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 BusinessPricing inventory cashflow · 45 articles
A week-by-week template for Nigerian small businesses: list receipts and payments, roll the balance forward and find your lowest week early.
The features a Nigerian small business needs: naira and VAT handling, e-invoicing readiness, bank imports, stock and the real annual cost.
What a balance sheet shows, how assets, liabilities and equity fit together, and a worked example for a Nigerian tailoring business.
Match your cash book to your bank statement each month, sort the unmatched items and agree both balances, with a worked naira example.
When you need GS1 Nigeria barcodes, when internal shop codes are enough, and the scanner, printer and software a small shop needs.
Split your costs into fixed and variable, apply the break-even formula, and see how many sales a Nigerian shop needs each month to cover costs.
How to set tiered prices and minimum order quantities so bulk buyers get a fair deal without eating your margin or undercutting your resellers.
A copyable annual budget layout for Nigerian small businesses: revenue lines, direct costs, overheads and equipment spending, with a bakery example.
A months-of-expenses method for sizing a business cash buffer in Nigeria, how to build it from weekly takings, and where to keep it.
How days of stock, days customers take to pay and days you take to pay suppliers decide how long your cash is tied up, with a trader example.
Cash accounting records money when it moves; accrual records income when earned. What each shows, and what Nigerian tax filing expects.
A copyable, numbered chart of accounts for Nigerian small businesses, with VAT and withholding tax lines, and why keeping it consistent helps at tax time.
Opening stock plus purchases minus closing stock: how to calculate cost of goods sold for a Nigerian shop, what to include, and common errors.
Build a price that covers ingredients, packaging, transport, power, labour, wastage and a share of overheads before you add profit, with a naira example.
How to record goods sold on credit so balances hold up: signed entries, phone confirmation, running balances and monthly customer statements.
Markdowns, bundles, supplier returns and write-offs for stock that has stopped moving, with a naira worked example and the IAS 2 accounting rule.
How straight-line depreciation works for a van or generator, and how it differs from capital allowances under the Nigeria Tax Act 2025.
A worked naira table showing how quickly discounts eat into margin, how to write a discount policy, and what the FCCPA says about 'was' prices.
First-in-first-out for food, drinks and medicines: how to label deliveries, shelve stock and run expiry checks so nothing goes off on your shelf.
The three statements, the management accounts and the ratios a Nigerian lender reads when you apply for a business loan, with a worked example.
Illustrative gross margin ranges for common Nigerian trades, why they vary so much, and a step-by-step way to measure your own true margin.
A month of figures for a Lagos-style provisions shop showing every line between gross profit and net profit, and how net profit can be negative.
Example fee ranges for bookkeeping, annual accounts, tax filing and audit, what drives the price, and when software is enough instead of a hire.
Build your own cost index, review prices on a shorter cycle and time stock purchases, with naira examples and the latest NBS inflation figures.
The features that matter in an inventory app for a Nigerian shop: offline use, barcodes, multi-branch, expiry tracking, costing, plus example price ranges.
How to value closing stock at the lower of cost and net realisable value, item by item, and why consistency matters for your profit and tax figures.
When selling one item below cost brings in profitable baskets for a supermarket or pharmacy, how to cap the loss, and the advertising rules to respect.
Markup is profit over cost, margin is profit over price. Why a 30% markup gives only a 23% margin, with formulas, a conversion table and naira examples.
The minimum monthly pack an owner should see by the 10th: profit and loss, balance sheet, cash, debtors, stock and a few KPIs, with a timetable.
Why a business can double its sales and still run out of money, the warning signs of overtrading, and how to work out the funding gap in naira.
Business name, partnership or limited company: how Nigerian owners should pay themselves, and how drawings, salary and dividends are taxed.
How petty cash and staff expense cards compare for Nigerian businesses: controls, a worked imprest example and a monthly reconciliation routine.
What Nigerian price law requires, how much notice to give each type of customer, and a price increase notice you can copy and adapt today.
Why Nigerian traders should price from replacement cost, not what they paid, with worked naira examples and a schedule for reviewing prices.
Every line of a profit and loss statement explained with a Nigerian provisions shop example, plus what the P&L does not tell you about cash.
Why there is no single right margin in Nigeria, how volume changes the target, and how to calculate the minimum margin your business needs.
What Nigerian tax law asks for as evidence of business expenses, which documents count, how long to keep them and a simple filing system.
How to set a reorder level and safety stock for a Nigerian shop, worked through for a Lagos retailer buying from a supplier in Onitsha.
How a seasonal Nigerian business can map its year, size a cash reserve from peak months and cover fixed costs and remittances in slow months.
A step-by-step monthly stock count for a Nigerian shop: count sheets, cut-off, two-person counting, variance checks and valuing stock at cost.
Where stock goes missing in Nigerian shops, from theft to expiry and recording errors, how to measure shrinkage and the controls that fit each cause.
How a Nigerian shop can plan December stock line by line from last year's sales, check the order against cash, and stage purchases safely.
How to work out contribution per sale for a Nigerian small business, with worked examples for a bakery and a delivery business, and the costs people miss.
How to calculate working capital and the cash a Nigerian SME needs to run day to day, and how to close the gap before reaching for costly credit.
When a customer debt counts as bad, how to write it off in the books, the Nigeria Tax Act 2025 deduction rule and the records to keep for an audit.
You can add the other type later — many of our customers hold both.
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