Financial service activities, except insurance and pension funding

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

Inhlalonhle Group is a 100% black-owned (Level 1 B-BBEE) digital solutions provider, launching in December 2025 to bridge the gap between enterprise-level digital transformation and individual empowerment. Our mission is to foster economic resilience and inclusion by de-risking and accelerating digital growth for South Africa's SMEs and individuals.

We operate a unique, integrated "one-stop-shop" model across four synergistic divisions:

• B2B Services: Expert consulting for SMEs in Digitilising Operations (DigOps), Risk & Cybersecurity, Digital Business Projects, and FinTech.
• B2C Services: A suite

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

MoveEasy is a unified fintech ecosystem committed to empowering informal traders, small businesses, and self-employed individuals by providing access to digital tools and formal financial and business management solutions. Through the strategic use of technology in an impactful and user-friendly ecosystem, MoveEasy aims to drive meaningful upliftment and inclusion.

The ecosystem features two pioneering platforms:

• Sisonke Digital Hub – A robust network connecting and supporting traders across townships.
• EasyFuel – An innovative fuel purchasing platform designed to make fuel more affordable.

These

Winsome Africa is a purpose-driven, accounting consulting and business transformation firm, founded to serve as a catalyst for economic justice, business resilience, and enterprise excellence. Based in South Africa, our mission is to empower organisations to make sound, forward-looking financial decisions by simplifying complexity through innovation, automation, and strategic insight.

We specialise in automated financial reporting, accounting compliance, risk management, and business advisory. Our clients range from SMEs and non-profits to public entities and private corporations. Through

At SkyeLabs, we're not just building an EdTech solution; we're creating a category-defining integrated digital ecosystem that addresses a multi-billion-dollar problem in emerging markets: trapped mobile airtime value and fragmented school experiences. Our platform, SkyeFone, is the first platform to seamlessly integrate:

• A student's cloud phone.
• A multi-functional NFC student card for campus access, attendance, and cashless payments.
• A groundbreaking airtime-to-cash exchange feature – our core differentiator, converting prepaid airtime into usable digital wallet funds.

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

Leveraging Fintech, DW complements the traditional financial advice business model by introducing a new web and mobile-based channel to attract clients who were previously excluded from wealth management, as well as those clients who prefer alternatives to conventional services. High-net-worth individuals requiring complex financial planning can still choose human advisors for personalised service.

Our goal is to transform how traditional wealth is managed through an innovative technology platform that enables wealth creation while delivering substantial social, and financial returns.

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.