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MoneyAgentsApproval

Money that does the work. You just approve.

One account. Every currency.

One account for every currency you live and trade in, on our own licensed bank. For people, Eva: an assistant that saves, pays and follows up. For businesses, four AI agents that run the operations. Nothing moves without your say-so.

One multicurrency account. Hold, receive, convert and pay out in 30 currencies, with dollar, pound and euro balances beside a Naira account on our own licensed bank. Eva runs the account and asks before anything moves.

Open Personal or Business Account Already with us? Log in
Open a multicurrency account Build on Pryme Rails Join the waitlist

🇬🇧 Pryme Financial Ltd is registered in England and Wales but is not authorised by the Financial Conduct Authority. Accounts are provided in Nigeria. Nothing on this page is an offer of regulated financial services in the UK. 🇺🇸 Pryme is not yet available in the US. Our application is in progress, and nothing on this page is an offer of services in the US. 🇨🇦 Pryme is not yet available in Canada. Our application is in progress, and nothing on this page is an offer of services in Canada. 🌍 Accounts are provided in Nigeria today, subject to verification and approval. Foreign-currency balances are held and converted inside the account. More markets open as each licence lands.

Pryme app home: every currency on one balance
Salary landed₦920,000 from Acme Ltd · Naira account
Done
Move ₦100,000 to your Rent Box?Keeps ₦127.9m liquid · earns 12% p.a.
Approve
Paid Ikeja Electric₦18,400 · token sent by SMS
Done
Swap $200 → ₦319,200?Rate locked at ₦1,596 for 30 s
Approve
Held a ₦150,000 transferNew payee · unusual hour · needs you
Review
Received $2,400From Upwork · USD account
Done
Swap $200 → £158.40?Rate locked for 30 s
Approve
Paid the light bill at home₦18,400 · Ikeja Electric
Done
Keep $1,000 liquid, save the rest?$1,400 → Flexible Box
Approve
Held a £2,000 transferNew payee · needs you
Review
Eva is live
500,000+customers, personal and businessScan to get the app
Get the appScan with your phone camera
Regulated partnersEvery currency held with a licensed institution in its market
Solid AllianzeCBNNDIC
Scan to get the app
Get the appScan with your phone camera
Instant settlementOur own core ledger: swaps land at once, every receipt verifiableScan to get the app
Get the appScan with your phone camera
Agents with a mandatePowered by Pryme Intelligence. Nothing moves without youFlip
Pryme Intelligence
Evayour assistant
DanielChief of Staff
BenCFO
BruceCare
Inside a mandate you write. Every action logged.
Multi-currency30 currencies on one balanceFlip
Locked rates30 s
🇺🇸 1 USD₦1,596
🇬🇧 1 GBP₦2,141
🇪🇺 1 EUR₦1,782
The rate you see is the rate you get.
10 years2016 to today, one trunkScan to get the app
Get the appScan with your phone camera
Pryme Personal

Money with a heartbeat.

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.

HomeEvery currency, every Box, every card on one screen. Eva flags what needs you.
Chat with EvaTell her the goal. She handles the steps and asks before anything moves.
Savings BoxesFlexible, Fixed, Investment, Interest-free. Interest on what you’ve saved, paid the way you choose.
New BoxName it and set the goal. Eva works out what to move, and when.
LoansSpaces credit and Salary Advance, pre-approved by Pryme Core. Draw only what you need.
Invite friendsThree friends, ₦50,000 each within 14 days, and ₦20,000 lands with you.
YouEva’s voice, your plan, home address, Agent Mail, and every security control.
Duress signalA word or PIN that looks normal on screen while the NPF and your people are alerted.
Every currency, one accountNaira, dollars, pounds, euros and cedis side by side. Each with its own account number.
A dollar account that receives worldwideGet paid in USD, hold it, or move it home when the rate is right.
Swap at a locked rateDollars in, Naira out, instantly. Eva locks the rate before you confirm.
Send home in secondsTo any Pryme username or Nigerian bank account. No fee to a Pryme account.
Save in Naira at 12% p.a.Flexible, Fixed, Investment or Interest-free Boxes. Interest on what you’ve saved.
Eva runs things at homeLight bill, DStv, school fees, a transfer to Mum. She does it, you approve.
Open a personal account How we keep your money safe
Pryme app: Home
Pryme app: Chat with Eva
Pryme app: Savings Boxes
Pryme app: New Box
Pryme app: Loans
Pryme app: Invite friends
Pryme app: You
Pryme app: Duress signal
Pryme app: Every currency, one account
Pryme app: A dollar account that receives worldwide
Pryme app: Swap at a locked rate
Pryme app: Send home in seconds
Pryme app: Save in Naira at 12% p.a.
Pryme app: Eva runs things at home
The Pryme Business dashboard: NGN, USD and GBP balances on one account, the money actions, four agents working and a live event stream
Live · Pryme Business · demonstration data

More business means more work. It doesn’t mean more hours in your day.

CS Chief of Staff

Someone has to decide what genuinely needs you — and clear everything that doesn’t.

CF CFO

Someone has to hold the position in every currency at once, and see the squeeze coming.

CC Customer Care

Someone has to answer a customer in Accra at two in the morning, in your voice.

SM Sales Manager

Someone has to keep the pipeline warm across time zones you are asleep in.

You could hire a team in every market. Or put four agents on the account.

Scroll

Welcome to PrymeBusiness

A business Account with AI-Agents running your Operations from Finance, Sales, Customer Care and More.

Building a product that moves money? Pryme Rails gives your platform multicurrency and Naira accounts, swaps and Pryme Pay over one API. See Pryme Rails

The Pryme Business overview: three live currency balances on one account, the money actions, four agents working and a live event stream
Overview
Swap money converting NGN 2,000,000 into US Dollars at an indicative rate held for thirty seconds
Swap money
The Money page on the Invoices tab: owed to you, overdue, days to get paid, an ageing chart and the invoice ledger
Money → Invoices
The balance sheet: cash, trade receivables, withholding tax credits, payables and equity, prepared under IFRS
Money → Financials
The Agents page: a Chief of Staff coordinating a CFO, a Customer Care Agent and a Sales Manager, each with readiness and volume
Agents
The Human review queue: items an agent stopped and sent to a person, with the reason and the approval chain
Human review
Overview

One account, Multi-currencies, four agents

Every currency on one balanceOpen a currency and it is live in about a minute. The total converts at today’s indicative rate; each balance keeps its own account number.
You can see what the agents didAgent telemetry shows the last hour, agent by agent. The stream underneath names the action, the amount and whether it is done or waiting on you.
Nothing moves without a signature you setPayments above your limit stop and wait, and the account says so rather than sending them.
Swap

Move value between the currencies you hold

The rate is a consequence, not a footnoteType an amount and the other side converts as you type. The rate sits between the two balances where you can read it.
Indicative until you confirm, then heldOnce you confirm, the rate is held for thirty seconds. The rate on the confirmation is the rate you get.
Both balances update at onceNo settlement window, no pending state, no second account to check.
Invoices

Ask to be paid, and watch it age

Each invoice has its own account numberYour customer pays into a number unique to that invoice. Nothing to quote, nothing to reconcile by hand.
The CFO agent chases itDay 3, day 14, day 30, then a person at 45 days late. You see how old the debt is and how long you wait to get paid.
Draft, sent, viewed, part paid, overdue, paidEvery invoice sits in one of six states, and the ledger tells you how many are in each.
Financials

Statements, not an export you have to build

A balance sheet that ties to the invoicesReceivables, VAT payable and withholding tax credits are footed from the invoice ledger. Click any of the three to see the invoices behind it.
Cash or accrual, on a switchOn the accrual basis revenue is recognised when you invoice. On cash it is recognised when the money lands. Same ledger, both readings.
Income statement, cash flow, trial balance, taxPrepared under the framework in your tax profile. Your accountant signs the filing, not the agent.
Agents

Four agents, one written policy

The Chief of Staff coordinates the restIt decides what genuinely needs you and clears everything that does not. The other three report through it.
Each one is measured, not assertedReadiness, volume, accuracy and escalation rate for every agent, with fourteen days of history and a mandate you can change.
One mailbox, signed by the agent that wrote itReplies come back into the workspace. Use your own address instead if you would rather.
Human review

The queue is the point, not an exception

An agent that stops is working correctlyAnything above a limit, anything new, anything that does not match — it stops and says why rather than guessing.
The chain is the one you setWho signs at what value is your rule, written once. Nothing inherits its own permissions.
Every decision lands in the audit logAgainst the person or the agent that took it, with what the record said before and after.

Built on our own rails

The licence, the ledger and the intelligence layer are operated as one system, under one set of controls. Deposits sit with regulated institutions, every currency settles on a single core, and every agent acts within a written mandate with a full audit trail. The same infrastructure is available to partners through Pryme Rails, so a Naira account can be live inside another product in days.

  1. 01LicenceSolid Allianze Microfinance Bank. Regulated by the Central Bank of Nigeria, deposits insured by the NDIC.
  2. 02LedgerPryme Core. Every currency on one ledger, no reconciliation night, receipts you can verify.
  3. 03Governed agentsPowered by Pryme Intelligence. One for people, four for business, each inside a mandate you write, every action logged.
  4. 04RailsPryme Rails. Dedicated Naira accounts and Pryme Pay over one API, for registered businesses building on us.
Build on Pryme Rails

Ten years, one trunk

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.

2016E-commerce

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.

2018OjirehPrime Card

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.

2020Microfinance bank

Solid Allianze acquired — an existing bank with an existing licence. The perimeter stopped being someone else’s to draw.

2023Multicurrency

More than one currency on one balance, and the rebrand to Pryme. A Nigerian business could hold dollars without holding a second institution.

2026Agentic operations

Accounts that do the work rather than only hold value. Four agents on the account, inside a policy you write — which is where the new mark starts.

Investors

Own a piece of the trunk.

Ten years, one licence, one ledger, one agent layer, and a customer base that has grown through every version of the business. Nigeria first, with the United Kingdom, United States and Canada applications in progress.

Read the ten-year story
  • Regulated depositsNaira held at our own CBN-licensed bank, not a partner’s.
  • Owned infrastructureCore banking and the agent platform are ours to price and to license.
  • Three revenue linesBanking, Pryme+ and Pro subscriptions, and Rails for partners.
  • Compounding distributionEvery customer invites, every business brings its customers, every partner brings its users.

Ready when you are.

Pick the door that fits.

For youOpen a personal account and meet EvaUnder 2 minutes For your businessPut four agents on the accountRegistered businesses For youOpen a multicurrency account and meet Eva30 currencies, one balance For your businessPut four agents on a multicurrency accountRegistered businesses Local waitlistTell us when Pryme opens near meLicence applications in progress For buildersNaira accounts and Pryme Pay over one APIPryme Rails Already with usLog inPersonal or business

The Ledger

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

The first articles are on their way.

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Home · Legal

Terms and Conditions

These terms govern your use of the Pryme website and, together with your account terms, the products you hold with us. They are written to be read, not to be survived.

Last updated 22 August 2026 · Pryme Financial Ltd

The short version

  • Pryme Financial Ltd operates this website. Accounts are provided in Nigeria; Naira deposits are held by Solid Allianze Microfinance Bank Ltd.
  • Pryme Financial Ltd is not authorised by the Financial Conduct Authority and does not offer regulated financial services in the United Kingdom.
  • Savings Boxes, credit, loans, overdrafts and bill payments are Naira products. Foreign currency is for holding, receiving, converting and paying out.
  • AI agents act only inside the mandate and approval limits you configure. You remain responsible for your account.
  • If something goes wrong, tell us. Our complaints procedure sets out what happens next and how long it takes.

This summary is here to help you read the rest. It is not a substitute for it.

1Who we are and how to contact us

This website is operated by Pryme Financial Ltd, registered in England and Wales, Company No. 14439958, registered office Griffin Place, High Street, Newport, Wales, NP20 1FX, and registered in Nigeria with the Corporate Affairs Commission, RC 1552757, at No. 12 Montgomery Road, Yaba, Lagos State.

You can reach us through in-app chat, or by email at support@mypryme.com. Where these terms require notice in writing, email to that address is sufficient.

2What these terms cover

These terms cover your use of this website and set the framework for the products described on it. They do not replace the product terms you accept when you open an account, take credit, or enable an agent mandate. Where a product term conflicts with these terms, the product term applies to that product.

By using this website you accept these terms. If you do not accept them, please stop using the site.

3Eligibility

You must be at least 18 years old to open an account. Accounts are currently provided in Nigeria and are subject to verification and approval.

United Kingdom: Pryme Financial Ltd is not currently authorised by the Financial Conduct Authority. Nothing on this website is an offer of regulated financial services in the United Kingdom.

Canada and the United States: not available. Applications are in progress and nothing here is an offer of services in either market.

4Opening an account and verification

We are required to verify your identity before opening an account and, in some cases, before increasing your limits. Verification may include your BVN or NIN, a liveness check, an identity document, proof of address and, for businesses, CAC registration and identification of directors and beneficial owners.

We screen against sanctions and politically exposed person lists. We may decline an application, and we may decline without giving reasons where the law prevents us from doing so.

  • Tier 1 gives you a Naira account.
  • Tier 2 adds foreign currency balances, cross-border payouts and higher limits.
  • We may ask for further information at any time to meet our legal obligations.

5Your account and balances

Your account may hold balances in more than one currency. Money you receive stays in the currency in which it was sent until you convert it. Foreign currency balances do not earn interest unless a product term says otherwise.

Naira accounts and deposits are provided and held by Solid Allianze Microfinance Bank Ltd, licensed and regulated by the Central Bank of Nigeria, and are insured by the Nigeria Deposit Insurance Corporation up to the applicable limit per depositor, per institution. Pryme is not a bank and does not itself hold deposits.

6Nigerian products

Savings Boxes, credit facilities, loans, overdrafts, credit cards and bill payments are Nigerian products denominated in Naira only. Rates, minimum durations, tenors and other terms are published on the relevant product page and in the Fees and charges schedule, and are served live; the figure shown at the moment you commit is the one that applies to your transaction.

Credit is subject to status, affordability assessment and approval. Your assets may be at risk if you do not keep up repayments.

7Payments, transfers and conversions

Before you confirm a transfer or a conversion we show you the amount, the applicable fee and, for conversions, the rate. A conversion quote is held for a stated period; once it lapses you are shown a new quote and asked again.

Instructions are generally irrevocable once submitted. We will make reasonable efforts to help recall a payment sent in error, but we cannot guarantee recovery.

We may delay or refuse a payment where we are required to do so by law, where we suspect fraud, or where it would breach sanctions.

8Cards

Cards draw from the balance matching the transaction currency where one is available. If the matching balance is insufficient, we tell you before converting.

You are responsible for keeping card details secure and for freezing or reporting a card you believe is compromised. Card controls, limits and merchant rules you set apply to that card only.

9AI agents and mandates

Agent services are provided by Pryme Intelligence. Agents act only within the mandate and approval limits configured on your account. Anything above those limits is prepared and escalated to a named approver; it does not proceed without human approval.

Agent output is decision support. It is not financial, tax, investment or legal advice. You remain responsible for decisions taken on your account, including where an agent proposed them.

Every agent action is written to the audit trail against your account. You may narrow, widen or revoke a mandate at any time; changes take effect from the moment they are saved and do not reverse actions already completed.

10Fees and charges

Fees are set out in the Fees and charges schedule and are shown before you confirm a transaction. We may change fees; where we do, we will give you notice in line with applicable regulation before the change takes effect.

11Your responsibilities

We will never call, email or message you to ask for your password, your full card number or a one-time code. Anyone who does is not us.

  • Keep your credentials, devices and authenticator secure, and never share a one-time code.
  • Tell us promptly if you suspect unauthorised access or a transaction you did not authorise.
  • Keep your contact details and your verification documents current.
  • Give us accurate information. Providing false information may be a criminal offence and will result in closure.

12Acceptable use

You may not use a Pryme account or this website for anything unlawful, including money laundering, terrorist financing, fraud, sanctions evasion, or trading in goods and services prohibited by applicable law or by our published restricted-activities list.

You may not attempt to interfere with the site, probe it for vulnerabilities without written authorisation, scrape it at scale, or reverse engineer any part of the service.

13Suspension, freezing and closure

We may suspend or restrict access to an account, freeze a balance or close an account where we are required to by law or regulation, where we reasonably suspect fraud or unlawful activity, where verification cannot be completed, or where you have materially breached these terms.

Where we can lawfully tell you, we will explain what has happened and what you can do. Where the law prevents us from giving reasons, we will say that we cannot, without further detail.

You may close your account at any time, subject to settling anything you owe and to any minimum term attached to a product you hold.

14Liability

Nothing in these terms excludes or limits liability for fraud, for death or personal injury caused by negligence, or for anything else that cannot lawfully be excluded.

Subject to that, we are not liable for losses that were not reasonably foreseeable, for loss of profit, business or opportunity, or for losses caused by events outside our reasonable control, including failures of payment infrastructure operated by third parties.

This website is provided for information. Illustrative figures, sample balances and example agent activity shown on it are demonstrations and are not statements about any real account.

15Complaints

Tell us through in-app chat or at support@mypryme.com. We will acknowledge your complaint, give you a reference, and set out how long we expect to take. If we cannot resolve it, our complaints procedure explains the route beyond us, including escalation to the relevant regulator.

16Changes to these terms

We may change these terms. Where a change is material and affects a product you hold, we will give you notice in line with applicable regulation before it takes effect. Continuing to use the service after the effective date means you accept the change.

17Intellectual property

The Pryme name, logo, site design, copy and software are owned by Pryme Financial Ltd or its licensors. You may view and print pages for your own use. You may not reproduce, adapt or exploit them commercially without our written permission.

18Third-party providers

Some parts of the service are provided by partners under contract with us: Solid Allianze Microfinance Bank Ltd (Naira accounts and deposits), Pryme Intelligence (agent services and Eva), VerifyDoc Ltd (document verification and authenticity), and VerifiedLead.ai (lead generation and follow-up). Their role does not reduce our responsibility to you under these terms.

19Governing law

Products provided in Nigeria, and disputes arising from them, are governed by the laws of the Federal Republic of Nigeria and subject to the jurisdiction of the Nigerian courts.

Your use of this website is governed by the laws of England and Wales, and the courts of England and Wales have non-exclusive jurisdiction, without affecting any right you have to bring proceedings in your country of residence.

Questions about anything on this page: support@mypryme.com, or ask Eva in the app.