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 LoansDefault and recovery · 45 articles
What loan restructuring means in Nigeria, the documents a bank asks for, a naira example of the real cost, and how it shows on your credit file.
Who regulates each lender, who can debit your other accounts, how each reports to the bureaus, and how collection and court action differ.
There is no fixed waiting period. What decides it is how your record reads, whether it shows settled, and how long the bureaus keep history.
When employer contact is part of the deal, as with salary loans, and when telling your boss about your debt breaks data and consumer rules.
Owing money is a civil matter, not a crime. When arrest threats are empty, the real criminal exceptions such as fraud and dud cheques, and what to do.
Loan apps cannot block or blacklist a BVN. What the CBN's BVN watch-list actually is, and what a default really leaves behind.
A loan app cannot freeze your account. Who can restrict one, what an app can do with a linked card, and how to stop unwanted debits.
Yes, any lender can bring a civil claim for an unpaid debt. How a case would run, what a judgment allows, and what you should never ignore.
Google Play bars loan apps from reading contacts and the FCCPC makes lenders confirm their apps will not. What that means and what to do.
GSI is a CBN framework for CBN-regulated lenders. What a non-bank loan app uses instead, the case of apps run by microfinance banks, and what to check.
Owing a lender is a civil matter, not a crime. What a court judgment can do, why a bounced cheque is different, and what to do about arrest threats.
CRMS is the CBN's own register of loans reported by banks. What it holds, who can see it, and how it differs from the credit bureau report you can order.
Missed a cooperative loan repayment? How savings offset works, why guarantors are pressed, and how disputes move through your state's cooperative process.
The FCCPC's 2025 lending regulations set no fixed calling hours. What they do require, why midnight calls can still breach them, and how to log each call.
Swapping several loans for one only helps if the total cost falls. Where consolidation exists in Nigeria, and the arithmetic test to run before you sign.
A recovery agency has called about your loan. How lenders engage agents, how to verify one before paying, and the FCCPC rules the lender must still follow.
A harassment complaint is only as strong as its proof. What to screenshot, export and record, how to organise it, and where to send the finished file.
Paid off a loan? Get a written clearance letter from the lender, check what it must say, and confirm your credit bureau reports show the loan as settled.
Money vanished from an account at another bank? How Global Standing Instruction works, which lenders can use it, and what to ask if it was wrong.
You stood surety for a friend who stopped paying. What you can be asked for, when the lender can demand it, and how to recover it from the borrower.
Pledged a car or land for a loan? The notice, court and sale steps a lender follows, what it cannot do, and your right to any money left after the sale.
Old loans do not last for ever in court. How state limitation laws work, what restarts the clock, and why credit records run on their own timeline.
Owe four loan apps? Stop new borrowing, rank each debt by what it costs per day, refuse rollovers, and use one written plan per lender to get clear.
Not sure your bank loan lets the lender debit other accounts? Where the GSI clause sits in loan papers and how to ask the bank for the mandate record.
There is no single public list of debtors. What does exist, from credit bureau records to the CBN's CRMS and the BVN watch-list, and what each does.
A loan app took money after you had repaid in full. How to prove the overcharge, ask for a refund, dispute it with your bank and report to the FCCPC.
What usually happens after you miss a loan app payment in Nigeria, from late fees and calls to bureau reporting and write-off, and what to do at each step.
A loan app sent shaming messages to your contacts. The evidence to save, how to cut its access, where to report it and what to say to friends and family.
Paying extension fees on a loan app keeps the debt alive. How rollover charges build up, with worked examples, and a step plan to break the cycle.
A copyable repayment proposal letter for a loan app, bank or MFB, with the facts a lender needs, a worked plan and what to do once you have sent it.
A written-off loan is an accounting entry, not a cancelled debt. Why lenders can still collect, what it does to your credit report and what to do next.
What a Nigerian microfinance bank does when you miss loan payments: savings set-off, guarantors, group pressure, collateral, bureaus and court.
Cannot repay a loan app in full? How to offer a reduced lump sum, what the written acceptance must say, and how to make sure your credit report updates.
Which loan app threats may be crimes, where to report them in Nigeria, what to bring to the police station and how to report to the FCCPC and NDPC too.
How refinancing a bank loan works in Nigeria, the fees that can wipe out the saving, and a worked break-even calculation to test any offer.
Deleting a card in a loan app may not stop debits. The steps that do: remove it in the app, withdraw consent in writing, then ask your bank to block it.
What Google Play's personal loan policy and Nigeria rules require, which breaches to report, and the exact steps to flag a loan app on the Play Store.
How to file a data protection complaint against a loan app with the NDPC: your rights under the NDPA, what to send, the timelines and the remedies.
Payment holiday, interest freeze or fee waiver: what Nigerian lenders may grant, what each really costs, and how to write a request that gets a yes.
Step-by-step Android and iPhone settings to cut a loan app's access to your contacts, why it does not delete data already taken, and what to do next.
What a salary domiciliation letter lets a lender and employer do when you default, and the Labour Act one-third cap on wage deductions.
Remove the saved card, block or replace it with your bank, cancel any direct debit mandate, and know why the debt itself still stands.
What the FCCPC DEON Consumer Lending Regulations 2025 actually say about recovery, data, contacts and complaints, regulation by regulation.
The usual sequence after a missed loan app repayment: penalties, reminders, card retries, credit bureau reporting, collectors, and what is not allowed.
When a borrower dies, the debt is paid from their estate or any credit life cover, not by family members who did not sign. What relatives should check.
You can add the other type later — many of our customers hold both.
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