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.
How to reach 9Credit, dispute a repayment debit, complain with evidence and escalate to the FCCPC if the lender does not resolve it.
How Access Bank collects a PayDay Loan, how to repay early, what happens after a missed repayment, and who to call or email.
The support addresses Aella publishes, how to dispute a repayment debit, and when and how to take a complaint to the FCCPC.
9Credit is an Android loan app listed under Otp Internet Technology. The sign-up steps, what it asks for, how disbursement works and what to check first.
Access Bank lists the checks that reduce or block a PayDay Loan: other loans, an unlinked phone number, no salary last month. What each means and the fix.
Why the Carbon app may say you are not eligible for a loan, how long to wait before trying again, and the changes that make a later offer more likely.
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 AB Microfinance Bank loans work, the usual types of microfinance loan, what lenders ask for, and how to verify its licence yourself.
Both sit under Access Bank's PayDay scheme, but one is repaid at your next salary and the other over six months. Here is how they differ.
Access Bank's PayDay Loan is open to many salary earners outside Access. What the bank's FAQ says on eligibility, limits, cost and recovery.
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.
You missed one instalment and the lender now wants everything. What an acceleration clause is, when it applies, and the notice you should look for.
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.
For the same amount at the same monthly rate, a 90-day loan costs more in naira. Here is how to compare tenors properly before you pick one.
A balloon payment lowers your monthly instalment by leaving a lump sum to the end. See what it costs in total and how to plan for the final payment.
Borrowing pays only if the profit the money earns beats the full cost of the loan. Work out your break-even margin before you sign anything.
Most cooperative, ajo and esusu borrowing never reaches a Nigerian credit bureau. Here is why, what that means for your history, and what to do.
No record at the bureaus? The products that create reportable history in Nigeria, the order to use them in, and the habits that undo the work.
Nigerian credit bureaus hold loan and repayment data, not your account balance. Here is what they hold, what lenders see, and how to check.
What loan restructuring means in Nigeria, the documents a bank asks for, a naira example of the real cost, and how it shows on your credit file.
Who regulates each lender, who can debit your other accounts, how each reports to the bureaus, and how collection and court action differ.
There is no fixed waiting period. What decides it is how your record reads, whether it shows settled, and how long the bureaus keep history.
Why a Loans on Spaces offer can go down, rise or disappear, what it depends on, and what changing it does and does not do to money you already owe.
A Loans on Spaces offer is only an offer. Ignoring or declining it costs nothing, creates no debt and does not affect your account. Here is why.
A Loan on Spaces cannot be sent to another account, wallet or person. It is credit for paying Spaces merchants. What to do if you need a transfer.
Who lends ₦1 million to individuals and small businesses in Nigeria, the documents and tenor to expect, and a worked repayment example.
What banks, Bank of Industry and DBN partner banks ask for at ₦10 million: CAC papers, accounts, security, and how long the process takes.
Where to borrow ₦100,000 in Nigeria, what each lender type needs, worked repayments, and why app and bank pricing differ so widely.
Minimum age, the maximum age at the end of the loan, how retirement caps your tenure, and what pensioners and older borrowers can still do.
How Nigerian banks finance cars and equipment: the asset as security, the equity you put down, insurance, tenures and a worked cost example.
Every document a Nigerian bank asks for on a business loan, from CAC records to management accounts, collateral and guarantors, and how appraisal works.
AGSMEIS was a CBN intervention scheme. New lending under CBN schemes was suspended in December 2023. What that means for applicants and borrowers.
The CBN's flagship farm scheme lent through anchors and associations. An audit found ₦629.04bn unrecovered at end-2022. Where repayment stands.
How to approach the Bank of Agriculture for a farm loan, why groups and cooperatives matter, and what is known about its recapitalisation.
What Nigerian banks ask for before a mortgage: income and repayment ratio, equity, clean title, valuation, insurance, age limits and the appraisal steps.
Operating lease, finance lease or car loan: who owns the car, who pays for maintenance, how tax treatment differs and how total cost compares.
Lenders insist on comprehensive cover because the car is their security. What it costs, how lenders list it and how a claim is paid while you owe.
Your RSA cannot be pledged as loan collateral. The one exception lets workers use 25% of the balance towards a home deposit. Here is how it works.
Schemes for graduates starting a business after NYSC: BOI's graduate fund, NYIF, YouthCred and SAED, what each asked for and what to prepare.
NYSC allowance is income, but it is small and ends with the service year. Here is how banks, MFBs and apps treat corps members who want to borrow.
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.
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