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 LoansCredit bureaus · 35 articles
Most cooperative, ajo and esusu borrowing never reaches a Nigerian credit bureau. Here is why, what that means for your history, and what to do.
No record at the bureaus? The products that create reportable history in Nigeria, the order to use them in, and the habits that undo the work.
Nigerian credit bureaus hold loan and repayment data, not your account balance. Here is what they hold, what lenders see, and how to check.
Landlords and employers can request a credit report in Nigeria only for a lawful purpose and with consent. What the Act says and how to do it properly.
Nigeria's three private credit bureaus hold overlapping data but can show different reports and scores. What each offers and why they differ.
Asked for a credit bureau clearance? What the document usually is, why employers and others request it, and how to get one from a bureau.
Looking for a USSD code to check your credit score? What the bureaus' own sites offer today, why to be careful with circulating codes, and how to check.
Your Nigerian credit history follows you, not your account or SIM. What happens when you switch banks or numbers, and the details to update.
Commercial credit reports in Nigeria: what they show, which bureau products exist, how to request your company's report and how lenders use it.
You repaid the loan but the bureau still shows a balance. The lender's duty to update, the timelines that apply and the dispute route, in order.
What performing, substandard, doubtful, lost and delinquent mean on a Nigerian credit report, the CBN day counts behind them and how lenders react.
Nigeria's Credit Reporting Act 2017 in plain terms: who can see your report, your right to a free copy, how disputes work and how long data stays.
No national minimum credit score exists for a Nigerian mortgage. How banks, mortgage banks and FMBN use bureau reports, and what to fix first.
CRC scores run from 300 to 850, but each Nigerian bureau has its own model and lenders set their own cut-offs. How to read your number fairly.
Your credit score, your bureau report and the CBN's CRMS are three different records. What each is, who keeps it, who can see it and why it matters.
The Credit Reporting Act gives a lender or bureau 10 working days to answer a written complaint, then the CBN. Here is the process in order.
Many Nigerian loan apps share repayment data with bureaus, and the law lets them do it without asking you again. How to find out what yours does.
Lenders may check a guarantor's credit report under Nigerian law. Whether the guarantee itself appears depends on the lender and bureau. What to check.
Your BVN is an identity number, not a score. Credit bureaus hold your history and use identifiers like the BVN to match it. What that means for you.
The law treats your own check differently from a lender's. What Nigerian bureaus record when you or a lender pull your report, and what is unconfirmed.
No. A repaid loan stays on your Nigerian credit report as settled history for years. Why that helps you, and how to check it shows correctly.
Yes. The Credit Reporting Act 2017 gives you one free report a year from a bureau. How CRC, FirstCentral and CreditRegistry apply the rule.
Joining a Nigerian credit bureau means a data exchange agreement and duties to report accurately. What the Credit Reporting Act 2017 requires.
The Credit Reporting Act 2017 says at least 6 years, then 10 in archive, and the clock can restart. What it means for settled and unpaid defaults.
Bureaus must update whenever lenders submit, but each lender's submission cycle sets the lag. Why a payment can take weeks to appear, and what to do.
Register on the CRC website, verify, pay or use the free yearly code, and the report arrives by email. Prices, contents and disputes.
What we could and could not confirm about CreditRegistry's report route in October 2026, and how to request any bureau report safely.
FirstCentral offers reports through Snap Check, by email and in its app, plus a free one-time score. Routes, report types and disputes.
Personal details, facilities, payment history, status and enquiries: what each part of a Nigerian credit report means, with a labelled example.
Nigerian bureaus do not publish their score weights, but their reports show what lenders judge. The actions that matter most, in a practical order.
Someone borrowed in your name. The order that works: bureau fraud alert, written dispute to the lender, police report, then the data protection regulator.
Each lender check is recorded on your Nigerian credit report with who asked and when. What five applications in a week tell the next lender.
No data is not bad data. Why Nigerian lenders decline people with little bureau history, and practical ways to build a record lenders can read.
The fields on a Nigerian credit bureau report, how a loan officer reads each one, and what the report does not show about you.
Banks and microfinance banks report under CBN circulars. Loan apps report when required. Here is who sends your data and where the gaps are.
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