wage can safely borrow: the one-third deduction limit, realistic loan sizes and their total cost.
Financing bikes, vans and working capital for a Nigerian logistics or dispatch firm: asset finance, hire purchase, unsecured loans and documents.
The main routes for market women to borrow in Nigeria: group-lending MFBs such as LAPO, market cooperatives and state women funds, and how each works.
Banks, MFBs and cooperatives lend to retirees against the monthly pension, not the RSA. Age caps, repayment ceilings and what to bring.
How Nigerian pharmacies finance stock, fit-out and expansion, why lenders ask for PCN premises registration, and how stock-finance structures work.
How POS float loans are priced, what transaction history providers check, and a worked cost-per-day example to see whether borrowing float pays.
NELFUND does not cover postgraduates. What masters and PhD students can use instead: employer sponsorship, bank and cooperative loans, and savings.
How banks' approved-employer lists work, what staff of small private firms can still access, and why salary domiciliation changes your options.
Who lends to private schools in Nigeria, how fee seasons shape borrowing, and the records a proprietor must show to be taken seriously.
Working-capital options for small shops in Nigeria, from microfinance and merchant loans to supplier credit, and what your sales record shows.
How eateries finance equipment, fit-out and working capital, which statements and permits lenders check, and when a loan pays for itself.
A checklist of what Nigerian lenders ask salary earners for: payslips, employment letter, statements, ID, BVN, approved employer, and why.
Who lends to small farmers in Nigeria now, what the Bank of Agriculture asks for, how cooperatives help, and why repayment should follow the harvest.
What debt a pre-revenue or early-revenue Nigerian startup can realistically get, from DBN-backed bank loans to revenue-based finance, and the cost.
Why a state worker's loan options depend on the state's payroll system and record, which lenders serve state staff, and the role of cooperatives.
NELFUND, bank education loans and loan apps compared on eligibility, cost and repayment, including what the 2024 Act says about interest.
A map of youth loan routes in Nigeria, from YouthCred and NYIF to BOI, state funds and bank products, with the age cut-offs we could confirm.
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