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-tosSystem and rules · 62 articles
CAMF is charged per mille on customer-induced debits from current accounts, not savings accounts. How to work it out, what is exempt, what may change.
Since 1 March 2025, every withdrawal at another bank's ATM costs ₦100 per ₦20,000, plus up to ₦500 at off-site ATMs. How the CBN rule works.
Which bank charges can reduce a deceased person's balance before payout, what the CBN Guide caps or waives, and the probate costs paid outside the bank.
When a Nigerian bank must refund a charge above the CBN caps, how to prove it, how long to wait and how to escalate to the CBN.
How a bank draft differs from a personal cheque in law, cost and risk, when Nigerian institutions ask for one, and when a transfer is better.
Three days to acknowledge, two weeks before you escalate, 24 hours for failed transfers. The CBN timelines by complaint type, with sources.
The nine-digit structure of Nigerian sort codes under the CBN's NUBAN standard, how they differ from bank codes and NUBAN, and where to find yours.
Why a transfer costs ₦10.75, ₦26.88 or ₦53.75 under the CBN bands, how the ₦50 stamp duty adds on, and what the 2026 draft would change.
The CBN timelines for failed, wrong and unauthorised transfers and card transactions, who acts first, and when to escalate to the CBN.
What the Dishonoured Cheques (Offences) Act makes a crime, the two-year and ₦5,000 penalties, the three-month window, and the payee's options.
What a bank may charge to maintain a naira or dollar debit card under the CBN Guide, what banks publish, and what the 2026 draft would end.
What the CBN Guide says about charging for cash lodgements, where deposit limits come from instead, and how agent and wallet deposits differ.
The CBN's 2023 Customer Due Diligence Regulations ask banks to obtain customers' social media handles. What that means and the data protection question.
As at October 2026: ₦500,000 a week for individuals, ₦5 million for companies, 3% and 5% on the excess, ₦100,000 a day at ATMs. Exemptions explained.
Clear terms, notice before changes, freedom to close or switch, fair charges, answers on time and a route to the CBN. The rights, with their sources.
Your bank's terms, how fast you report and whether you were careless decide most cases. What CBN rules and the 2025 draft fraud guidelines say.
Tier 1 accounts need no ID document, but since 2024 they need a BVN or NIN. The ₦50,000 deposit and ₦300,000 balance caps, and how to upgrade.
Use the NDIC's insured-institutions lists and the CBN's licensed MFB list, not a logo. Cover levels by type and the steps for apps and wallets.
The channels Nigerian banks use for cheque book requests, what the CBN Guide allows banks to charge, counter cheques at ₦50 a leaf, and collection.
Why a cheque above ₦10 million will not clear, where the cap comes from, how T+1 clearing works and what to use for larger payments.
What the Bills of Exchange Act says about presenting a cheque in time, the three-month window that matters for dud cheques, and stale cheques.
How money from accounts dormant for ten years reaches the CBN's UBTF pool, the Asset Reclaim Form, documents banks ask for and the timelines.
What two parallel lines on a Nigerian cheque do, general and special crossings, "not negotiable", and when an open cheque is the riskier choice.
The stages between a death and a bank payout in Nigeria, which have fixed periods such as the 21-day publication, and what causes most delays.
Banks release a dead customer's money only to a legal representative. The documents, the court grant and the order to do things in, step by step.
The EMTL was replaced in January 2026 by a ₦50 stamp duty on transfers of ₦10,000 or more, now paid by the sender. What is exempt and how to check.
What you pay when a Nigerian card is used abroad or on a foreign website: the conversion, the bank's fee, ATM costs and the spending caps.
When a bank closes, NDIC pays most depositors through their BVN-linked account elsewhere. If it does not reach you, here is how to file a claim.
Complain to the bank first, wait two weeks, then email or write to the CBN with proof. What to include, a sample letter and what the CBN cannot handle.
The NDIC handles complaints about deposit insurance and payouts from closed banks. Service problems at an open bank go to the bank, then the CBN.
Spotted a charge you did not expect? How to check it against the CBN Guide to Charges, complain to your bank and escalate to the CBN.
NIBSS runs the switch your transfer passes through, but fraud reports from customers go to your bank's fraud desk first. The right route, step by step.
Lost a cheque or issued one by mistake? How to place a stop-payment instruction, how fast to act, what it costs and what it does not cancel.
Each field on a Nigerian cheque, how to cross it, and the small mistakes that get cheques returned unpaid or open to fraud.
An inactive account is a warning stage; a dormant one is restricted, and after 10 years the money moves to the CBN. The periods banks publish.
Instant transfers run 24/7, but NEFT, RTGS and cheques run on cut-offs and working days. What happens to a payment sent late or on a holiday.
Sending to the same bank is usually free and instant; sending to another bank uses NIP and a fee band. What each costs and when stamp duty applies.
What happens to a Nigerian joint account when one holder dies depends on the mandate and the bank's terms. How to find out and what to do.
The probate registry route to letters of administration when someone dies without a will: who applies, documents, sureties, publication and fees.
Money above the NDIC limit is not paid at once. It comes later, if at all, as liquidation dividends from the failed bank's assets. How that works.
The name that appears before you send is a NIBSS name enquiry on the account number. What it confirms, what it does not, and what a mismatch means.
Some fintech money is a bank deposit, some sits in a mobile money pool, and some is neither. How NDIC cover works for each, including PSBs.
All your accounts at one bank share one NDIC limit, but a properly mandated joint account is insured separately. How the per-depositor rule works.
For BVN-linked depositors, NDIC payouts have started within days of a closure. Others wait for verification. What the recent cases show.
The CBN licenses banks, handles consumer complaints and can revoke licences. The NDIC insures deposits and pays depositors. Who to turn to, and when.
NEFT is a batch system, so timing depends on windows and cut-offs. When a NEFT payment lands, when it waits for the next working day, and when to use it.
No. A next of kin is a contact, not an heir. Who actually gets a dead customer's money in Nigeria, and how to make sure your family can reach it.
The three-digit CBN codes for Nigeria's main banks, why fintechs have longer codes, and when you need a code at all for a transfer.
A direct debit mandate lets a lender or biller pull money from your account through NIBSS. How mandates and GSI work, and how to stop one.
e-BillsPay lets you pay registered billers by internet banking, branch or USSD. Channels, NIBSS fees and what to do if a payment fails.
When a bank transfer fails after debiting you, your bank must return it. What the CBN rules say, how long it takes and how to push a stuck reversal.
NQR lets you pay a shop by scanning a code with your bank app. How scanning, authorisation and settlement work, and who can accept it.
Both NQR and bank transfers settle quickly through NIBSS. How they differ for shops on fees, confirmation, reconciliation and fraud.
Your 10-digit Nigerian account number is a 9-digit serial plus a check digit calculated with the bank's code. How it works, with the CBN's examples.
From January 2026, individuals can withdraw ₦500,000 a week across all channels before a 3% excess fee. Counter limits, cheques and exemptions.
Which documents banks ask for, the steps at the branch or online, why the CBN says reactivation is free, and what happens after ten years.
The CBN lets banks recover only the cost of SMS alerts you trigger, and email alerts are free. What banks charge, and how to switch.
From January 2026 the sender pays ₦50 stamp duty on transfers of ₦10,000 or more. The threshold, the exemptions and a worked month.
Why a debited transfer sits pending, how long to wait, what the session ID is for, and how to escalate from your bank to the CBN.
Fintech wallets, microfinance banks, payment service banks and commercial banks all take transfers. Licences, limits, fees and NDIC cover differ.
The ₦6.98 USSD fee is a telecoms charge per session, now taken from airtime. What banks add, and what a USSD transfer really costs.
Report to your bank at once, then work through recipient consent, the CBN complaint route, the police and the courts. What each step can do.
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.