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 CanadaInvest and save at home · 82 articles
PenCom lets you keep your RSA when you relocate, but we found no rule paying it out because you left. What you can access, when, and what to update.
Blocks, roofing, approvals, interest while you build: which Nigerian rental build costs add to your cost base and which you deduct from rent in Canada.
Bought a car in Nigeria for a driver to run for hire? How the income goes on a Canadian return, the naira rate problem, and the records that hold up.
How Nigerians in Canada can subscribe to FGN Savings Bonds: the CSCS account and naira bank account needed, how coupons arrive and the Canadian tax side.
How to have an Abuja lawyer search a plot at AGIS before you pay from Canada: what AGIS records, which titles count and how to authorise the search.
Putting both names on a Nigerian title does not split the tax if one spouse paid. How the CRA's attribution rules treat rent and gains on joint property.
How to place a Nigerian Treasury bill order through your bank’s app while living in Canada: access, funding in naira, minimums, tax and maturity.
Holding a Lagos or Abuja property in a Canadian company changes the tax rate, the filings and the paperwork. T1135, T1134 and when each applies.
How to convert the cost of a naira investment into Canadian dollars for CRA: which rate and date, what goes into ACB, averaging, and records to keep.
Canada has no social security agreement with Nigeria. What that means for combining Nigerian and Canadian work years, CPP, OAS and your RSA.
When a Canadian resident sells property in Nigeria, both countries can claim the gain. How each side taxes it and how the foreign tax credit works.
A labelled CAD 10,000 example comparing a GIC with a 364-day Nigerian T-bill once Nigerian withholding, Canadian tax and naira moves are counted.
How capital cost allowance works on a rented building in Nigeria: Class 1 at 4%, no land, the half-year rule, the rental-loss limit and recapture on sale.
You can keep a TFSA after leaving Canada, but contributions made while non-resident are taxed at 1% a month. What to do with the account before you go.
CPP can be paid abroad, but direct deposit depends on Canada's country list. How payment works if you retire to Nigeria and the 25% non-resident tax.
A widow or widower in Nigeria can apply for the CPP survivor's pension. Who qualifies, how the amount is set, how to apply and what tax is withheld.
Which costs of a rented Lagos flat a Canadian resident can deduct on Form T776, the repair versus improvement line, and the records the CRA expects.
An executor in Canada handling a death with Nigerian bank accounts, land or a pension: what the Canadian side covers and why Nigeria needs its own grant.
If relatives collect rent on your Lagos flats, the rent is still your income in Canada. Who reports it, which costs count and how to keep records.
Own a farm in Nigeria, share in one, or put money into an agri-investment scheme? How each is taxed for a Canadian resident and what Nigeria exempts.
FGN bond coupons for a Canadian resident: Nigeria's exemption, reporting the interest to the CRA, and why there may be no foreign tax to credit.
An FHSA can only fund a home in Canada. How it compares with buying Nigerian land on tax, liquidity and currency, with labelled examples.
How a Canada resident opens a CSCS account through a Nigerian stockbroker to hold NGX shares: documents, notarised ID, biometrics and the CHN.
A cash gift to an adult child in Nigeria to invest is not income for you in Canada. When attribution rules bite, and why a gift must really be a gift.
How a home equity line of credit works, what it costs, whether the interest is deductible and the currency risk of a CAD debt funding a naira asset.
A home in Nigeria can be designated as your principal residence for CRA purposes if it meets the tests. The one-home rule and the residence formula.
CRA's income-earning test for interest on money borrowed to buy Nigerian shares, T-bills, land or a rental, with labelled examples of what passes.
What a Canada-resident angel reports after buying shares in a Nigerian startup: T1135, the CAD cost base, capital gains or losses, and the papers to keep.
A Lagos developer is selling plots or off-plan homes at a Toronto event. What to verify before you pay: registration, title, contract and payment route.
Rent from a Lagos flat goes on Form T776 in Canadian dollars: converting naira, deductible costs, capital cost allowance and the 10% Nigerian tax.
Interest a relative in Nigeria pays you is income on your Canadian return. How to time it, convert it, handle any Nigerian tax and document the loan.
A farm scheme or crypto club in Nigeria took your savings. Whether the CRA will see a capital loss, and the paperwork you need to show.
There is no PenCom route that transfers an RSA into a Canadian RRSP. What PenCom lets diaspora members do, and how a cash withdrawal is taxed in Canada.
Keep it, cash it in before you go, or draw it down from Lagos? How the CRA treats an RRSP when you leave Canada and the 25% withholding on withdrawals.
A labelled example of the FX-adjusted return on a naira investment: the formula, the break-even fall in the naira, and what it means over several years.
Why Nigerian shares that rose in naira can still produce a Canadian capital loss, how CRA computes it in CAD, and when the loss can actually be used.
How to set standing rollover instructions on Nigerian T-bills from Canada, what happens to the discount at each maturity, and the paperwork to keep.
Dividends from Nigerian shares on a Canadian return: report the gross amount in CAD, no gross-up or dividend tax credit, and claim the Nigerian tax.
The Nigeria-only ETF has gone quiet and the main option is an Africa-wide fund. What each holds, where it trades, and what to check before buying.
Interest on a dollar fixed deposit at a Nigerian bank goes on line 12100, converted at the Bank of Canada USD rate. Timing, withholding and T1135.
What Nigerian dividend tax means for Canadian residents, what the Canada-Nigeria treaty allows, and how the 10% deduction becomes a Canadian credit.
A Nigerian USD mutual fund held by a Canadian resident is taxable in Canada and counts towards the T1135 threshold. Reporting income, gains and the form.
Coupons from Federal Government of Nigeria Eurobonds are foreign interest for a Canadian resident. Converting USD coupons, sales, T1135 and Nigerian tax.
Nigeria's dollar Eurobonds usually trade in large lots. What a Canadian platform may offer, what to ask its bond desk, and the smaller dollar alternatives.
How a Canada-resident reports interest on a Nigerian naira fixed deposit: when, at what exchange rate, the 10% withholding credit and the records to keep.
When a loss on Nigerian land can be claimed as a capital loss in Canada, when it cannot, and how naira moves change the Canadian-dollar result.
Selling a plot in Nigeria to a buyer who pays over several years? How the CRA's capital gains reserve spreads the gain, and when you cannot use it.
Personal-use property is excluded from T1135, but vacant land and rental property count. How the CRA draws the line and when the $100,000 test bites.
When a relative dies in Canada leaving money or land in Nigeria, the family usually needs Nigerian letters of administration. The steps.
What the FMBN and NiDCOM diaspora mortgage asks of a Canada-based applicant, the documents to prepare, and the naira repayment risk to plan for.
How a Canadian resident reports Nigerian mutual fund distributions and redemptions, why fund units count for T1135, and the records you need.
A Nigerian retiree life annuity paid to someone living in Canada goes on line 11500. How to convert it, claim credits and check the insurer.
Topping up a Nigerian RSA from Canada earns no Canadian deduction. What PenCom rules say about voluntary contributions and withdrawals.
Buying land or a house in Nigeria with money from Canada? The records that show where the money came from and support your cost base when you sell.
On becoming resident you are treated as reacquiring property at its fair market value. Why that value matters, how to prove it, and the naira trap.
Apps selling slices of Lagos property to Canadians may be offering securities under Canadian law. What regulators say and what to check before you invest.
How Nigerian land, houses and bank accounts come into an Ontario property settlement, how to value and prove them, and where Nigerian law comes in.
How a Canada-resident reports units in a Nigerian REIT: distributions in CAD, Nigerian withholding, T1135 treatment of the fund, and gains on sale.
A brother holds the Lekki plot in his name, but the money was yours. What Form T1135 asks, and the trust questions to settle first.
Payments from a Nigerian RSA are foreign pension income for a Canadian resident. How they are reported, what the tax treaty allows, and what stays unclear.
Why shares listed only on the Nigerian Exchange are not qualified investments for an RRSP or TFSA, and which Nigerian exposure can sit inside one.
The CRA treats the gap between what you paid for a Nigerian T-bill and what you got at maturity as interest. When to report it and how to convert naira.
Canadian residents report world income, including Nigerian Treasury bill interest. How to work out the interest, convert it and claim the Nigerian tax.
RRSP room comes from the previous year's earned income on a Canadian return, so most newcomers start with none. How it builds and what to use meanwhile.
CPP and OAS paid to a Nigerian resident face Part XIII tax, usually a quarter of each payment. The treaty, the OAS return and the section 217 option.
OAS is paid abroad only after 20 years' residence in Canada since 18, and Nigeria has no agreement to help. The rule, the six-month cut-off and the tax.
What an Ontario will can and cannot do for land and accounts in Nigeria, why Nigerian probate is still needed, and when a separate Nigerian will helps.
Many Nigerian-Ontarians use two wills: one for Ontario assets, one for Nigeria. How the pair works, what it does to Ontario estate tax, and the risks.
A house in Nigeria received as a gift takes its fair market value on the day you got it as your Canadian cost. What to record now for a future sale.
How Nigerian Canadians in Ontario report a dubious scheme to the Ontario Securities Commission, what to send, and what a regulator can and cannot do.
Yes, if the course passes the CRA's length tests: three weeks full time at a university, 13 weeks elsewhere. How the tests apply to Nigerian schools.
An RESP can still pay a student at a Nigerian university, but the grant portion depends on the student staying a Canadian resident. What to plan.
Canada taxes the gain in Canadian dollars, Nigeria in naira, and the two figures can be far apart. How each is worked out and how the credit works.
The steps from selling NGX shares through your stockbroker to getting the naira proceeds converted and into a Canadian account, plus the CRA side.
Buying plots in Lagos or Abuja to resell can be business income in Canada, fully taxed, rather than a half-taxed capital gain. How the line is drawn.
What a Nigerian broker asks a Canada resident for: BVN or NRBVN, NIN, ID and proof of a Canadian address, plus how the depository account fits in.
Shares in Nigerian companies held through a CSCS account count as specified foreign property. How the CRA measures the $100,000 cost test.
You can keep a TFSA after leaving Canada, but contributing as a non-resident costs 1% a month and Nigeria may tax what it earns. What to do before you go.
Newcomers get the full TFSA limit for the year they become resident, but nothing for earlier years. How the room works and the over-contribution trap.
How to find and claim old Nigerian dividends from Canada: the SEC non-mandated list, the e-dividend mandate, the registrar, and the Canadian tax side.
Taking RRSP money to buy Nigerian land means withholding at source and full income tax at your marginal rate. How the numbers work, with an example.
Canadian apps focus on North American markets. What that means for NGX shares, and the three routes Nigerians in Canada use for Nigerian exposure.
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