Activities auxiliary to financial service and insurance activities

Payday Envelope is a South African fintech solution developed by Carpe Diem Group (Pty) Ltd that provides Earned Wage Access (EWA) — an innovative financial wellness tool that allows employees to access a portion of their already-earned wages before payday. The platform is designed to reduce financial stress, prevent debt reliance, and improve workplace productivity, especially in sectors with hourly, shift-based, or lower-income workforces such as security, retail, hospitality, cleaning services, and logistics.

The solution integrates seamlessly with employer payroll and time-and-attendance

Kasi Money is a digital banking platform built for the 8.2 million+ South Africans who earn irregular or cash income, including gig workers, freelancers, and informal traders. These workers are underserved not because they lack income, but because their earnings are volatile, fragmented across sources, and often still in cash.

We provide:

• Five-minute account opening with a South African ID, passport, or asylum document
• Cash deposits at more than 400,000 spaza shops and retailers
• A Mastercard Debit Card with full payment functionality 

Access to cash advances, investments, and insurance that flex

We offer a comprehensive range of professional services tailored to meet the diverse needs of businesses and organizations, including:

• Statutory External Audits and Reviews
• Internal Audits
• Forensic Investigations & Risk Management
• Implementation of IFRS, IFRS for SMMEs, GRAP, and IFMS

Financial Accounting Services

• Basic Bookkeeping
• Microsoft Office Suite
• Sage Pastel Accounting
• Sage HR and Payroll
• Draftworx and CaseWare
• Monthly Management Accounts
• Annual Financial Statements

Management Accounting Services

• Cash Flow Projections
• Financial Planning and Budgeting
• Business Plan Development
• Costing, Control, and

We are a close-ended investment company primarily focused on investments in JSE-listed companies. With a transparent net asset value (NAV) of R56 million, our portfolio reflects a strong South African equity market presence. Additionally, we have allocated a dedicated budget for investments in unlisted companies, strategically expanding our reach to provide further growth opportunities.

Kojwana Ideation Holdings (PTY) Ltd is a 100% black-owned, BEE Level One intellectual property (IP) licensing and holding company dedicated to developing disruptive solutions for the financial services. The company focuses on leveraging innovation to address market inefficiencies, foster economic transformation, and promote financial inclusion. Kojwana’s flagship product aims on mitigating credit risk for financial institutions while generating significant revenue potential.

With a proven track record in creating scalable, market-ready solutions, Kojwana endeavors to operates on a collaborative

### Company Overview: Ngakhae (Pty) Ltd

Ngakhae (Pty) Ltd is a professional services company based in South Africa, proudly exceeding client expectations for over five years. As a Level 1 B-BBEE contributor, we are 100% comprised of black women employees, reflecting our commitment to empowerment and diversity.

We specialize in providing high-quality audit, tax, and advisory services to a diverse clientele across South Africa. Our approach leverages the latest innovations to deliver valuable insights into financial information and tax obligations, equipping our clients with the support and

KDI is a retail consulting firm that works with emerging entities across South Africa, with a primary focus on empowering township entrepreneurs. Our mission is to bridge the gap between township businesses and the corporate world by offering tailored guidance and resources to meet the unique needs of each entrepreneur.

We believe that, with the right knowledge and support, township entrepreneurs can thrive in the corporate sector. Our goal is to empower them to recognize their value and take confident steps toward success.

Ewalletly is a trailblazer in Nigeria's fintech sector, committed to revolutionizing the financial landscape by addressing the dynamic needs of individuals and businesses. In a digital age marked by outdated banking systems, manual payment processing, and fragmented e-commerce platforms, Ewalletly stands out as an innovative leader.

We provide a comprehensive suite of financial solutions, specifically tailored to the unique demands of the Nigerian market, aiming to streamline financial operations, enhance efficiency, and foster digital inclusion for all users.

Seemo Consulting (Pty) Ltd is a company that provides consulting services in various fields. They have a team of experienced professionals who offer expertise in areas such as General business services, IT solutions and financial management. Seemo Consulting has a reputation for delivering high-quality solutions to its clients and has a strong track record of success. They are committed to providing personalized service to each of their clients and tailoring their solutions to meet their unique needs.