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.
Follow The Ledger by RSSNew articles as they are published. There is no mailing list yet.
Before you accept a Loans on Spaces agreement, check the amount, the full cost, the repayment date and what happens if you are late. A simple checklist.
Your Loans on Spaces limit is an offer based on how your account is run and your credit history. What the lender looks at, and what you can influence.
Repay your Loan on Spaces by the date in your agreement. How repayment works, how to plan for it, and what to do if money is tight before the due date.
Who lends, where you can spend, what it costs, how to repay and what happens if you are late: plain answers to common Loans on Spaces questions.
Loans on Spaces costs are shown in naira in the app before you accept. How to read the figures, compare them with other credit and avoid surprises.
Pryme and Solid Allianze work with all licensed credit bureaus in Nigeria. How Loans on Spaces shows on your record, and how to check and correct it.
Loans on Spaces is lent by a CBN-licensed bank and accepted only in your own app. The scams that copy it, the warning signs and how to stay safe.
Credit cards and Loans on Spaces both let you buy now and pay later. How they differ in Nigeria on access, where you spend, cost and rolling debt.
An overdraft lets your account go below zero; Loans on Spaces is credit for purchases with Spaces merchants. How they differ on access, use, cost and risk.
Missed a Loans on Spaces payment? What it means for your record, what lenders may and may not do under CBN and FCCPC rules, and the steps to take now.
No Loans on Spaces limit in your app? The common reasons, from a short account history to existing debts, and practical steps that help over time.
Want to clear your Loan on Spaces before the due date? What Nigerian rules say about early repayment, what to check in your agreement, and when it pays.
Loans on Spaces is credit from Solid Allianze MFB that you spend only with merchants in Pryme's Spaces network. Here is how it works, step by step.
Loans on Spaces is lent by Solid Allianze MFB, a CBN-licensed microfinance bank. Pryme runs the app and the network. Who does what, and why it matters.
Loans on Spaces cannot be withdrawn as cash. Why the credit is tied to merchants in Spaces, what that means for you, and when a different option is better.
Fun matters, but leisure on credit can quietly become debt. How to set a fun budget, when a little credit is fine, and a test to use before you borrow.
A bag of rice or carton of oil is cheaper per unit, but borrowing to buy it has a cost too. How to tell whether bulk buying on credit leaves you ahead.
Fake and substandard medicines are a real risk in Nigeria. How to check a pharmacy is registered, read a medicine pack, and report a product you suspect.
Tickets, snacks, drinks and transport can make a cinema night cost far more than the ticket. How to plan it, cut the extras and use credit wisely.
Restaurant meals and takeaway on credit can be a sensible treat or a slow drain. A plain test for each, a monthly cap, and what to check before you borrow.
Taking the children to the cinema and a meal adds up fast. A planning method, a worked example and ways to keep a family day out affordable.
Festive seasons bring big food and gift bills and a long January. How to plan the shopping, decide what to put on credit and repay without strain.
A step-by-step way to plan the monthly shop, decide how much of it to put on Loans on Spaces, and repay on time so your limit and record stay healthy.
How Loans on Spaces works at eateries and restaurants in the Spaces network: who lends, what you see before you accept, how you pay and how to repay well.
The last week before salary is when lunch money runs short. Compare the options, from meal prep to salary advance to credit, and see what each one costs.
For high blood pressure, diabetes, asthma and other long-term conditions, medicine is a monthly bill. How to plan it, cut it and avoid borrowing for it.
Buying the month's groceries on credit can smooth a gap before payday or cost you more than it saves. Here is how to tell which, with a worked example.
Hosting a birthday dinner or covering a group bill can leave one person carrying the cost. How to plan it, split it fairly and use credit safely.
When a prescription costs more than you have on hand, credit can help you start treatment now. What to check first, how to cut the bill and how to repay.
A child's fever at night or a sudden infection: what to do, in the order that matters, when you need medicine urgently and cannot pay in full.
Beyond tuition, a new session brings uniforms, books, levies and supplies. A checklist, a worked budget and how Loans on Spaces fits at Spaces schools.
Make-up, gele, hair, nails and spa days for weddings and owambe add up fast. A clear way to plan the cost, and where Loans on Spaces fits.
If you work from a co-working space a few days a week, a day pass may beat a monthly plan, or not. A simple break-even method with naira examples.
Freelancers and remote workers can pay a serviced office or co-working space in Spaces on credit. How it works, what to check and when it pays off.
Barbing, braids, nails and skincare are regular costs. How to work out a monthly grooming figure, cut it without looking worse, and use credit carefully.
How to pay a hotel or shortlet in the Spaces network on credit, what the agreement shows, and the checks that protect you from booking problems.
Travelling for a wedding, burial or family emergency? How to pay an interstate bus or travel operator in Spaces on credit, and plan the full trip cost.
How to pay a salon, barber or spa in the Spaces network on credit, what you see before you accept, and how to keep beauty spending under control.
Should you borrow to pay fees upfront or use the school's instalment plan? How to compare the total cost, the risks and the fine print, with examples.
If your child's school is a Spaces merchant, you can pay fees on credit after accepting the agreement in the Pryme app. Steps, checks and examples.
Moving a team of three to ten into a serviced office? What is usually included, what to ask, how to budget the first months, and where credit fits.
A weekend at a hotel or shortlet close to home can cost more than expected. How to set a staycation budget, cut costs and decide whether credit fits.
A practical way to work out your monthly commute cost, protect it on payday, plan for fare rises, and know when short-term credit helps.
Yes, with Loans on Spaces you can pay transport operators in the Spaces network on credit. Here is how it works, what to check and when not to.
When you pay hotels and travel upfront and claim it back later, cash runs tight. How to plan, keep the right receipts, and when Loans on Spaces fits.
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.