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 LoansMortgage and car · 45 articles
What Nigerian banks ask for before a mortgage: income and repayment ratio, equity, clean title, valuation, insurance, age limits and the appraisal steps.
Operating lease, finance lease or car loan: who owns the car, who pays for maintenance, how tax treatment differs and how total cost compares.
Lenders insist on comprehensive cover because the car is their security. What it costs, how lenders list it and how a claim is paid while you owe.
What a lender can do when you miss car loan repayments, how repossession and sale work, whether you still owe a shortfall, and your options.
Deposits differ by bank. Lenders ask for 10% to 30% equity on car loans; why used cars need more and how the deposit changes your repayment.
How Nigerian lenders price car loans, from the CBN policy rate to your own risk, where to see current rates and a worked total-cost example.
Equity, tenure, insurance, tracker and the steps from quote to keys: how Nigerian banks and lenders structure a car loan.
The documents and eligibility tests Nigerian lenders apply for car loans: ID, income, statements, pro-forma invoice, insurance, and used-car rules.
No payslip, no problem? How Nigerian lenders judge self-employed car loan applicants, what income evidence works and which products accept it.
How long Nigerian car loans run, how vehicle age limits shorten tenure, and what a longer term does to your monthly payment and total interest.
How the CALM Fund from CREDICORP, MoFI and the Presidential CNG Initiative finances petrol-to-CNG conversions, how to apply and what is unpublished.
Dealer-arranged finance or a loan from your bank: how they differ on rate, ownership, equity and flexibility, and what to compare before signing.
How Nigerians abroad borrow to buy a home in Nigeria: FMBN’s diaspora NHF loan, bank mortgages, income checks abroad and currency risk.
What Family Homes Funds does, how its Help to Own deferred-equity loan was designed, who it targets and what to confirm before you apply.
Who qualifies, how NHF contributions work from abroad and how to apply for FMBN’s 2026 diaspora mortgage of up to ₦100m at 9%.
FMBN’s Home Renovation Loan as its conditions sheet sets it out: ₦1 million cap, 6% or 8% rate, up to 4 years, who qualifies and how to apply.
How FMBN’s Rent-to-Own scheme works: move in, pay monthly for up to 30 years, own at the end. Eligibility, price cap, documents and steps.
How an NHF mortgage through FMBN compares with a bank home loan on rate, caps, eligibility and speed, with a worked example in naira.
Under hire purchase you hire the car until the last payment. What the Hire Purchase Act says on ownership, termination, repossession and cost.
Can you borrow against a house you own in Nigeria? How banks lend on property, how much they lend, the title they need and the risks.
How cooperative housing schemes and FMBN’s cooperative housing loan work in Nigeria: eligibility, how estates are developed and what to check.
Step-by-step NHF mortgage application through an accredited primary mortgage bank: contributions, documents, title, equity and FMBN approval.
Who qualifies for Lagos State’s HOMS rent-to-own homes: residency, tax, first-time buyer, 5% commitment fee, the 33% income test and steps.
Can you borrow against a car you already own in Nigeria? How lenders value it, register their claim, what it costs and what happens if you miss payments.
What a Nigerian lender can do when mortgage payments stop: the mortgage deed, power of sale, receivers, Lagos law and your rights to any surplus.
How much you must put down for a Nigerian mortgage: bank and NHF equity levels, PenCom's 25% RSA rule, the fees on top, and ways to raise it.
The insurance Nigerian lenders require on a home loan: fire and special perils, credit life, title cover; who pays, what it costs and how claims work.
Why Nigerian mortgage rates are so high: the MPR, banks' cost of funds and reserve rules, NHF and NMRC pricing, and where to check today's rates.
A ₦30 million mortgage worked through in naira: the formula, a year-by-year schedule, total interest, and how rate and tenor change the monthly figure.
Why Nigerian bank mortgages usually run 5 to 10 years, how NHF loans reach 30, the age caps that cut tenor, and what a longer term saves you.
A 10-year naira comparison of renting against buying with a bank or NHF mortgage, the price growth buying needs, and the factors beyond money.
What the National Housing Fund deduction is, who must pay it after the 2022 change to the NHF Act, how it is worked out and what you get back.
Self-employed Nigerians and the National Housing Fund: what the amended NHF Act says, how to contribute 2.5% of income, and proving it for a loan.
Who qualifies for an NHF housing loan, the ₦50 million maximum FMBN now states, what the loan can be used for, and the income each amount needs.
How FMBN prices NHF mortgages and how long they can run, how the margin is shared with the PMB, related FMBN rates and worked monthly repayments.
Who can claim a National Housing Fund refund, the documents FMBN asks for, how the process runs and what we know about interest on contributions.
What the Nigeria Mortgage Refinance Company does, why it never lends to you directly, and how its uniform underwriting standards shape your mortgage.
How Ijara and Diminishing Musharaka home finance work at Nigerian non-interest banks, what you pay instead of interest, and what to check first.
Prepayment clauses, how to get a settlement figure, what it should include, and how to get your title documents back after paying off a Nigerian mortgage.
How primary mortgage banks and commercial banks differ for Nigerian home loans: NHF access, pricing, limits, documents and when to use each.
The official portal, the uniform prices the Housing Ministry set for Renewed Hope Estates, payment options, and how an NHF mortgage fits in.
How PenCom lets you use a quarter of your RSA balance as a mortgage deposit: the 60-month test, the retirement cut-off, the shortfall rule and steps.
Which land titles Nigerian mortgage lenders accept, why the Governor's consent matters, how perfection works and why some properties cannot be mortgaged.
Which Nigerian banks finance used cars, the age and mileage limits they set, how much equity they want, and a worked example of total cost.
How Nigerian businesses finance trucks, buses and vans: bank asset finance, leasing, equity, tenure and repayment from contract income.
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