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 United KingdomHold and swap currencies · 116 articles
What Barclays takes when you pay or withdraw in naira. The fee is 2.99% at Visa's rate, on purchases, cash and refunds, with the sums.
You can bring naira into the UK, but changing it is hard: few UK firms buy naira notes and those that do pay little. Your options for leftover naira.
One trip can trigger two cash declarations, one in Lagos and one at Heathrow. The thresholds, who counts, and what to carry as evidence.
Most Nigerian accounts need a BVN, and higher tiers need a NIN too. If you never enrolled, the NRBVN lets you apply from the UK online.
No cap applies to cash carried from the UK to Nigeria, but both countries have declaration thresholds. What each one is, and how to declare at both ends.
What happens when you give a UK bank a Nigerian address: eligibility checks, tax residence forms, cards, security codes and your UK credit file.
Bureaux, the Post Office or your bank: how dollar-note buyback works in London, why rates differ by branch and how to compare them.
How to find a fair benchmark for pounds and naira, work out the margin hidden in the rate you are offered, and compare total cost.
Moving naira savings to the UK means converting at a rate you do not control. The legal routes, the documents, and what you lose to the spread.
What converting a large naira sum to pounds in instalments protects you from, what it does not, a worked example in three rate scenarios, and the cost.
Carrying dollars to Nigeria means converting twice. When it still makes sense, what it costs, and the cash declaration limits on both sides.
Saving in the UK for Christmas in Nigeria? Why the flight money and the spending money belong in different currencies, with a labelled plan.
How NGX dividends reach shareholders abroad: the e-dividend mandate, naira payment, 10% withholding tax, moving money to the UK and UK tax reporting.
Which dollar-to-naira quote to check today, how official and parallel figures differ, where to see them from the UK, and which rate you will be paid.
The difference between the mid-market dollar to pound rate and the rate a UK bank applies, and how to work out what converting dollars really costs you.
How a SWIFT transfer from a Nigerian dollar or pound domiciliary account reaches a UK bank: details, documents, published fees and timing.
Match your emergency fund to where emergencies cost money. For most UK-based Nigerians that means pounds first, plus a small naira buffer for home.
Options for Nigerians in the UK paid in euros: bank euro currency accounts, e-money accounts with euro IBANs, and euro domiciliary accounts at home.
Where to check the euro to pound reference rate, how a UK bank's conversion rate and fees compare with it, and how to measure the spread yourself.
Options for changing naira cash into pounds in London are limited. What is realistic, why informal exchange is risky, and when a transfer works better.
Parents or siblings in Nigeria want to support you in the UK. The routes they can use under 2026 CBN rules: Form A, domiciliary wires and licensed apps.
How Nigerian parents pay UK university fees through Form A under the CBN's 2026 FX Manual: limits, documents, maintenance and the student's part.
The FSCS limit is per person per banking licence, not per brand or per account. How to spread a large sum from Nigeria so all of it is covered.
A Nigerian client paying you in pounds needs your IBAN and SWIFT code, not just a sort code. How they can pay and what to put on the invoice.
What Nigerian banks ask UK residents for when opening a pound domiciliary account remotely: BVN, notarised ID, proof of UK address, references.
A UK-based landlord with a Lagos property weighs keeping rent in naira against converting it to pounds: costs, timing, tax and a worked example.
A Nigerian client wants to pay you in the UK. How pounds leave Nigeria, the invoice and tax points that come up, and what lands in your UK account.
Nigerian insurers settle claims in naira, usually into a Nigerian account. How to claim from the UK, check the insurer is licensed and move the money on.
How to have your UK State Pension paid to a bank in Nigeria: the details DWP needs, the 0.39% conversion charge, payment frequency and who to contact.
A cash gift is not income, so it is not normally taxed when you receive it. What can be taxed, and the records that keep your bank satisfied.
What Grey's pages say about UK account details, free Faster Payments receipts and Nigeria-to-UK fees, and the authorisation point to check first.
Ways to hold US dollars in the UK: bank currency accounts, e-money accounts with USD details, how each is protected, and what conversion costs.
Planning to return home in a few years? How to match savings to naira costs, keep accounts usable, and avoid converting at a bad time.
Keeping naira while you earn and spend in pounds means two risks: Nigerian inflation and the naira's value against sterling. How to weigh them simply.
Keeping a sibling's or parent's money in your UK account raises bank checks, benefits, tax and FSCS questions. How to document it properly.
Your Nigerian T-bills have matured. What keeping the naira, rolling over or converting to dollars or pounds involves, from the UK.
HSBC UK's currency account lets you keep dollars from Nigeria as dollars, but only alongside an active HSBC current account. The rules, explained.
Sort code, account number, IBAN and BIC explained for Nigerians in the UK: which ones a Nigerian bank needs to send you money, and where to find them.
UK Inheritance Tax rarely falls on the person who inherits. How the Nigerian estate is released, moving the money to the UK, and income tax after.
When Nigerian accounts become inactive or dormant, what counts as activity, and simple steps from the UK to stop an account being frozen.
Whether a UK bank will let you keep your account once you live in Nigeria, what the account terms decide, and what to tell the bank before you go.
Which UK direct debits to keep after moving to Nigeria, how to keep the account funded in pounds, and what lapses or must stop once you live abroad.
Waiting for a SWIFT transfer from a Nigerian bank? Typical timing, what slows it down, and how to trace it with the UETR reference.
E-money is safeguarded, not FSCS-protected. What that means if the firm fails, what the FCA changed in May 2026, and how to check your app.
The lawful routes for moving money from Nigeria to a UK account under the CBN's 2026 FX Manual: PTA, Form A and domiciliary transfers.
No one can time the pound-to-naira rate. A staged plan for the year before you move, what to keep in pounds and the paperwork to keep.
Moving your own money still raises questions. The records UK and Nigerian banks accept, how long to keep them and how to match each transfer to its origin.
Sold a car you left in Nigeria? How to take payment so the sale is provable, the documents to keep, and how to convert the naira and move it to the UK.
Children's accounts in Nigeria need the child's ID, the parent's ID and often the child's NIN. What banks ask for and how to get it from the UK.
How Nigerians in the UK can hold a 10-digit naira account so people at home pay them by ordinary bank transfer, and what to check first.
How to budget for monthly naira commitments in Nigeria from a UK salary: listing them, fixing a conversion day, paying directly and keeping proof.
The mechanics of naira depreciation for Nigerians saving from the UK, with a labelled multi-year example of what happens to savings in pounds.
Headline naira rates look far higher than UK ones. Adjusted for inflation and the exchange rate, the gap is smaller and less certain.
NDIC deposit insurance or FCA safeguarding: how each protects naira, what happens if the firm fails, and how quickly you can get the money out.
How Nigerian savings and fixed deposit rates are set, the benchmark they follow, and where to check today's figure before you move money.
How Nigerian banks, BDCs and transfer apps price pounds for money sent to the UK, why quotes differ on the same day, and where to check today's rate.
Where the money goes when naira becomes pounds: the long-run fall in the naira, the buy-sell spread, the rate gap and fees, in one labelled example.
Nationwide's gifted deposit rules when the donor lives in Nigeria: the gift form, six months of donor statements, and sources it will not accept.
How to tell a Nigerian bank you now live in the UK: which form, what proof of UK address banks accept, and what changes once you are non-resident.
Logged out after moving to the UK? Why Nigerian bank apps challenge new phones and foreign networks, and the steps banks offer to reauthorise you remotely.
Your Nigerian bank wants proof of your UK address for KYC. Which documents banks list, why notarisation comes up, and how to avoid a second request.
Asked to come into a branch while you live in the UK? Remote KYC, notarised forms, mandates and attorneys, and the few cases where you may need to go in.
Why Nigerian bank codes stop arriving after you move to the UK, and the fixes: token apps, email OTP, keeping the Nigerian SIM, or changing the number.
Submitting Nigerian bank statements to a UK mortgage lender or landlord? How lenders treat naira figures, which rate to use and what letters help.
How a Nigerian US dollar debit card is converted to pounds in UK shops and ATMs, the cross-currency fees banks publish, and daily limits.
What happens on maturity day if you give no instruction, how to roll over or liquidate from London, and how to move the proceeds.
Yes, if the landlord or hall accepts an international payment. How it works, the CBN maintenance limit, and why references and records matter.
Working remotely for a Nigerian employer from the UK? Why most salaries are paid in naira, when foreign-currency pay is possible, and the tax points.
Old N200, N500 and N1,000 notes remain legal tender in Nigeria, but UK bureaux do not buy naira. What your options really are from the UK.
Nigerian banks' diaspora desks accept UK addresses. The ID, proof of address, references and certification they ask for, from their own pages.
Two remote routes exist from the UK: the NRBVN platform if you have no BVN, or a bank app if your BVN and Nigerian line still work.
Paying naira to a contact in Nigeria so they send pounds to your UK account is common. Here is what can go wrong and why.
Why a UK card works at some Nigerian checkouts and fails at others, how the naira charge is converted, and the fees to expect on your statement.
How family in Nigeria can pay UK rent from a domiciliary account under the 2026 FX Manual, why the currency sent matters, and how to time it.
Naira card limits abroad rose sharply in 2026, but declines still happen. Bank limits, fees and the usual reasons a UK subscription payment fails.
The main turns in the naira since the June 2023 float, why the pound followed the dollar, where to find official GBP figures, and what it means for savers.
What a UK bank means by source of funds, which Nigerian documents answer it, and how to build a paper trail before a large transfer arrives.
Inactive, dormant or transferred to the CBN: three stages, three different fixes. The documents banks ask for remotely and what reactivation costs.
Parents can pay fees direct to the university and send living money to your UK account. The routes, the CBN limits and the timing to plan for.
Someone in Nigeria wants to pay you in the UK. The details to give them, the routes that work under 2026 CBN rules, and what your UK bank may ask.
Nigerian PayPal accounts have long been able to send but not receive. What that means for you in the UK, and what changed with Paga in 2026.
How UK-based landlords collect rent from Nigerian tenants, move it to the UK, keep records, and handle tax on both sides of the UK-Nigeria treaty.
What happens when dollars are wired from Nigeria to your UK account: the route through correspondent banks, the details to give, deductions and conversion.
What happens when dollars from Nigeria land in a Monzo or Starling account: conversion on arrival, the margin Starling states, and what to check.
How to collect funeral contributions from family in Nigeria without your UK account being blocked, and how to keep a record everyone can trust.
The records to keep when family in Nigeria send you a large gift in the UK: gift letter, donor statements and the transfer trail, plus the tax position.
The details a Nigerian sender needs to pay your Barclays account, including IBAN, BIC BARCGB22, your name and address, and who pays the charges.
Why many small inbound payments from Nigeria trigger UK bank checks, what the bank is allowed to ask, and how to explain it before it escalates.
How Nigerian parents can pay UK university fees: the CBN tuition limit, Form A documents, Flywire's naira option and what to ask the university.
Left a Nigerian job and moved to the UK? Gratuity, RSA pension and final pay are paid differently. How each reaches you and how to move it on.
Lloyds charges £2 or £7 to receive a payment from Nigeria, and converts dollars to pounds with a margin that falls as the amount rises. How it works.
You moved to the UK and a Nigerian employer still owes you back pay. How it can be paid, the records to keep, and the tax points on both sides.
What you need to collect Western Union cash in the UK sent from Nigeria: the MTCN, accepted ID, sender details, how long you have, and safety checks.
Token broken or battery dead in London? Soft-token options Nigerian banks offer, how replacements are posted abroad, and limits that still need hardware.
UK postal buyers do take naira, including withdrawn notes, but their prices are a small fraction of face value. A worked example, and better options.
Nobody can reliably call the next move in the pound-naira rate. How to decide based on when you need the naira, and why staged conversions cut regret.
Cash savings can meet the partner visa income rule: what counts above £16,000, the six-month holding rule, Nigerian bank evidence and exchange-rate risk.
A goal-by-goal way for UK-based Nigerians to decide how much to save in pounds and how much in naira, with a labelled example and the protection rules.
FSCS cover rises to up to £1.4m for six months after some life events. Whether money from selling a house in Nigeria qualifies, and what to keep.
What to do when a UK bank freezes your account after a transfer from Nigeria: the review, your rights, the complaint route and the evidence that helps.
Why UK banks question payments arriving from Nigeria, what the anti-money-laundering rules require, and the evidence that usually settles it quickly.
How much notice a UK bank must give, what the closure letter must say, when it can close at once, and how to keep a route for sterling.
Your UK bank rejected or froze funds traced to a Nigerian crypto platform. Why it happens, what banks publish, and how to evidence the source.
A UK card that fails in Nigeria is usually a fraud check, a setting or the terminal. How to tell which, fix it from your phone and pay another way.
The UK's £10,000 cash declaration rule for travellers to Nigeria: what counts as cash, how and when to declare, and what happens if you do not.
A UK ISA shields up to £20,000 a year from UK tax; naira savings pay higher headline rates but carry currency risk. How to weigh them.
Why UK bank currency accounts do not usually offer naira, what e-money apps allow, and where a naira balance with Nigerian account details sits instead.
Selling to customers in Nigeria from the UK? How to take naira into an account in your own name, keep records, and convert only when you need to.
Yes: Nigeria is not on DWP's list of countries where yearly increases are paid. What 'frozen' means, a worked example, and what restores the rate.
Compare access, deposit protection, interest and conversion costs when you hold dollars from the UK, in a UK app or a Nigerian domiciliary account.
Buying USDT in Nigeria and cashing it out in the UK is a common workaround. The banking, regulatory, fraud and tax risks at each step.
Whether a Nigerian naira debit card works at UK tills and online, the 2026 international limits by bank, and how the exchange rate is applied.
What Monzo and Starling charge for spending and cash in Nigeria, their ATM allowances, why to choose naira at the terminal, and backup plans.
Naira has landed in your account while you live in the UK. The factors that decide whether to convert it to pounds now, later or in stages.
How Wise's USD account details work, which details a Nigerian bank needs for a SWIFT payment, the 6.11 USD receiving fee and what to confirm first.
Three layers of cost when you take naira from a Lagos ATM with a UK card: your bank's fee, the exchange rate and the ATM owner's charge.
You can add the other type later — many of our customers hold both.
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