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 Savings & investingFixed deposits · 45 articles
What ₦1 million earns in a one-year fixed deposit once you apply a rate, the day count and 10% withholding tax, with every step of the maths shown.
A 90-day example on ₦500,000: how day counts, 10% withholding tax and weekend maturities change what you actually receive, with the maths checked.
What Access Bank's own 1 Year Fixed Rate Deposit form says: ₦2 million minimum, 365-day tenor, rate on the certificate, and what it leaves unsaid.
Yes, up to the per-depositor limit at an insured bank: ₦5 million at commercial banks, ₦2 million at microfinance banks, with your balances added together.
Early liquidation usually costs part or all of the interest, and sometimes principal if interest was paid upfront. How banks set penalties, with examples.
A call deposit can be withdrawn on short notice; a fixed deposit is locked for an agreed tenor. How rates, access and uses differ, and who each suits.
Ecobank Nigeria does not publish fixed deposit minimums or exit terms on the pages we read. What to ask, how early exit usually works, who to call.
FCMB does not set out fixed deposit minimums or tenors on any page we could read. How to get the terms in writing, what to ask, and FCMB contacts.
Fidelity Bank's FAQs and diaspora pages do not set out fixed deposit terms. What they do say about account tiers, how to ask, and what early exit can cost.
What First Bank publishes about its naira fixed deposit, what only a branch can confirm, and how to book one without surprises.
How a lien on a fixed deposit works, how much banks typically lend against it, and a worked example comparing a cash-backed loan with breaking the deposit.
A fixed deposit certificate records your amount, rate and maturity date. Why it matters at maturity, for loans, in an NDIC claim, and if you lose it.
Children cannot usually book fixed deposits themselves. How banks use in-trust accounts and guardian mandates, the documents needed and what happens at 18.
A fixed deposit ladder splits your savings across several maturities so some money is always about to come back. How to build one, with a worked plan.
Microfinance banks often advertise higher deposit rates. What NDIC covers at an MFB (₦2 million), how to check a licence, and the questions to ask first.
What banks' own pages say about fixed deposit minimums and tenors, which figures are only third-party estimates, and how to get a firm answer.
Where to find today's fixed deposit rates: the CBN's money market indicators, banks' own pages and apps, and how to compare quotes on an after-tax basis.
At maturity a fixed deposit is paid out or rolled over. The rollover options, why the new rate may differ, a worked example and how to stop a rollover.
Short tenors keep money close and catch rising rates; long ones fix a rate for longer. How to choose between 30, 90, 180 and 365 days, with examples.
A fixed deposit locks a rate and is NDIC-insured; a money market fund's yield floats and is not a deposit. Liquidity, rates, tax and protection compared.
The old rule that T-bill returns were tax-free has changed. How withholding tax now hits both, and a worked comparison on the same sum.
Why a next of kin cannot simply collect a fixed deposit, what letters of administration involve, and how families can prepare documents early.
How a Nigerian company places surplus cash on fixed deposit: the board resolution, signatories, matching tenor to cash flow and the WHT credit.
How a monthly-payout fixed deposit works in Nigeria, which products say they pay monthly, and whether it earns more or less than interest at maturity.
Globus Bank publishes no fixed deposit terms online. Here is what its site does say, who to ask, and how to compare the quote you get.
GTBank's own page sets fixed deposit tenors at 30 to 180 days but names no minimum or early-exit rule. What to ask before you book.
The simple-interest formula Nigerian banks use, why the day count matters, how withholding tax comes off, and a labelled worked example you can copy.
How Jaiz Bank's Mudarabah term deposit replaces a fixed rate with a profit-sharing ratio, what the ₦500,000 minimum buys, and what to ask.
Mandate choices for a joint fixed deposit, the documents each holder needs, how NDIC cover applies, and the open question of what happens on a death.
Keystone Bank's accounts page lists no fixed deposit terms. What it does publish, how to get a quote, and what its ownership changes mean.
LAPO Microfinance Bank does not publish fixed deposit terms online. What is known, what NDIC cover means at an MFB, and how to check.
Yes, especially on larger sums. How Nigerian banks price deposits, what to compare a quote against, and a short script for asking for a better rate.
The usual in-app steps for a fixed deposit or locked savings plan in Nigeria, and the five details to check before you tap confirm.
What Nigerians abroad need to place a naira fixed deposit: a BVN or NRBVN, a Nigerian account, certified documents, and the currency question.
A comparison listing puts the Polaris Bank naira fixed deposit minimum at ₦100,000. What else is known, what is not, and what to ask.
Providus Bank is now ProvidusUnity. What is known about its fixed deposit terms, what changes for depositors after the merger, and how to book.
What is known about Stanbic IBTC fixed deposit minimums and tenors, how interest and tax are handled, and how it compares with MaxYield.
Sterling Bank's fixed deposit starts at a 30-day tenor with interest at maturity and a negotiated rate. The documents and steps to open one.
A comparison listing puts the UBA fixed deposit at ₦50,000 to ₦5 million for one to twelve months. How interest is paid and what to confirm.
Union Bank's fixed deposit minimum is quoted as ₦10,000 in one comparison and ₦100,000 in another. What is known, and how to book after the Titan merger.
Unity Bank has merged into ProvidusUnity. What that means for a Unity fixed deposit, what is published, and how to handle early withdrawal.
How upfront interest changes what a fixed deposit really earns, why it depends on how the bank calculates it, and a worked example of both methods.
Wema's branch fixed deposit and ALAT's locked goals are booked differently and neither publishes full terms. How to compare them and exit early.
How the CBN's Monetary Policy Rate, treasury bill yields and the cash reserve ratio feed into what Nigerian banks offer on fixed deposits.
Zenith Bank's fixed deposit minimum is quoted at ₦20,000 by a 2024 comparison. What else is known, why Zenith's site is hard to check, and what to ask.
You can add the other type later — many of our customers hold both.
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