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 LoansRules and rights · 45 articles
No register entry, a fee before payout, access to your contacts, no written agreement: twelve concrete red flags and what to do if you spot them.
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Your husband or wife defaulted and the lender is calling you. When you are and are not liable, and what to say to a collector who will not stop.
The FCCPC's 2025 digital lending rules were suspended in April 2026 and resumed on 20 July 2026. The court case, the dates and what changes for you.
What CBN rules give you when you borrow from a bank: consent over your credit report, free reports, disputes, fair terms and a complaints route.
A lender may contact you and a guarantor who signed. Your family and phone contacts are not party to the loan. What the rules say and what to do.
A loan app posted your photo and called you a fraud. When that may be defamation, what the FCCPC says, and the steps to take to get it removed.
Students under 18 are turned away by loan apps and banks. Why lenders set adult age limits, what the law says about minors, and safer options.
A loan app messaged your manager. Whether a private debt affects your job, what your contract may say, and how to protect your position at work.
Pledging a car for a loan: how a Bill of Sale or chattel mortgage works, why lenders register it on the National Collateral Registry, and what to check.
A co-signer owes the debt from day one; a guarantor owes it only if the borrower fails. How each role works, and what your loan papers really say.
Complain to the bank in writing first, keep the reference, then escalate to the CBN's consumer protection team with a complete file. The steps.
A cross-default clause lets a lender treat a default on another debt as a default on its own loan. What it says, what it permits and how to limit it.
FCCPC rules, the NDPA and Google Play together bar loan apps from your contacts, photos and call logs. What they may collect, and how to check.
Default interest is an extra rate charged on overdue money. How the clause is built, how to calculate your exposure, and what FCCPC rules say.
A direct debit mandate lets a lender pull repayments from your account through NIBSS. Fixed, variable and BVN-wide mandates, and how to cancel.
Registration, fees, disclosure, data, complaints and penalties: the FCCPC's 2025 digital lending regulations, rule by rule, and their status in 2026.
A loan app run by a non-bank company needs FCCPC approval; a bank's app runs under its CBN licence. Who needs which, and how to check each yourself.
Google Play requires Nigerian loan apps to hold an FCCPC approval letter and bans contacts and photo access. What a store listing proves, and what not.
Once a loan is paid out, a guarantor usually cannot walk away without the lender's consent. When release is possible, and what to do if refused.
Dollar loans exist in Nigeria, mainly for borrowers with dollar income. What to check about the lender, the rules and the currency risk before you sign.
An ISPO tells your payroll or bank to pay a lender from your salary every month, and you cannot cancel it alone. How it works and where it stops.
Under the Land Use Act, mortgaging land needs the governor's consent. Legal vs equitable mortgages, why lenders insist on consent, and the costs to expect.
A proper letter of demand names the debt, the amount and its basis, a deadline and what happens next. How to check one, spot a fake and reply.
A lien freezes your deposit as security while you borrow against it. How it works, the gap between interest earned and charged, and getting it released.
Why a stamp duty line appears on your loan offer, which loan documents are stampable, who usually pays and how to check the charge is right.
Asked to pay an 'activation' fee before a loan is sent? How real lenders charge fees, why advance fees signal fraud and what to do.
Many Nigerian lenders hold a state money-lender licence, not a CBN one. What it covers, what it does not and how to verify it before borrowing.
How Murabaha cost-plus-profit financing works in Nigeria, how the mark-up is disclosed, how to compare it with an interest loan and who offers it.
What Nigeria's National Collateral Registry records, how a public search works by BVN, company or serial number, and what a registration means.
Lenders often ask for signed post-dated cheques. Why they do, what the Dishonoured Cheques Act means if one bounces, and how to protect yourself.
Can't get a loan statement from your lender? What the FCCPC's 2025 rules require of digital lenders, how to request one in writing and where to escalate.
Finished with a loan app? How the Nigeria Data Protection Act 2023 lets you ask for your data to be erased, what a lender may keep and how to complain.
Want to clear a loan before its end date? What your agreement and Nigerian rules say about early settlement, what charges are allowed and how to ask.
A bank asks you to domicile your salary before lending. What the letter commits you and your employer to, and how to get it released after repayment.
Pledged equipment, a vehicle or stock for a loan? What the 2017 Act lets a lender register, what priority means and what to check when you sign.
Your bank took money from your savings to cover a loan? How the banker's right of set-off works, what the clause in your agreement says and its limits.
Agreed to settle a loan for less, or paid it off? Why you need a written settlement letter before you pay, what it must say and how to update the bureaus.
Owed a small sum, or chased for one? How the Lagos small claims route works for loan debts, what to prepare and what to check first.
A lender says you owe money you never borrowed? The order to report in (lender, bank, bureaus, police, FCCPC, NDPC) and how to stop further loans.
A loan to a friend is still a debt the law recognises. How to gather proof, write a demand letter and use a small claims court in Nigeria.
Land, cars, deposits, shares and business assets: what Nigerian lenders take as security, how each is valued and the paperwork it needs.
Five checks in order: FCCPC register, CBN licence list, state money-lender licence, CAC record and a real address. Do them before you share any data.
A guarantee makes you answerable for someone else's whole debt. What the forms say, what lenders can do and the questions to ask before signing.
Under the FCCPC's 2025 digital lending rules, rates, repayment terms and fees must be shown in plain English before you commit. The full list.
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