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 LoansRates and costs · 64 articles
How 9Credit shows its interest, fees, limits and repayment dates, how to turn its figures into a total cost, and what late repayment can lead to.
How AB Microfinance Bank sets and states loan interest, fees, loan sizes and tenors for small businesses, with a worked example of total cost.
The PayDay Loan, explained from Access Bank's own FAQ. Up to 75% of salary capped at ₦500,000, upfront charges and a 30-day tenor.
How Accion Microfinance Bank prices its business and personal loans, how rates are stated, how loan sizes are set, and a worked example of total cost.
How Aella states monthly interest and tenors, how its limits grow from a first loan, the ₦2,000 to ₦1.5 million range listed, and a worked cost example.
How Baobab Microfinance Bank states interest and fees on its business, salary and digital loans, how amounts and tenors are set, with a worked example.
How Branch prices its loans in Nigeria, why the monthly rate and the APR look so different, and how to work out the real cost before you accept.
What moves a Branch loan limit up, what does not, and why waiting and repaying on time does more than asking or reapplying.
A side-by-side look at what has been published about Branch and PalmCredit pricing, amounts and terms, and how to compare the offers in your own apps.
Carbon's published personal loan terms: ₦10,000 to ₦1,000,000, 61 days to 12 months, 4.5% to 30% a month, and what that means in naira.
How to get a Credit Direct settlement balance, what its page says about pre-liquidation charges, and how to make sure salary deductions stop.
Credit Direct's published Federal Loan terms, why its page gives two different maximums, and a worked example of a flat monthly rate over 12 months.
How to read the cost of CredPal credit, why a revolving line is priced differently from a one-off loan, and how to check the total before you use it.
How a salary advance from Earnipay is priced, why your limit depends on the days you have worked, and how to work out what an advance really costs.
How to read the cost of an EaseMoni loan when the rate may be shown daily, for the term or monthly, with a worked example of each.
How to read the rate, fees, limit and tenor on an Ecobank Xpress Loan offer, with a worked example showing how an upfront fee changes the real cost.
What has been published about FairMoney loan pricing, why your offer may differ, and how to turn a monthly rate into the total you will repay.
What moves a FairMoney limit, what holds it back, and a plan for the next few loans that builds your record without overborrowing.
Carbon's published 2026 loan terms set beside the most recent reported FairMoney figures, with a method for comparing your own two offers in naira.
How to read a Fast Credit loan offer, the questions to ask about rate, fees and tenor, and a worked example of total repayment on a flat rate.
How FCMB Fast Cash is priced, what decides your limit and tenor, and a worked example of total repayment including fees, for FCMB account holders.
How Fidelity Bank prices its personal and salary loans, why we could not verify a published rate, and a worked example of total cost.
FirstAdvance pricing as listed publicly. How a flat monthly rate of 3% and fees add up, and what we could not confirm about FirstCredit.
How FundQuest prices its loans, what an upfront fee does to your real cost, and a worked naira example you can redo with your own offer.
QuickCredit pricing, from GTBank's own page. It states 2.95% a month, 1% insurance and up to 12 months; here is the cost in naira.
Jaiz Bank finances without interest. Here is how a Murabaha mark-up and an Ijara rental are priced, and how to work out the total you pay.
How Keystone Bank states pricing on its personal and salary loans, how to turn an annual rate into a monthly cost, and a worked naira example.
How KiaKia shows its loan charges in the app, why a 30-day fee is really an annual rate, and how to work out total cost before you accept.
How Kredi shows loan pricing, why a monthly reducing rate costs less than a flat one, and how much early repayment can save, in naira.
Kuda Overdraft pricing, from Kuda's own terms. The charge is 0.23% to 0.8% a day; here is what 7, 14 and 30 days cost in naira.
How LAPO Microfinance Bank prices its loans, what weekly repayment and compulsory savings do to the real cost, and a worked naira example.
How Lendigo prices business loans, why your monthly cash flow matters more than the rate, and a worked ₦2 million example in naira.
How Migo, formerly Kwikmoney, shows loan charges through partner banks and apps, how to annualise a short-loan fee, and a worked example.
How Moniepoint prices working capital loans for merchants, how daily deductions from sales change the real cost, and a naira example.
How Moniepoint prices personal and business loans as published, how weekly repayment from your account works, and a worked total-cost example.
What NewCredit loans cost, the amounts and tenors reported for the app, and a worked example showing total repayment in naira.
How merchant loans on Nomba are usually priced and sized, what is not published, and how to work out the full cost from your sales.
OKash loan amounts, tenors and interest as reported in 2024 and 2026, why the figures conflict, and a worked example of total cost.
A side-by-side look at reported OKash and EaseMoni loan amounts, tenors and rates, with a worked naira example and points to check.
How credit inside the OPay app is priced, who finances it, reported examples of total cost, and what to check before accepting an offer.
How Page Financials loans are priced and sized, what is not published, and a worked example to turn any offer into a naira total.
PalmCredit's reported APR range, loan amounts and tenors, how its limits grow, and worked examples of the total cost in naira.
What drives a PalmCredit limit up or down, the reported range from ₦10,000 to ₦800,000, and the habits that lead to larger offers.
PalmPay Flexi Cash daily interest as reported in 2025, tenors from 7 days to 4 months, service fees, and worked examples of total cost.
How Polaris Bank prices salary advances and personal loans, what the bank states and what it does not, and a worked total-cost example.
QuickCheck's reported loan range, tenors and interest, why first loans cost more, and a worked example of the total repayable in naira.
GTBank, Access Bank and UBA digital loans side by side: published rates, fees, limits, tenors and USSD codes, with the cost of a ₦100,000 loan.
How early liquidation of a Renmoney loan works, how to ask for a payoff figure, and a worked example of what paying early can save.
Renmoney's reported monthly interest, loan amounts up to ₦1 million, tenors and management fee, with a worked total-cost example.
Renmoney and Credit Direct compared for salary earners: reported rates, tenors, eligibility, repayment methods and what to confirm first.
How a salary advance like Salad Africa is usually priced and limited, what we could not confirm, and a worked example of the cost.
What Sterling Bank publishes for Specta Basic and Specta Xtreme: annual rates, typical loan sizes, tenors and a worked cost example.
Side-by-side of Specta and GTBank QuickCredit from each bank's own pages: rates, fees, limits, tenors, who qualifies and how to apply.
How to read the rate, fees, limit and tenor on a Stanbic IBTC EZ Cash offer, with a labelled example of total cost and what to confirm first.
How Sycamore presents loan pricing, how limits and tenors work, its FCCPC listing, and a labelled worked example of total cost in naira.
What published sources say about UBA Click Credit pricing, limits and tenor in 2026, where they disagree, and a worked cost example.
How Umba shows loan pricing, how limits usually grow, its FCCPC listing, and labelled examples of what a short loan costs in naira.
How a loan from Umba and an overdraft from Kuda differ in structure, pricing, regulation and repayment, with labelled cost examples.
How Union Bank prices salary advances and personal loans, what drives your limit, the Titan Trust merger, and a labelled cost example.
How Unity Bank (now part of ProvidusUnity) prices loans, what sets your limit and a labelled example comparing flat and reducing interest.
How ALAT by Wema shows loan rates, fees, limits and tenors, what we could and could not verify, and a labelled naira cost example.
How to read an XCredit loan offer, why we could not match it on the FCCPC list, and a labelled example of how short-loan costs build up.
How Zedvance prices salary-based loans, what sets your limit, how to check its licence, and a labelled flat versus reducing cost example.
How Zenith Bank prices its salary advance and personal loans, who qualifies, the Global Standing Instruction and a labelled cost example.
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