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 & investingTreasury bills bonds · 50 articles
How to choose between 91, 182 and 364-day Nigerian treasury bills: the yield curve, reinvestment risk, liquidity and when you need the money back.
FGN bond coupon interest remains exempt from tax in Nigeria, even after the 2025 withholding tax directive on short-term securities. What the sources say.
Nigerian treasury bill interest is no longer tax-free: an October 2025 directive applies withholding tax at 10%, while FGN bond interest stays exempt.
Buying FGN bonds after the auction: through a stockbroker on NGX or a dealer on FMDQ, how the price is quoted and why you pay accrued interest.
What Access Bank's own pages say about treasury bills, what they do not say, and the questions to ask about minimum, form, cut-off and charges.
FirstBank's T-bill page gives the auction minimum and tenors but no retail steps. What it confirms, what to ask, and how the route usually works.
GTBank Nigeria publishes no retail T-bill page we could find. How to subscribe through your account officer or GTConnect, what to ask and when.
Stanbic IBTC's T-bill FAQ covers the minimums, forms, fees and email route. What it says, what it leaves unclear, and a costed example.
UBA's own guide sets a ₦50,000 minimum and lists the letters, forms and custody authority it wants. Here is the route, step by step, with costs.
Zenith's FAQ explains T-bill tenors and pricing but not a retail minimum or form. The route through Zenith Direct or your branch, and what to ask.
Nigerians abroad can buy treasury bills through a Nigerian bank, dealer or app, using a BVN or NRBVN. How the money goes in and how it comes back.
Nigerian commercial paper explained: short-term company debt quoted on FMDQ, 15 to 270 days, sold at a discount, with a ₦100m minimum issue size.
Why commercial paper pays more than treasury bills: company credit risk against sovereign risk, ratings, guarantees and how to weigh the extra yield.
How to buy a Nigerian corporate bond and what to check first: the rating, the trustee, the coupon, security, tax and what happens if the issuer defaults.
When you need a CSCS account for Nigerian bonds: FGN Savings Bonds and NGX trades need one, while bank-held bonds may sit with a custodian instead.
The four risks of Nigerian Eurobonds for individual investors: price falls when yields rise, sovereign risk, thin trading and how the bond is held.
Where to find the DMO's FGN bond auction dates each month, how bids go in through banks and brokers, the minimum, and what happens after the auction.
FGN bond coupons are paid twice a year to the bank account on record. How the dates are set, how payment reaches you and what to do if one is late.
The DMO's minimum for FGN bonds at auction is ₦50 million, then multiples of ₦1,000. What that means in units and the lower-cost routes for smaller sums.
Where to find today's FGN bond yields: FMDQ market data, DMO auction results and your broker's quote, plus how to read a yield against the coupon.
Nigeria's sovereign green bonds: what the money funds, how Series III was sold, the ₦10 million minimum, coupons and how returns compare.
When the DMO opens each month's FGN Savings Bond offer, how long it stays open, where the new rates appear and how to subscribe.
Minimums, tenor, how the return is paid and how easily you can get out: the FGN Savings Bond and treasury bills compared for small savers.
How the FGN Sukuk's Ijarah lease structure pays a rental instead of interest, what the 2025 offer looked like and how individuals subscribe.
How often FGN Sukuk rentals are paid, how much each payment is, where it lands, how CSCS records your holding and what to know about tax.
How a Nigerian individual buys FGN Eurobonds through a bank or broker, the large minimum lot, funding in dollars, and the smaller routes.
What offered, subscribed, allotted and stop rate mean in a CBN treasury bill auction result, using the 7 October 2026 auction as an example.
A labelled ₦10 million example of income from treasury bills, what inflation does to it, how a rollover ladder works and the fees to count.
The CBN auction minimum, what banks and apps say they accept, and the smaller government alternatives, each with its source and date.
Why a Nigerian Eurobond usually needs about US$200,000 to buy directly, what that costs at today's prices, and the smaller dollar routes.
Where to find today's Nigerian Eurobond prices and yields, how the DMO's table is laid out, and how to read price, yield and coupon together.
What Nigeria's yield curve is, how to read it from treasury bill, bond and Eurobond figures, what a flat or inverted curve means for savers.
Who issues OMO bills and treasury bills, why OMO rates were higher in 2026, and how individuals can now buy OMO bills through their bank.
Buying T-bills at the CBN auction versus buying existing bills from a bank: price, timing, minimums and what each means for your rate.
Yes, through a stockbroker on the NGX retail bond market. What the process is, how the price is set, when interest stops and what it costs.
Yes, through the bank or dealer holding it. How to ask, how the sale price is worked out, a worked example and the costs involved.
How Nigerian state bonds are repaid through an ISPO, what a credit rating tells you, how to buy through a broker and what can go wrong.
FGN Savings Bonds are sold only through DMO-appointed distribution agents. Where to find the list and what to check before you pay a broker.
Why the true yield on a Nigerian treasury bill is higher than its discount rate, the formula that links them, and a worked naira example.
How an FGN Ijarah Sukuk differs from a conventional FGN bond: asset backing, rental instead of interest, how it is sold and the risks that remain.
Where the CBN publishes the treasury bill issue programme, how to read each line, and how to time your bank or broker order for the next auction.
You pay less than face value and get the full face value at maturity. Labelled naira examples show the maths, the true yield and the effect of fees.
Where the CBN publishes the latest 91, 182 and 364-day treasury bill stop rates, how to read them and how to turn a quoted rate into your real return.
What a rollover instruction does when your treasury bill matures, why the new rate can be lower or higher, and when the maturity money reaches you.
Field by field: tenor, amount or face value, competitive or non-competitive bid, rollover instruction and custody details on a Nigerian T-bill form.
How a Nigerian company subscribes to treasury bills, the documents and approvals banks usually want, and basic accounting for a discount instrument.
Bank minimums often start at ₦100,000. The app, savings bond and money market fund routes for smaller sums, and what each costs you in control.
Tenor, discount versus coupon, price risk and liquidity compared, with naira examples, so you can match each to when you will need your money.
The MPR, banking system liquidity, how much the government needs to borrow, inflation and the naira: how each pushes Nigerian T-bill rates, with 2026 data.
A bond's coupon is fixed, so when new bonds pay more, old ones must get cheaper to compete. Naira examples show how much prices move and why tenor matters.
You can add the other type later — many of our customers hold both.
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