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 BusinessInvoicing and getting paid · 35 articles
How long a cheque takes to clear in Nigeria, the ₦10 million clearing cap, what the Dishonoured Cheques Act covers, and when to ask for a transfer.
A registered business name can invoice in Nigeria. What to show (BN number, Tax ID), the VAT rule, and why some corporates still want a limited company.
The Money Laundering Act caps cash payments outside a bank at ₦5m for individuals and ₦10m for companies. What that means when a customer pays big cash.
When selling on credit helps a Nigerian small business, and how to write a one-page credit policy: who qualifies, limits, terms, guarantees and review.
How to tell a withholding tax deduction from a short payment in Nigeria, what to ask the customer for, and how to record the gap in your books.
What a lawyer's demand letter does in Nigeria, illustrative fee ranges, when it is worth paying for one, and when you can write it yourself.
Common deposit levels by trade in Nigeria as labelled examples, how to set yours from your material costs, and how to document the deposit properly.
How NIBSS Direct Debit works for subscriptions, school fees and rent in Nigeria: fixed and variable mandates, e-mandates, fees and customer consent.
What the Evidence Act says about electronic signatures on Nigerian contracts, the proof to keep, and where wet-ink signatures are still the safer choice.
How schools, churches and NGOs approve payments in Nigeria, who signs, and how withholding tax and VAT apply when you supply them goods or services.
A written process for invoice disputes in Nigeria: separate the disputed part, ask for payment of the rest, and issue a credit note when you were wrong.
Who offers invoice finance in Nigeria, how much a factor or bank advances, what it costs, and why recourse matters to a small supplier.
The naira legal tender rule, what the CBN Act prohibits, when dollar invoices between Nigerian parties are accepted, and how to show the naira figure.
A simple sequential invoice numbering scheme for Nigerian businesses, and why gaps and duplicates cause trouble at a tax audit and under NRS e-invoicing.
A day-by-day schedule for chasing unpaid invoices in Nigeria, with the right channel at each step: WhatsApp, email, phone call and a final written demand.
An invoice asks to be paid; a receipt confirms you were. Which one a customer, an accountant or the NRS expects, and when to issue each.
Below the VAT threshold? Then your invoice should carry no VAT line. What to write instead, and how to stop customers deducting VAT never charged.
Large Nigerian companies pay suppliers through vendor registration, purchase orders and fixed payment cycles. The steps that get a small supplier paid.
How federal MDA payments to contractors move now that TMRAS has replaced Remita, the documents to have ready and the tax deductions to expect.
What a customer should expect when a business bills them, how they can pay and what proof they get back, with the details the app confirms before you send.
Interest on an overdue invoice is recoverable when the contract provides for it or a court awards it. How to word the clause and work out the figure.
How builders and contractors split a job into paid stages, certify each one and avoid financing a client's project with their own money.
NQR is the NIBSS QR payment scheme: the customer scans, their bank pays yours. How a shop gets a code, how settlement works and which charges to check.
A payment link opens a hosted page where customers pay by card, transfer or USSD. How links work, the fees, and when they beat sending account details.
Post-dated cheques are widely used in Nigeria for loans and rent. What the law says, how banks handle them and what happens if one bounces.
A pro-forma is a priced offer sent before supply; an invoice is the demand once you supply. When to use each, including for import Form M and approvals.
A signed delivery note, dated photos and written acceptance turn an invoice into a debt you can collect. What to gather at each delivery.
Consumer law expects a written record of each sale and tax law expects records. What a minimal cash receipt must show, and how long to keep it.
From polite reminders to a demand letter, mediation and court: the order to follow when a customer will not pay, with the cost and time at each stage.
Lagos small claims courts hear debts up to ₦5 million, with no lawyer needed and a 60-day target. The forms, steps and deadlines to follow.
Edo, Abia and Katsina publish small claims rules like Lagos: debts up to ₦5m, a demand letter first, and a 60-day target to judgment.
The old receipt-stamping rule, the ₦50 charge on electronic transfers of ₦10,000 and above, and what is still unclear under the 2025 law.
A standing order is set and controlled by your customer; a direct debit mandate lets you pull fixed or variable sums. Which suits your business.
Set a credit limit and clear stop-supply triggers before a debt grows, then tell the customer in a way that keeps the relationship alive.
An invoice sent on WhatsApp can be evidence of a debt, if it is complete and you can prove it under the Evidence Act. Where e-invoicing rules apply.
You can add the other type later — many of our customers hold both.
The business first, then you. Nothing is submitted until you review it.
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