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 LoansHow to apply · 69 articles
9Credit is an Android loan app listed under Otp Internet Technology. The sign-up steps, what it asks for, how disbursement works and what to check first.
Access Bank lists the checks that reduce or block a PayDay Loan: other loans, an unlinked phone number, no salary last month. What each means and the fix.
Why the Carbon app may say you are not eligible for a loan, how long to wait before trying again, and the changes that make a later offer more likely.
Credit Direct lends to salary earners, including public servants. The documents it usually needs, the ways to apply, and how repayment from salary works.
Applying for a FairMoney business loan: what to prepare (CAC papers, statements, ID), how the request flows and which terms FairMoney does not publish.
Why FairMoney says no: bureau records, unpaid loans elsewhere, BVN or name mismatches, thin account history. What you can fix and how long to wait.
Why *894*11# says you do not qualify for FirstAdvance or FirstCredit: salary, account age, bureau debts, phone number or a running loan, and what to do.
Why *737*51*51# says you are not eligible for QuickCredit: salary not domiciled, a Remita loan, a bureau record, low lodgements or age, and what to fix.
AB Microfinance Bank lends to small businesses and traders. Who qualifies, when a guarantor or collateral is needed, documents to bring, and the steps.
Accion Microfinance Bank lends to small businesses and salary earners. How it assesses you, guarantor and collateral needs, documents, and the steps.
How to sign up for an Aella loan, why BVN and employment details matter, the common reasons for a decline, and what to check before money is sent.
Baobab Microfinance Bank lends to small businesses. Who qualifies, guarantor and collateral rules, documents, branch steps and how to plan repayments.
How the Branch app assesses you, which phone permissions it may request, what history it looks at, why you may be declined, and how to read an offer.
CredPal offers buy-now-pay-later credit through its app. What it asks for, the steps to get a limit, how a purchase is repaid, and what to check first.
Earnipay lets staff of signed-up employers draw pay they have already earned before payday. Who can use it, the steps, the fee to check, and the risks.
EaseMoni is a short-term loan app. How to apply, what it asks for, how to confirm who the lender is on the FCCPC register, and how to read the cost.
The FairMoney loan application step by step: what you need (phone, BVN, ID, bank details), what the app checks and how to read the offer before you accept.
Fast Credit loan eligibility, the documents to have ready, the application steps and how disbursement works, with what to check before you sign.
Applying for a loan at Fina Trust Microfinance Bank: who it lends to, guarantor and collateral expectations, documents to bring, and branch and app steps.
The Fundall loan application step by step: account sign-up, BVN and ID checks, what affects eligibility and where the app shows your offered limit and rate.
Applying for a FundQuest loan in Nigeria: eligibility, the documents salary earners and business owners prepare, the steps and how disbursement works.
What KiaKia asks for, how an application moves from sign-up to payout, and what to read in the offer before you accept a KiaKia loan.
How a Kredi loan application works, what identity and account details to have ready, and the checks to make on the lender before you accept.
What LAPO Microfinance Bank typically asks for, how guarantors and group lending work, and the questions to put to a branch before signing.
The documents a Lendigo business loan application usually needs, the order the steps run in, and how to judge the offer and the lender first.
Migo lends through other companies' apps and USSD menus. Here is how you reach an offer, what it checks, and how to confirm the lender first.
How to approach Mutual Trust Microfinance Bank for a loan: what to bring, guarantor and collateral questions, and the cost checks to make first.
How Nomba merchant credit is usually offered to POS and business users, what drives an offer, the steps in the app and how to weigh the cost.
What OKash asks for (BVN, phone number, bank account), how the application runs, why offers vary, and how to confirm who the lender is.
What Page Financials asks for, how the application runs from form to disbursement, and the checks to make before you accept an offer.
QuickCheck's sign-up and loan steps, the phone permissions it asks for, how its scoring decides an offer and how money is paid to your bank.
How employer-linked salary advance through Salad Africa works, who can use it, the steps to sign up and request money and how repayment comes out of pay.
Sterling Bank's Specta Basic and Specta Xtreme explained: who qualifies, what Sterling lists as limits and rates, and the steps on the app and website.
How borrowing on Sycamore works, the identity, income and statement checks it runs, the steps in the app and the total-cost sums to do before you accept.
What Zedvance asks for, the documents to prepare, how an application moves from request to disbursement, and how to confirm Zedvance's status first.
PalmCredit's sign-up and loan steps, why it asks for your BVN and phone permissions, how offers are decided and how money reaches your bank.
Dial *901*11#, use QuickBucks or the Access app. Who qualifies, what Access Bank charges upfront, and the checks that stop a PayDay Loan request.
Carbon (once Paylater) lends through its app. What it asks for, how linking your bank account or statement helps, the steps, and what 'not eligible' means.
Ecobank's Xpress Loan sits behind an Xpress account opened on *326#. Who it was built for, the steps, why it may not show, and what to confirm first.
How to request FCMB FastCash on *329# or the FCMB app, what the bank looks at, the ₦500,000 limit reported in the press and why requests fail.
How to request a Fidelity Bank digital loan on USSD or the mobile app, what the bank checks, why requests fail and how to read the cost before you accept.
How to request FirstBank FirstAdvance (salary earners) or FirstCredit (non-salary) on *894*11# or FirstMobile, the published limits and what to check.
Step-by-step QuickCredit on *737*51*51#, GTWorld and Internet Banking, the conditions GTBank publishes, the 2.95% monthly rate and a worked cost example.
Applying for non-interest personal financing at Jaiz Bank: how Murabaha and similar contracts work, what to prepare, the steps and why requests fail.
How Keystone Bank customers request a loan by USSD, app or branch, what to prepare, why requests are refused and how to check the real cost first.
Where the Kuda Overdraft sits in the app, what Kuda says makes you eligible, how the daily interest works and how repayment is taken.
Where loan options appear in the OPay app, what affects whether you see one, the steps to take an offer, and the checks to make before accepting.
Where Flexi Cash sits in the PalmPay app, the steps to apply, who tends to be offered a limit and how to work out the real cost before accepting.
The Polaris Bank USSD route for salary advance, where loans sit in the VULTe app, who qualifies and the reasons a request does not go through.
How ProvidusUnity Bank, formerly Providus Bank, handles personal and SME loan requests, what it asks for and why applications stall.
The Stanbic IBTC code for EZ Cash, how to check eligibility in USSD and the app, who the bank lends to and why a request does not go through.
Sterling Bank's payroll loan and Specta explained from the bank's own page: limits by employer, the 39% rate and fees, documents, and how to apply.
Step-by-step: requesting UBA Click Credit on *919# or the UBA app, who qualifies, what the offer screen shows and why requests fail.
Opening an Umba account, linking your BVN, requesting a loan and the usual reasons Umba declines or offers a smaller amount than you hoped for.
How Union Bank salary earners request a digital loan on *826# or UnionMobile, what to check first, and why a Union Bank loan request is refused.
How Unity Bank customers request a loan on *7799# or the app, what the bank checks, why requests fail, and what the ProvidusUnity merger means.
Requesting a loan in the ALAT app or through Wema Bank: who qualifies, the salary loan route, what the offer shows and why an ALAT loan is declined.
Applying for a Zenith Bank loan by USSD, the Zenith app or a branch: salary advance and personal loans, eligibility, and why requests are refused.
Why the Borrow screen in your Kuda app may show no overdraft, the one eligibility signal Kuda states, and the practical steps that can change it.
Moniepoint's stated rules for business loans: six weeks of active use, how to apply in the app or web, documents, tenure and repayment.
Why a Moniepoint business loan application may be declined, what Moniepoint does and does not publish, and how to prepare before trying again.
NewCredit's place on the FCCPC list, what the app usually asks for, each application step, and how to read the offer before you take the money.
Why OPay shows credit features to some users and not others, what you can change, what you cannot, and safer ways to borrow in the meantime.
The usual reasons the Flexi Cash option or limit is missing in PalmPay, what you can change yourself and what only time and repayment history fix.
The usual reasons Renmoney turns down a loan request, from bureau records to statements and affordability, and how to fix each before you reapply.
Who Renmoney lends to, the documents salary earners and business owners need, the channels to apply through and what happens between applying and payout.
Why Sterling's Specta may decline you or offer less than you hoped, based on what Sterling says it checks, and the changes that can raise your next offer.
Why UBA says you are not eligible for Click Credit: salary credits, BVN-linked phone, existing loans and bureau records, and what to fix first.
XCredit loan steps from download to disbursement, the documents and permissions to expect, and what to check on the FCCPC register before you apply.
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