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 LoansIs it legit · 62 articles
How AB Microfinance Bank loans work, the usual types of microfinance loan, what lenders ask for, and how to verify its licence yourself.
Both sit under Access Bank's PayDay scheme, but one is repaid at your next salary and the other over six months. Here is how they differ.
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How to confirm Accion Microfinance Bank's CBN licence, the kinds of loans an MFB like Accion offers, and what lenders ask of applicants.
How to confirm Baobab Microfinance Bank's CBN licence, what its loan types are for, and what traders and SMEs should expect when they apply.
Ecobank's Xpress Loan launched beside Xpress Save, but its loans page now lists other salary products. What the bank publishes today and how to check.
FairMoney Microfinance Bank lends to businesses as well as individuals. How a business loan differs from a personal one and what lenders look at.
FCMB FastCash explained: what kind of loan it is, the signals FCMB looks at, how to read the cost, and how it differs from a loan app.
Fidelity Bank personal and salary loans: the kinds of loan a Nigerian bank offers, who usually qualifies, what to check and how they compare with apps.
Fina Trust Microfinance Bank loans: how to verify its CBN licence, the kinds of loan it is known for, what you will be asked for, and how to read the cost.
FirstBank FirstAdvance salary advance explained from the bank's own page: who qualifies, the two variants, every charge and a worked cost example.
GTBank QuickCredit explained: who GTBank says can apply, how limits are offered, how it differs from loan apps, and how to read the total cost.
9Credit is run by OTP Internet Technology, which was on the FCCPC digital lender list in October 2026. What that means and how to check.
Aella appears on the FCCPC register of approved digital lenders under Aella Financial Solutions Limited. What that means and what to check yourself.
Branch is on the FCCPC's register of approved digital lenders under Branch International Financial Limited. How to check it and spot fake copies.
Carbon, once called Paylater, is on the FCCPC digital lenders register as Carbon Microfinance Bank Limited. What that tells you and how to spot clones.
Credit Direct is part of FCMB Group and lends mainly against salaries. How to confirm its licence, its FCCPC listing and its real channels.
CredPal is on the FCCPC register as Crednet Technologies Limited. What its credit products are and how to check you are using the real CredPal.
Earnipay lets workers draw pay they have already earned before payday, through their employer. How it works and how to check its standing.
EaseMoni is reported as a platform of Blue Ridge Microfinance Bank. What we found on the FCCPC register, and the checks to run on any copy.
FairMoney lends through Fair Money Microfinance Bank, listed on the FCCPC register of approved digital lenders. How to confirm it and avoid imitators.
Fast Credit Limited, its reported CBN licence, what the FCCPC approvals page showed in October 2026, and how to avoid lookalike apps.
How to check whether FundQuest is a licensed lender in Nigeria: CBN lists, CAC search, the FCCPC approvals page, and the warning signs of impersonators.
KiaKia appears on the FCCPC approvals list under Kiya Bits Limited. What that listing means, what it does not, and how to check the app you use.
How to verify Kredi Bank before you save or borrow: the CBN list, NDIC cover, the FCCPC register and the many lookalike "Kredi" names.
Lendigo in Nigeria: what we could and could not confirm about its licence, the FCCPC approvals page in October 2026, and how to check it yourself.
Lidya was a real business lender, not a personal loan app, and it has been reported to have left Nigeria. How to check any SME lender today.
Migo, once Kwikmoney, is a credit technology firm that offers loans through partner banks and businesses. What the FCCPC list shows, and how to check.
NewCredit appears on the FCCPC approved lenders list under Fezotech Nigeria Limited. What that means, what it does not, and how to avoid fake copies.
Nomba is a payments company for merchants. What to know about any credit shown in its app, who the lender is, and how to check registration first.
OKash is linked to Blue Ridge Microfinance Bank. What the FCCPC list shows, why "OK Cash App" is a different company, and how to spot the real app.
OPay is a payments app; credit shown inside it comes from a lending partner named in the terms. How it works, what the registers show and what to check.
Page Financials offers loans to individuals and small businesses. What the FCCPC and CBN registers show, the products it presents and how to verify it.
PalmCredit is commonly linked to Newedge Finance, yet two "PalmCredit Plus" apps sit on the FCCPC list under other firms. What to check before you borrow.
We checked the FCCPC approved lenders list for Pennylender in October 2026. What we found, how to read its offer screen, and where to complain.
QuickCheck is on the FCCPC approved list under Arve Limited. What that approval covers, what it does not, and how to spot the official app.
Renmoney says it is a CBN-licensed microfinance bank and its loan app is on the FCCPC approved list. What that means and how to use the real channels.
Salad Africa is on the FCCPC approved list as Salad Technologies Limited. What that covers, how a salary advance is priced and how to check the app.
Specta is Sterling Bank's own digital lending platform. Who the lender is, what Sterling publishes on rates and tenors, and how to use the real app.
Sycamore says it holds an SEC licence, and its app is on the FCCPC approved list as Sycamore Integrated Solutions Limited. What each one covers.
Umba is on the FCCPC approved list as Umba Digital Solutions Limited. Its banking licence is Kenyan, so here is what that means for Nigerian users.
XCredit appears on the FCCPC's watchlist and delisted apps lists, with no company named. What that means and what to do if you already owe XCredit.
Zedvance Finance Limited says it is licensed by the CBN, and the FCCPC lists it on its waiver table. Its payroll loans, business products and channels.
How Jaiz Bank finances people and businesses without interest: sale, lease and partnership structures, who qualifies, and how to compare the cost.
Keystone Bank loans explained: the main types of personal and business credit, what the bank usually checks, how to read the cost, and what to ask.
Kuda Overdraft explained: what it is, who Kuda offers it to, how interest builds while you use it, and how Kuda's MFB licence fits in.
Kwikmoney now trades as Migo. What the rebrand changed, why your old loan still counts, and safe steps to confirm and repay a legacy balance.
LAPO Microfinance Bank loans explained: group and individual loans, what the bank usually asks for, how to verify its licence, and how to read the cost.
What we found about LCredit's status in October 2026, why loan apps vanish from app stores, whether your loan is still owed, and how to handle contact.
Moniepoint is best known for business credit to merchants. What personal credit may appear in the app, who lends it, and how to check before you accept.
How to confirm Mutual Trust Microfinance Bank’s licence, the loan types microfinance banks usually offer, and what to ask at a branch before borrowing.
Flexi is the name PalmPay uses for credit inside its app. What each feature does, why the lender may not be PalmPay, and what the registers show.
Paylater's rebrand to Carbon changed the name, the scope of the app and the lending entity borrowers deal with. What it means for old and new users.
Polaris Bank’s salary advance is for customers whose salary is paid into Polaris. Who qualifies, the documents listed and how it compares with loan apps.
Providus Bank, now ProvidusUnity after merging with Unity Bank, lists a payday loan for salary earners. The requirements, and how it compares with apps.
EZ Cash is Stanbic IBTC's quick personal loan with repayment of up to 24 months. How it is reached, what the bank's loan FAQ asks for, and how it differs.
Sterling's payroll, asset, home and small-business loans: rates, limits, fees and eligibility as the bank's own loans page states them in October 2026.
UBA Click Credit is a digital loan from United Bank for Africa. What we could and could not confirm on UBA's page, and how a bank salary loan is judged.
How Union Bank's salary advance and personal loans work, what we could confirm from the bank in October 2026, and how to judge an offer before you accept.
How Unity Bank loans work for salary earners and small businesses, what we could not confirm in October 2026, and what to check on the bank's own channels.
ALAT loans are lent by Wema Bank inside its digital banking app. How in-app offers are set, what we could not confirm, and how to judge an offer.
How Zenith Bank's personal loans are usually structured, what we could not confirm from the bank in Oct 2026, and how an offer compares with a loan app.
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