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 StatesHold and swap currencies · 107 articles
How proceeds of a Nigerian property sale can move to the US, the Nigerian tax and consent points, and the US reporting that follows the sale.
The US $10,000 FinCEN Form 105 rule on departure, Nigeria's declaration on arrival, and what happens if you get either wrong.
How to close a Nigerian account without travelling, move the balance first, avoid dormancy, and what the CBN says about closure charges.
How to plan converting naira savings around a move to the US: the lawful channels, their 2026 limits, staged conversion and the airport cash rules.
Where the naira-to-dollar rate you are quoted comes from, why buying dollars costs more than selling them, and how to compare quotes fairly.
What to know before changing dollars at Lagos airport: licensed BDCs, how rates compare, Customs declaration, and safer ways to have naira on arrival.
How US tax treats an exchange gain when a US person converts naira to dollars: the $200 personal-transaction rule, losses, and business naira.
Why US banks rarely take naira cheques, what sending one for collection involves, and the faster ways to get the money paid.
How interest on Nigerian dollar (dom) accounts compares with US savings accounts, with deposit insurance, tax and access differences laid out side by side.
What Nigerian FX rules allow when family send dollars to you in the US: domiciliary transfers, school fees, PTA, and what the US side asks.
When a US person must file Form 3520 for gifts from Nigeria, how related gifts add up, the deadlines, where to send it, and the penalty for missing it.
How a family in Nigeria uses Form A to pay a US college or hospital: the 2026 tuition limits, the documents banks ask for, the charges and the timing.
No Nigerian account? The options for naira on arrival: ATMs with a US card, licensed exchange, and naira transfers. Costs, caps and the rules on cash.
US consulates, USCIS, landlords and lenders may want proof of funds in Nigeria. Stamped and verifiable statements, getting one from the US, and the cost.
Your options when a Nigerian client pays you in naira while you live in the US: where the money can sit, when to convert and what to report.
How a naira salary from a Nigerian employer reaches you in the US, the FX steps in between, and the tax and FBAR points to know.
Yes, a green card holder can keep Nigerian accounts. What must be reported: FBAR, Form 8938 and interest earned in Nigeria.
Naturalising in the US does not close a Nigerian account. What does change: your Nigerian citizenship rules, bank KYC and US reporting.
US banks do not hold naira. The real options are a Nigerian naira account opened with an NRBVN, or a multicurrency account with a naira balance.
Deposit insurance, access, FX rules and tax for dollars kept in a Nigerian domiciliary account versus a US bank, compared side by side.
Saving for a wedding in Nigeria while earning dollars: how to keep the money separate, when to move dollars into naira, and how to pay vendors safely.
When a US-based Nigerian gains from holding pounds or euros as well as dollars, when it only adds conversion costs, and the account options that allow it.
The legal, insurance, tax and banking risks of keeping a sibling's money in your own US account, the records that protect you both, and alternatives.
When naira in Nigerian accounts triggers an FBAR or Form 8938 for a US person, how to convert balances to dollars, and the Schedule B question.
Buying off-plan or building in stages from the US means paying naira over months. When to convert early, when to wait, and the exchange-rate risk.
How to fund naira mortgage repayments each month from US dollar income: routes, timing, a buffer, and a worked repayment example.
What it means to hold dollars with a Nigerian provider from the US: who holds the money, which insurance applies, and what to report to the IRS.
Paid in naira but living in the US? How to build a dollar balance without converting every payment, what the CBN rules allow, and what to report.
Whether a Nigerian bank will open a joint domiciliary account for you and a parent, the documents, and the US FBAR reporting that follows.
How Nigerian accounts go inactive and dormant, what counts as activity, and the small routine that keeps yours working while you live in the US.
Urgent calls from home are easier with naira already in Nigeria. How to size an emergency balance, where to keep it, and how to pay fast from the US.
Rent, family repayments or naira income: how to keep money in Nigeria as naira while living in the US, the account set-up, and the US reporting.
Ways to build a naira balance before a December trip home from the US: when to convert, where to keep it, and the cash rules at the airport.
What a Certificate of Capital Importation is, whether it helps you move Lagos house sale proceeds to the US, and the route if you never had one.
A big wire from Nigeria is often checked before you can use it. The documents a US bank may ask for, the IRS forms that can follow, and what to do first.
Gifts from family in Nigeria are not US income, but pay, rent and interest are, and large gifts must be reported. A plain guide to which is which.
The legal routes for moving money from Nigeria to the US under the 2026 FX Manual: dom transfers, Form A purposes, investment proceeds and paperwork.
How a US resident can turn naira savings into dollars inside Nigeria: buying through your bank, FX Manual 2026 rules, cash deposits and costs.
The MT103 is the Swift record of a wire from Nigeria. Here is what its fields show, how to ask for it and how it settles delayed-wire disputes.
How one account can hold dollars and naira with separate account details, who holds the money, what it costs to convert, and what to report.
How to read today's naira to USD rate when moving money to the US: the official reference, what banks add, and where to see the live figure.
How NDIC deposit insurance applies to Nigerian accounts held by Nigerians living in the US: limits, joint accounts, FX balances and making a claim.
Why a naira or dom account in Nigeria counts as a foreign financial account for FBAR and FATCA once you are a US person, and the thresholds.
Why Nigerian bank apps lock out customers who move to the US, from device binding to codes sent to old numbers, and the steps to get back in from abroad.
Your Nigerian debit card expired while you live in the US. How renewal works, collection rules, what banks charge, and alternatives while you wait.
The CBN limits and documents that apply when you send dollars from a Nigerian dom account to the US in 2026, and why cash-funded dollars differ.
How to name or update a US-based next of kin on a Nigerian bank account, the details banks ask for, and what next of kin can and cannot do.
SMS codes from Nigerian banks often fail once you move to the US. Why, how to keep your Nigerian line alive, and the token and email options banks offer.
The usual reasons a Nigerian bank declines an outward dollar transfer to the US, from account type to daily caps and KYC gaps, and what to do next.
Which US documents Nigerian banks accept as proof of a foreign address, how recent they must be, and how to get them notarised or certified.
Why Nigerian banks ask diaspora customers for a US visa, green card or other status document, what to send, how to certify it and how to send it safely.
A Nigerian dollar card can be declined in the US for reasons unrelated to your balance. The limits, settings, codes and merchant checks to go through.
FDIC cover applies to deposits at FDIC-insured US banks, not Nigerian banks. Here is what protects a Nigerian dom account instead, and its limits.
How naira depreciation against the dollar affects savings you keep at home while living in the US, and how to decide what to hold in naira.
Several Nigerian banks open diaspora domiciliary accounts remotely. What each bank's own page asks for, the minimums and the BVN step.
The documented ways a parent in Nigeria can pay a US college invoice in 2026: Form A, payment platforms, a dom account transfer, or family in the US.
How to pay electricity, DStv, school fees and other Nigerian bills from dollars in the US when you have no naira account of your own.
Whether Nigerian dollar and naira cards work at US shops, online and at ATMs, what limits banks publish, and the charges to expect.
Naira in Nigeria can pay a US hospital, school or other bill through documented channels. The routes CBN rules allow, what each needs, what to avoid.
A month or more in Nigeria can leave US card bills unpaid if an app is blocked or a code goes to the wrong phone. How to keep every payment on time.
An idle Nigerian account can go dormant in six months to a year while you live in the US. What banks ask for, what works remotely, and the cost.
A US bank cannot accept naira. Someone has to turn the naira into dollars first, and in Nigeria that is a bank or authorised dealer.
Zelle only works between US bank accounts, so money from Nigeria has to reach your US account by wire first. Here is how that works.
Whether dividends on Nigerian shares can be paid straight to a US account or must land in Nigeria first, how a CCI changes that, and the tax.
The exact US details a Nigerian bank needs for a USD SWIFT transfer, the documents it may ask for under the 2026 FX Manual, and the charges on both ends.
What US mortgage lenders need when a down payment gift is wired from Nigeria: the gift letter, the transfer trail, conversion to dollars and timing.
How a former Nigerian employer pays gratuity and terminal benefits to someone now in the US, how they are taxed in Nigeria, and how pension money differs.
The Nigerian estate steps before money is released, the US Form 3520 rule for bequests over $100,000, and how to bring the money over.
How a Nigerian insurer pays a claim to a policyholder or beneficiary in the US, the currency it pays in, how the money reaches you, and US tax points.
Chime's own agreement does not describe incoming international wires and rejects foreign-currency deposits. How a sender in Nigeria can pay you.
What an F-1 student should keep when parents send money from Nigeria: sponsor evidence, transfer records, tuition paperwork and the tax forms that apply.
Can a Nigerian bank pay your Wise USD account details? What Wise's help pages say about Swift from abroad, the receiving fee, limits and naira.
How a Nigerian company pays a US LLC: the invoice its bank expects, withholding tax on services, the dollar account it pays from, and records to keep.
What PayPal Nigeria allows senders to do, the fees on its own Nigeria page, and what changed with the Paga link in 2026.
Cash App is built for US residents with US bank accounts. Why a payment from Nigeria will not land in it, and the routes that do work.
How to get tuition from Nigeria accepted by a US school and bank: the Form A route, the papers Nigerian banks ask for, and what the US side needs.
Selling land in Nigeria while you live in the US: how the buyer should pay, when the deed and Governor's consent fit in, and what to report.
How refunds from Nigerian airlines, schools and vendors reach you in the US: back to the card, to a naira account, or by other routes, and what to ask.
How settlement or judgment money moves from Nigeria to a claimant in the US, the paperwork that makes the transfer clean, and how the IRS treats each part.
Your former Nigerian employer still owes you salary. How to claim it from the US, where it should be paid, what happens to PAYE and pension, and US tax.
How a Nigerian RSA or government pension reaches a retiree in the US: who pays, into which account, the paperwork, and the tax position.
How to collect naira rent from a tenant in Nigeria while you live in the US, what tax applies on both sides, and how to move the money later.
Whether a US credit union can take a dollar wire from a Nigerian bank, what the instructions look like, and the fees that come off on the way.
Whether a US brokerage takes a dollar wire from a Nigerian bank, the checks it runs, and why routing via your own US bank is often easier.
Incoming international wire fees at US banks, what intermediary banks deduct on the way, and how to find your own bank's current charge.
How to sell a car you left in Nigeria while living in the US: getting paid safely, the records to keep, Nigerian tax on the sale and moving the money.
A practical way to divide a US salary between dollar savings and a naira balance for costs at home, with a worked example and the rules to know.
Holding dollars and converting to naira later: how the rate you get is built, why nobody can call the market, and a calmer way to time it.
Converting dollars for a December visit: in an app before you fly or with cash after you land. How the costs compare, and how to spread the conversion.
What the 2026 Nigerian FX rules say about cash leaving Nigeria, how the US $10,000 report treats naira, and why naira notes are hard to use abroad.
A travel notice, where your bank still offers one, lowers the chance a card is declined in Lagos. What it does, what it cannot do, and what to set up.
Nigerian bank letters are in English, so translation is rarely needed. When a US body wants a certified copy, an original or a sworn statement, and how.
Money left 10 years or more in a Nigerian account moves to a CBN-managed fund but can be reclaimed. How the process works and how to run it from the US.
How a green card fits into KYC at a Nigerian bank: why it supports rather than replaces Nigerian ID, which form to use, and how to submit it from the US.
How Nigerian banks handle a change to a US address, the documents they ask for, and why keeping the address current protects your account.
When a US bank holds money wired from Nigeria, it usually wants an explanation. How to find out what it needs, what to send, and what if it is returned.
Why US banks ask about wires arriving from Nigeria, what the anti-money laundering rules require of them, and the documents that answer quickly.
Whether US banks offer foreign currency accounts, the minimums and conversion terms one publishes, why naira is missing, and the alternatives.
Whether your existing BVN is enough to open a new Nigerian bank account from the US, the documents diaspora desks ask for, and when you need an NRBVN.
When holding pounds or euros alongside dollars helps a Nigerian in the US, when it only adds conversion cost, and how to decide what to hold.
Some Nigerian naira cards now work in the US within dollar limits; others are blocked abroad. What banks publish, the cost, and what to check first.
US credit cards work in some Lagos and Abuja hotels, airlines and large stores, but many merchants do not take them. Why issuers block them, and the fixes.
Up to three charges can hit one naira withdrawal: your US bank's fees, the Nigerian ATM's, and the exchange rate. Plus the per-withdrawal caps in Lagos.
Changing the phone number on a Nigerian bank account to a US one: what banks ask for, what stops working, and how it relates to your BVN.
A dollar wire from Nigeria that has not reached your US bank can be traced. Get the UETR and payment confirmation, then ask the right bank.
How to wire dollars from a Nigerian domiciliary account to your own US bank: details to collect, documents, charges, timing and records.
Wise's US page says you can hold naira, but it gives local account details for only eight currencies and NGN is not one. What that means in practice.
You can add the other type later — many of our customers hold both.
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