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 LoansLoans on Spaces · 30 articles
Why a Loans on Spaces offer can go down, rise or disappear, what it depends on, and what changing it does and does not do to money you already owe.
A Loans on Spaces offer is only an offer. Ignoring or declining it costs nothing, creates no debt and does not affect your account. Here is why.
A Loan on Spaces cannot be sent to another account, wallet or person. It is credit for paying Spaces merchants. What to do if you need a transfer.
Loans on Spaces cannot be taken out as cash at an ATM, POS or agent. Why the credit is spent only with Spaces merchants, and options when you need cash.
You must repay any Loan on Spaces to Solid Allianze MFB before closing your Pryme account. The order of steps, and what happens to Boxes and balances.
The complaint route for a Loan on Spaces: Pryme support first, then Solid Allianze MFB as the lender, then the CBN. What to include at each step.
Loans on Spaces are offered on how your account is run and credit bureau data, not guarantors, collateral or a stack of forms. What that means for you.
Pryme does not access your phone contacts, so nobody in your phone book is messaged. What actually happens after a missed Loan on Spaces repayment.
Money saved in Pryme's Investment Box funds Solid Allianze MFB's lending, including Loans on Spaces. How the loop works and what it means for savers.
Pryme is a technology company, not a lender. A Loan on Spaces is owed to Solid Allianze Microfinance Bank. Why the difference matters to you.
NDIC deposit insurance protects money you have in a bank, not money you borrow. What that means for a Loans on Spaces borrower in Nigeria.
How credit bureau data and the way you run your account feed into a Loans on Spaces offer, and what lenders in Nigeria look for in a report.
Offer, acceptance, drawdown, outstanding balance: what each stage of a Loan on Spaces means, and why nothing moves before you accept the agreement.
New to borrowing? How a Loans on Spaces offer can rest on how your account is run, what a thin credit file means, and why no offer is assured.
Spaces operates in Lagos, Abuja and Port Harcourt. What that means if you live in Ibadan, Kano, Enugu or elsewhere and are thinking about Loans on Spaces.
Who lends, who regulates, where the money can go and what the app can see: how Loans on Spaces differs from a typical Nigerian loan app.
GTBank, Access and Polaris USSD loans pay cash into a salary account. How Loans on Spaces differs on who qualifies, where money goes and acceptance.
BNPL apps split one purchase into instalments at partner stores. How Loans on Spaces differs in who lends, where it can be spent and what you see first.
Cooperative loans rest on your savings, guarantors and a committee. How Loans on Spaces differs in savings needed, timing and where the money can go.
Market moneylenders and daily-contribution collectors lend fast on trust. How their cost, paperwork and protection compare with Loans on Spaces.
A salary advance needs your pay in that bank and pays cash; Loans on Spaces is spent with merchants. Who can get each and how the cost is shown.
Relocating with a Loan on Spaces running? Repayment continues as agreed; spending needs Spaces merchants in Lagos, Abuja or Port Harcourt.
How spending under one Loans on Spaces limit works across different Spaces merchants, what you owe, and how to keep track of each purchase.
An offer you never accept costs nothing and nothing is drawn. What an unused Loans on Spaces offer means, why offers can change, and what to check.
The nine Spaces sectors where a Loan on Spaces can be spent, from groceries and pharmacies to schools and serviced offices, in Lagos, Abuja and PH.
The merchant sees a payment, the lender and credit bureaus see the loan, and nobody else is told. Here is who sees what, and your rights over it.
Loans on Spaces are lent by a CBN-licensed microfinance bank, so you will not find them on the FCCPC loan-app register. Here is how to check.
Credit tied to a merchant network cannot be cashed out or wired to a fraudster. How that limits misuse, fraud and over-borrowing, and the trade-offs.
Loan ads promise speed and certainty. Pryme uses "offered" and "accepted" instead. What the words mean, what the FCCPC rules say, and why it protects you.
Most lenders pay out cash and hope it is used well. A lender that sees each purchase can size limits better. How spend visibility lowers default risk.
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