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 Banking how-tosOther fintechs · 114 articles
9PSB's contact centre number, the right email for each kind of query, its office addresses and how to escalate an unresolved complaint to the CBN.
What 9PSB publishes about its limits and charges, what upgrading changes, the CBN tier rules behind them and how to see the fee before you pay.
9PSB runs on *990#. The menu options 9PSB confirms, how your phone number becomes your account number and how to move from USSD to the app.
ALAT account restricted or on Post No Debit? The usual causes, how to find out which one applies, the Wema channels to use and when to go to the CBN.
ALAT app not opening, OTP not arriving or transfers failing? Work through the checks in order, use *945# meanwhile and know when to raise a Wema ticket.
How to open an ALAT account in the app, what you need, why adding BVN and NIN matters for your tier and what you can do once the account is live.
How to reach ALAT by Wema: the help centre ticket form, Wema's contact page, branches, what to include in a complaint and the CBN escalation route.
The card types Wema offers through ALAT, the ₦1,075 renewal cost on its help centre, how to block or replace a card and what to confirm before you order.
What ALAT's own pages confirm about cards for international payments, what they do not, and the questions to settle before you pay abroad.
How goal and fixed savings work on ALAT, what to check about interest, early withdrawal and deposit insurance, with a worked example.
The ALAT and Wema transfer limits that are actually published, the CBN tier rules behind them, and how to find the charge on your own account.
What Wema's *945# code does for ALAT account holders, how to register with *945*01#, the published transfer cap and how to stay safe on USSD.
The order to close a Branch account in Nigeria: clear the loan, empty the wallet, stop the card, then request closure and data deletion in writing.
The Branch contact channels its own pages list for Nigeria, how to write a complaint that gets answered, and when to take it to the FCCPC.
What Branch publishes about its Nigerian wallet, card and transfers, the figures it does not publish, and how to find your own limits and fees.
Why a Carbon account gets blocked or limited, from KYC levels to BVN mismatches, the fix for each, and how to escalate to the CBN if support stalls.
The exact in-app steps for a Carbon statement on Android and iPhone, where it is sent, and what to do when a visa office or lender wants more.
A fix order for a Carbon app that will not sign in or send money: network, update, BVN details, KYC limits, the *1303# fallback and when to raise a ticket.
Closing a Carbon account in Nigeria: what to finish first, the request to send, how to ask for data deletion and how to escalate if nothing happens.
Carbon's published phone number, email, in-app ticket route and office address, checked October 2026, plus the CBN and FCCPC escalation steps.
What Carbon's help centre says a card costs (₦1,000 issuance plus ₦1,500 delivery), who can get delivery, and how to check spend limits.
What to do in the first hour after a wrong transfer from Carbon, what Carbon can and cannot do, and how to escalate to the CBN if it stalls.
Carbon's own FAQ sets transfer and balance limits by KYC level. Here are the figures, the ₦50 stamp duty rule and how to move up a level.
Yes: Carbon lists *1303# for funding, airtime and transfers. Here are the exact strings from Carbon's FAQ and the limits that still apply.
The seven reasons Chipper's own help centre gives for locking an account, what to send, and how to escalate without falling for recovery scams.
Chipper's help centre has no self-service close button. What its deletion FAQ does cover, how to empty your balance first and what to ask support.
Chipper Cash routes support through its help centre and app. What to send for each problem, the Nigeria articles worth reading first, and how to escalate.
Chipper publishes no Nigeria tariff table. The card fees it does state, how the conversion rate is shown and how to work out what a transfer really costs.
What Chipper's help centre confirms about sending to Nigeria: Chipper-to-Chipper transfers, a USD account for incoming payments, and the limits in Nigeria.
Chipper still lists Nigerian card articles, including a US-USD card described in February 2026. Its fees, the $2,000 cap and what to check first.
Chipper's five cash out steps, the 24 to 48 business hour window it gives for bank credits, the Nigerian limits and what to do if money has not arrived.
Cowrywise publishes no self-service closure guide we could find. How to empty savings plans and fund holdings first, and what to ask support for.
How to reach Cowrywise, what to include for savings or fund problems, and how a complaint about an SEC-regulated platform is escalated.
The ways to put money into Cowrywise, how automated saving works, what to check on card debits and how to avoid failed or duplicated top-ups.
The steps to buy a fund on Cowrywise, how unit prices and NAV work, what to read before you choose, and how to read a fund's returns fairly.
Cowrywise withdrawals go to Stash first, then to your bank, with a 24-hour processing window and a small flat fee. Steps, timing and fixes.
How to reach Eyowo, what to put in a complaint, and where to escalate if a microfinance bank does not resolve it, in the right order.
What we could confirm about Eyowo's USSD code, how withdrawals from Eyowo work after its 2024 licence reinstatement, and what to do if a balance is stuck.
Eyowo lost its microfinance licence in May 2023, regained it in stages in 2024 and says it is operating. The timeline, and what it means for customers.
Why a FairMoney account gets restricted, how to tell a restriction from a card freeze, and the route to get it lifted, with regulator escalation.
How to get a FairMoney account statement for a visa, loan or landlord, what to ask for, and how to make a statement others can check.
Closing a FairMoney account means emptying the balance, ending savings plans, settling loans, cancelling the card and getting written confirmation.
FairMoney's listed phone numbers, email and office address, what each channel is for, and the CBN and FCCPC routes if a complaint stalls.
What FairMoney says about its card, how to request one, what to ask about fees before you order, and how to freeze it if it goes missing.
Sent money to the wrong account from FairMoney? Report it at once with the session ID, what FairMoney and the receiving bank can do, and how to escalate.
How FairSave, FairTarget and FairLock earn interest, when you can withdraw, what NDIC cover applies, and how to compare a quoted rate properly.
What FairMoney publishes about transfer fees, why your transfer limit depends on your verification level, and how to find your own figures in the app.
FairMoney is built around its app and we found no published USSD code for transfers. What that means offline, the alternatives and the fake-code risk.
Where to get help with Send App by Flutterwave as at October 2026: the support centre, the request form, what to include and how to escalate.
How Send App by Flutterwave shows its transfer fee and exchange rate before you pay, what "flat fee" means, and how to compare the real cost of a transfer.
Your Send App transfer has not arrived. How to read its status, what to check on both sides, and how to raise it with support with the right evidence.
Where you can send from, how Nigerian recipients are paid, how to fund a transfer, the $20,000 ceiling Send App states, and how fees and rates show.
9PSB is a CBN-licensed payment service bank. What that licence allows, what it bans, how deposits are protected and where the gaps in public detail are.
What the FCCPC register confirms about Branch, what Branch's own pages do not say about wallet deposits, and how to judge how much to keep there.
Carbon says it is a CBN-licensed microfinance bank with NDIC-insured deposits. What that cover is worth, its limit and what it does not protect.
What Chipper's own pages confirm about its Nigerian set-up, what they do not, and the checks to make before you hold money in the app.
Cowrywise holds an SEC fund and portfolio management licence and works with a trustee. What that protects, what it does not, and what to check.
FairMoney operates as Fair Money Microfinance Bank, CBN-licensed since 2021. What NDIC cover means for your balance, the limit, and how to check.
What MoMo PSB’s own pages say about its CBN licence and NDIC cover, what a payment service bank may and may not do, and how to keep your wallet safe.
What Nomba’s site says about its CBN licence and NDIC cover through Nombank MFB, what that cover means in naira, and checks for business owners.
Pagatech Limited is licensed by the CBN to provide mobile money services. What that licence means, where naira balances sit and what is on you.
Paystack says it is certified to PCI Service Provider Level 1 and encrypts card data in its own vault. What that protects, and what it does not.
Smartcash is Airtel Nigeria's payment service bank, a CBN licence category. What that means for your money, NDIC cover and wallet security.
Sparkle is run by Sparkle Microfinance Bank, which says it is CBN-licensed and NDIC-insured. What that covers, the ₦2m limit, and how to check.
V Bank is run by VFD Microfinance Bank, which says it is CBN-licensed with NDIC-insured deposits. What the ₦2m MFB cover means and how to check it.
The requirements MoMo PSB lists for agents, including ID, a shop and ₦20,000 working capital, the application steps, and what it says about commission.
Every MoMo PSB contact channel on its own website as at October 2026, which to use for what, what to include, and how to escalate an unresolved complaint.
Open a MoMo PSB wallet on *671# or the app, what MoMo’s own pages say about NIN and BVN, the three tiers and their limits, and what a PSB account can hold.
MoMo PSB’s published deposit and balance limits for each tier, the flat ₦10 fee for transfers to other banks, and what its pages leave unstated.
The MoMo PSB USSD code *671# and the short codes MoMo publishes for BVN linking and wallet funding, what each does, and how to keep a USSD wallet safe.
The cash-out channels MoMo PSB names, how to withdraw safely at an agent, what its pages say about fees and ATMs, and a cheaper route via your bank.
What Nomba says its business account includes, what it lists (and does not list) as requirements, and the documents to have ready before you open one.
Nomba’s published phone lines, email and office address as at October 2026, what to include when you report a problem, and how to escalate a complaint.
What Nomba publishes about POS charges and settlement as at October 2026, what it leaves out, and how to work out what a terminal costs your business.
Nomba sells its Mini, Pro and MAX terminals outright and leases the Lite. What you need, how ordering works and what the page does not say.
A card sale that has not reached your Nomba balance is usually pending, reversed or disputed. How to tell which, what to collect and how to escalate.
Paga's terms let you request your transaction records at any time by phone, online or at a field office, free of charge. How to ask and what to check.
Paga signs up agents who handle deposits, withdrawals, bill payments and transfers for a commission. What the help centre covers and what to ask first.
Paga closes an account on request through Customer Services. What happens to your balance, card and linked debit orders, and the order to do it in.
Paga's phone lines, email, WhatsApp, X handle and fraud address in one place, plus how to escalate a complaint that has not been resolved.
Paga's own pages point to two routes for foreign money: its PayPal integration and a Paga USD account. How each works and what to confirm first.
Paga cannot pull back a completed transfer on its own. What its terms say, the order to act in, and how the receiving bank fits into a recovery.
What Paga's published price list shows for bank transfers, agent cash-out and card funding, how KYC levels cap you, and why to check the app today.
Paga's USSD service runs on *242#, with *242*14# for verification codes. What Paga's help centre covers, the PIN rules and how to use it safely.
Paystack is a payment processor, so a 'Paystack' line on your statement means a business charged you through it. How to find that business and act.
A checkout that fails after your bank takes the money is usually a pending hold or a payment the merchant has not matched. The steps, in order.
A repeat Paystack charge comes from a merchant using a card you saved with them. Cancel with the merchant first, then use your bank if it carries on.
A merchant starts every Paystack refund. Once it is marked processed, Paystack says funds can take up to 10 business days to reach you.
Most 'stuck' PiggyVest withdrawals hit a published rule: the 10-hour gap, the ₦3m processing window or a name mismatch. How to tell which.
PiggyVest has no one-tap delete for personal accounts. You contact support, wait for locked funds to mature and are paid on a free withdrawal date.
PiggyVest's published phone, email, social handles and office address, plus the dispute steps in its Terms and where to go if they fail.
Piggybank, Target and Flex Naira differ in when you can withdraw, what an early exit costs and how interest is paid. The rules, side by side.
Flex Dollar takes naira or US transfers. Deposits to its US account number cost 0.3% within a $5 to $25 band; withdraw in naira or in dollars.
PiggyVest takes Nigerian MasterCard, Visa and Verve cards, transfers to your Flex Naira account number, Pocket and in-app moves. What each suits.
What PiggyVest's own Terms, FAQ and security page say about the company, its partners, regulation and insurance, and what they leave unsaid.
Safelock locks naira for a term you choose. Upfront-interest locks open only at maturity; interest-at-maturity locks can be broken from day 91.
Withdrawals leave from Piggybank or Flex Naira to a bank account in your own name. The steps, minimums, timing and the ₦3m processing window.
Piggybank is free to withdraw on 31 March, 30 June, 30 September and 31 December or your own date. Outside them, 3.5% of the amount is charged.
Smartcash runs a large cash-in and cash-out agent network. How the agent role works, where to apply and what to confirm before you sign up.
Smartcash's USSD menu is *939# and TechCabal reports a toll-free dispute line, 939. How to raise a complaint and where to go if it stalls.
Smartcash fees on transfers, bills and SMS alerts as reported, the stamp duty that still applies, agent cash-out charges and how to find your limit.
How to open and use a Smartcash PSB account by dialling *939#, what the menu covers, the *9393# withdrawal code and the fees to check first.
Sparkle Business is for Sparkle personal account owners who have a TIN. What you need, what the invoicing, payroll and tax tools do, and gaps to check.
How to reach Sparkle: the support email, Indy chat, the ticket form and status page, plus how to escalate a complaint that is not resolved.
Sparkle offers a physical debit card with Lagos delivery and in-app freeze and limit controls. How to request it, and why to check the fee in app.
Open a Sparkle account on your phone in minutes, then upgrade with identity and address checks. The steps, the tiers and the features explained.
Sparkle's published limits: ₦100,000 per transfer and ₦500,000 daily at Tier 2, ₦1m and ₦4m at Tier 3. What is known about charges and how to lift limits.
V Bank's listed phone line is 0201 227 1396. Its other channels, what to include in a complaint, and where to escalate if VFD MFB does not resolve it.
V Bank lists a debit card among its channels and publishes Debit Card Terms. How to request one, what to check on fees, and what to do if it is lost.
Opening a V Bank account with VFD Microfinance Bank: the app steps, why BVN and NIN decide your tier, and the details to have ready before you begin.
Sent money to the wrong account from V Bank? Report it the same day on 0201 227 1396 and in writing, what to include, and what to do if it is not returned.
How V Bank's Target, Crew, Fixed Deposit and Child savings differ, how interest generally works, and what to read in the app before locking money.
V Bank does not publish a transfer fee schedule or limits on its homepage. How limits are set by KYC tier, what to check in the app, and how to raise them.
Yes: V Bank's own blog names *5037# as its USSD code, for airtime, bills and more. What it is for, how to use it safely, and the other offline options.
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.
Ideal customer profiles
Generated from your website by VerifiedLead.ai
Pick the ones that look right. Your Sales agent works these first, and you can change them at any time after opening.
We ask this because you have not given us a website. It helps us set the right limits from day one.
Which of these represents you?
Officers listed against this company on the UK register.
We have sent a six-digit code to your email address. Enter it below to confirm the address is yours.
Wrong address? Go back and change it — nothing is created until this step passes. We never ask for a code by phone or email; anyone who does is not us.
Last step. Each time you sign in we email you a six-digit code — we never send codes by SMS.