CardinalStone Capital Advisers

With a team of over 170 professionals and clients in seven countries, Appzone is Africa’s leading FinTech disruptor and provider of home-grown software solutions for the continent’s Financial Services industry. Founded in 2008, we process over $2 billion in transactions annually serving 18 commercial banks and over 450 microfinance institutions across the continent. Our platforms issue 1.5 million cards and disburse over $300 million in loans monthly, while also managing $200 million in deposits, 10 million accounts and 100,000 transactions daily. We are audacious builders with a mission to completely automate financial services in Africa. Our offerings automate Banking operations, interconnect financial institutions, and provide end-users with access to a broad range of banking and payment services. We are working with the most talented individuals on the continent to create the de facto operating system for digital financial services in Africa. AppZone started off primarily developing custom software for leading commercial Banks in Nigeria. More than a decade later, we have accumulated a remarkable asset-base of intellectual property and built out significant Fintech infrastructure. We are licensed by the Central Bank of Nigeria as a Payment Solution Service Provider (PSSP) and have built the first and only EMV compliant card management system in sub-Saharan Africa, while also launching the continent’s first self-service platform for instant debit card issuance. Appzone’s other feats include building and launching a number of global firsts from Africa such as: Cloud-based core banking and digital channel software Global mandate platform for direct debit Decentralised Interbank transaction processing on blockchain We are regarded as Africa’s number 1 FinTech infrastructure provider and have won several awards including: PCI DSS, CEBIH Award, MWOT Innovators Award, Frost and Sullivan Award and the NAMB Award.

Crest Agro Products Limited is a producer of food-grade cassava starch, catering to industrial users in Nigeria and the West Africa sub-region. Founded in 2013 and based in Lokoja, Nigeria, the company operates a nucleus farm dedicated to cultivating cassava tubers and a processing plant for producing high-quality cassava starch. Crest Agro Products serves key sectors, including food processing, pharmaceuticals, and textiles, and aims to contribute to the transformation of agriculture in Nigeria through commercial farming and industrial processing. The company is establishing an integrated cassava farm and starch processing facility on 13,000 hectares of land in Kogi State.