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 Savings & investingPension · 40 articles
Under the Contributory Pension Scheme, benefits start at retirement or age 50, whichever is later. The options, the lump sum test and the exceptions.
Retiree life annuities can only be bought from NAICOM-licensed life insurers. How to check who is licensed, who is suspended and what protects annuitants.
Not re-employed within four months of leaving a job? You can withdraw up to 25% of your RSA, once. Who qualifies, the steps and the long-term cost.
Your RSA statement shows every contribution your employer paid in. How to read it month by month, spot gaps and short payments, and what to do next.
Your RSA balance is held by your PFA, not by PenCom. The routes to check it, what you need first, and how to read the figure you are shown.
Choosing a Pension Fund Administrator comes down to four things: returns over time, fees, service when you claim, and fund size. How to judge each one.
Unit prices are the fairest way to compare PFA returns. How to calculate a return, annualise it, adjust for inflation, and avoid the common traps.
A fact-based look at Stanbic IBTC Pension Managers, AccessARM Pensions and Leadway Pensure on published size data, and how to compare their returns.
Nigeria moved from defined benefit pensions to the Contributory Pension Scheme in 2004. What changed, who stayed on the old rules and who pays them today.
If your pension is deducted but not remitted, the law is on your side. The steps from checking your statement to a PenCom complaint and recovery.
Who must run the contributory pension scheme, what to deduct and add, the seven-working-day remittance rule and the penalties PenCom applies.
The routes PFAs use to send RSA statements, what you need before you ask, how to read one and what to do when contributions are missing.
A labelled example of an RSA growing over 25 years, and how PenCom's 50%-of-pay test turns the balance into a lump sum and monthly pension.
Where PenCom publishes the list of licensed Pension Fund Administrators, how to check a PFA before you sign, and how to spot a fake one.
How PenCom decides your retirement lump sum: the 50%-of-annual-pay test, the programmed withdrawal template, and a worked example in naira.
How the 40% contingent portion of a micro pension works: when you can first withdraw, how often, how fast PFAs must pay and what it costs you later.
Who can join PenCom's Micro Pension Plan, how to enrol with a PFA, how contributions work with no minimum, and what you get at 50.
How RSA fund categories work, why you might move, how to ask your PFA, which rules limit the move and what to check before you sign the form.
The 2.5% NHF deduction, who must pay since the 2023 amendment, the FMBN loans it gives access to, and how the refund at 60 works.
Choosing a licensed PFA, the documents PenCom lists, how your PIN is issued, and what happens if you do not open an RSA within six months.
How your 8% pension contribution reduces taxable pay under the Nigeria Tax Act 2025, what else is deductible, and how it shows on your payslip.
What a first-jobber or newly finished corps member should set up: one RSA, your PIN with HR, the right pension base, and a monthly remittance check.
What section 173(3) of the Constitution says about pension reviews, who it covers, how PenCom applies it, and what it means for RSA retirees.
What Nigeria's Pension Protection Fund is, how it is funded, what the minimum guaranteed pension is for, and how a retiree finds out if they qualify.
If you work for two employers at once, you keep one RSA and both remit to it on the pay each one gives you. How it works and what to check.
The fee your PFA, custodian and PenCom take from each RSA fund, the July 2025 rates, a naira worked example and what to query.
How each RSA retirement option pays you, what your family inherits, whether you can change your mind, and a naira example to compare.
Who PTAD pays, how verification works now that walk-in sessions are suspended, and how to lodge a complaint without paying a middleman.
The public service 60/35 rule, the teachers' 65/40 rule, what private employers do, and when your RSA becomes payable, with dated examples.
Where your RSA PIN is printed, how to get it from your PFA or employer, what to do if you do not know your PFA, and USSD claims to treat with care.
Who qualifies to use a quarter of an RSA as mortgage equity, the 60-month and 3-year rules, how any shortfall works, and the steps with your PFA.
Who must recapture RSA data, the documents and NIN needed, why proxies are not allowed, and what you cannot do until it is done.
The two payments due when an RSA holder dies, who receives each, the probate or letters of administration rule, and a document checklist.
Which RSA fund you are in by default, who may choose Fund I, where retirees sit, the newer Fund V and Fund VII, and what each costs.
Your RSA stays yours when you relocate: when you can withdraw, the lump sum rule after leaving a job, and how to keep contributing from abroad.
At 45 you still have years of contributions ahead. Check remittances, add voluntary contributions, review your fund and build savings outside the RSA.
Move your RSA to another PFA once every 365 days: who qualifies, what the receiving PFA needs, the quarterly processing cycle and why requests fail.
Change the next of kin on your RSA through your PFA: what to bring, why data recapture comes first, and what a next of kin can and cannot claim.
How voluntary RSA contributions are set up, the one-third of pay limit, the five-year tax rule on income withdrawn early, and contingent VC for housing.
The asset classes RSA money goes into, why limits differ by fund, who holds the assets, and how to see what your own fund owns and earns.
You can add the other type later — many of our customers hold both.
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