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 LoansGovernment schemes · 55 articles
AGSMEIS was a CBN intervention scheme. New lending under CBN schemes was suspended in December 2023. What that means for applicants and borrowers.
The CBN's flagship farm scheme lent through anchors and associations. An audit found ₦629.04bn unrecovered at end-2022. Where repayment stands.
How to approach the Bank of Agriculture for a farm loan, why groups and cooperatives matter, and what is known about its recapitalisation.
What the Bank of Industry lists for creative and tech businesses in 2026, what it does not, and the route a fashion label or start-up should take.
BOI lends to businesses directly; DBN funds banks and MFBs that lend to you. How size, sector and collateral decide which route fits.
The Bank of Industry lists eight youth-focused programmes, including YES-P and the Youth Upscaling Fund. Who each serves and how to apply.
BOI requires CAC registration, and bank-routed schemes usually do too. Which government support can a small unregistered trader reach.
The CBN suspended new loans under all its intervention schemes in December 2023. What ended, who now leads development finance, and what borrowers owe.
The 2020 TCF was a loan, not a grant. Its terms, the 2026 repayment deductions, what the House of Reps asked for and how to confirm your balance.
Where to see your NELFUND status on the portal, what each stage from submission to payment means, and how long each step should take.
Why many farm and state loan schemes lend only to registered cooperatives, and how to register one with your state's cooperative department.
CREDICORP's first phase targeted 500,000 civil servants with loans of ₦30,000 to ₦3m through partner lenders. How it works and how to apply.
What the Nigerian Consumer Credit Corporation does, how its partner lenders work, who qualifies and how to apply, without invented rates.
DBN lends wholesale to banks and MFBs, and the lender sets your rate. What goes into that rate and how to ask for a DBN-funded loan's terms.
You apply for a DBN-funded loan at a participating bank or MFB, not at DBN. How to find a participating lender and what to ask it.
How Delta State's STEP and YAGEP schemes train young people, hand out starter packs and shop rent support, and what to confirm before a new cycle.
NELFUND student loans carry zero interest. What you repay instead, when repayment starts, the disclosure duties and what happens if you hide income.
What the Enugu MSME & Startup Agency actually offers: grants, a SMEDAN matching fund through a bank, training, and how to get on its database.
A WhatsApp link promising a federal loan? How to confirm a scheme is real: the agency, the domain, the fee test and what to do if you already paid.
The CBN stopped new intervention loans in December 2023. Here is which federal farm-finance routes remain and how to approach each one.
State MSME loans are spread across ministries, agencies and cooperative offices. A method for finding yours and confirming it is official.
How government-backed loans are collected, how to get a statement and a clearance letter, and what GSI and credit bureau reporting mean if you default.
Applying to the Bank of Industry online or at a branch: what you submit, the stages a file passes through, and what slows it down.
The Lagos Industrial Policy's ₦10bn access-to-finance scheme lends to businesses through cooperatives. Who qualifies, the terms and how to get in.
Every Lagos government lending route we could verify, from LSETF's micro and SME loans to LASMECO cooperative loans, with who runs each one.
LSETF's published rate, tenure, moratorium and equity rules for each loan, why its pages show both 9% and 5%, and a worked repayment example.
What the CBN's ₦220bn MSME Development Fund was, how it lent through banks and MFBs at up to 9%, the 60% women allocation, and its status now.
What the National Directorate of Employment offers in 2026, from skills schemes to starter packs, and how to register on its portal step by step.
Why NELFUND applications stall or fail, from schools not verifying to NIN, BVN and JAMB mismatches, and the route to fix each one.
A walk-through of the NELFUND student loan application: what to have ready, creating your account, the loan request, attestation and signing.
Why NELFUND fees go to your school and upkeep to you, the deadlines each side must meet, and what to do when upkeep or a fee payment is missing.
The exact details and uploads NELFUND asks for: JAMB number, NIN, BVN, admission letter or student ID, and the checks that make applications stall.
Who can get a NELFUND student loan under the 2024 Act and NELFUND's guidelines, and the six things that disqualify an applicant.
Can students at schools of nursing or colleges of health technology get NELFUND? What the rules say and how to check your own school.
Why the NELFUND portal cannot find your JAMB number or validate your NIN, and the order in which to fix JAMB, NIMC, BVN and school records.
Does NELFUND cover part-time, sandwich or distance learning students? What NELFUND's FAQ and guidelines say, where they conflict, and how to check.
NELFUND currently covers public tertiary institutions only. What the FAQ and 2025 guidelines say about private universities, and what to watch for.
NELFUND repayment starts two years after NYSC. Then 10% of salary is deducted by your employer, or 10% of monthly profit if you are self-employed.
NELFUND covers public universities, polytechnics, colleges of education and vocational schools. How to check whether your school is on the list.
NELFUND upkeep is ₦20,000 a month, paid to the bank account in your profile, and only if you applied for it. What it is, how it is paid and repaid.
Who can borrow from NEXIM Bank, what the CBN-funded EDF and NESF export facilities offer, and the documents and route to apply.
What the Nigeria Youth Investment Fund offered young Nigerians, how NIRSAL MFB delivered it, and whether any new round is open in 2026.
NIRSAL Plc does not lend. Its guarantee covers up to 75% of a lender's loss; here is the interest drawback and how a farmer reaches a covered loan.
TCF, AGSMEIS and NYIF loans from NIRSAL MFB are loans, not grants. How recovery works, how to get your balance and what default can lead to.
NIRSAL Plc guarantees and de-risks agricultural lending; NIRSAL Microfinance Bank is the one that lends. What each does for a borrower.
The ₦50,000 Presidential Conditional Grant is not repaid; the FG palliative loan of up to ₦1m at 9% is. Who each was for and how to apply.
Every federal MSME grant and loan announced under the current administration that we could verify: agency, amount band, rate and where to apply.
Does SMEDAN lend money? What we could verify about its grant, registration number and links to lenders, and how to use them when you apply.
How to register a business with SMEDAN, what it costs, what the SMEDAN number (SUIN) is and which grants and lenders have asked for it.
Scholarships do not need repaying; a NELFUND loan does. How to order your applications, run them side by side and avoid funding one cost twice.
TraderMoni began in 2018 as an interest-free trader loan. What the last official restart announcement said, and how to check its status today.
Where federal and state credit has set aside money for women, from the CBN's MSMEDF 60% quota to state women funds, and how to apply.
What YouthCred is, who qualifies, what it can pay for and how onboarding works, from what CREDICORP's scheme has published, with the gaps marked.
Two federal credit schemes for young Nigerians with different jobs: NELFUND for higher education costs, YouthCred for consumer purchases.
Which government money in Nigeria is interest-free by design, which is a grant, and which schemes charge a single-digit rate that still adds up.
You can add the other type later — many of our customers hold both.
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