


Your Ultimate Digital Hub for Global Convenience
Seamless Services, Simplified Living
Experience the convenience of AppleSeed, a unified platform that brings together a wide range of essential digital services in one place. Designed for global users, our ecosystem enables effortless financial transactions, on-demand services, and more—all at your fingertips.
Join us in redefining digital interaction, where managing payments, accessing services, and staying connected is easier than ever. With insights inspired by our experiences across Africa, AppleSeed empowers you to navigate a world of possibilities with ease.
Our Solutions
Designed for a Connected World
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Multi-Currency Payments
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Effortlessly transact across borders without the complexities of currency conversion. Our solution enables you to send, receive, and manage payments in multiple currencies with ease. Designed for global businesses and individuals, it ensures smooth international transactions with competitive exchange rates and instant processing.
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Remittances
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Our Remittances service offers a fast, secure, and cost-effective way to send money globally, operating only in countries where we have regulatory approvals. In regions where licensing is required, we are actively pursuing approvals to ensure full compliance before launching services. Whether for family support or business transactions, our commitment to regulatory standards guarantees safe and reliable money transfers with competitive rates.
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E-Commerce Marketplace
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Offer your products and services via our online marketplace using our advanced digital solutions, designed to seamlessly integrate with e-commerce platforms and social media. Our technology enables businesses to expand their reach, offering enhanced shopping experiences, streamlined customer interactions, and innovative tools to drive growth in the digital economy.
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Micro Loans & Investments
(Collections & Disbursements)
Empower your financial aspirations with our Micro Loans & Investments services. We specialise in the quick disbursement of microloans and efficient collection processes, making capital more accessible to entrepreneurs and small businesses. Our platform also offers various investment opportunities, allowing users to grow their wealth and achieve their financial goals.
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Value Added Services
(Mobile Top-Up, Gift Cards, Bill Payments, etc.)
Enhance your everyday transactions with our comprehensive suite of Value Added Services. From mobile top-ups and purchasing gift cards to paying bills, our platform simplifies these activities into convenient, quick, and secure transactions, all available at your fingertips.
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Core Banking System
(Accounts)
Our Core Banking System lies at the heart of our fintech solutions, featuring robust account management tools that support everything from daily transactions to complex financial products. Designed for both individual and corporate clients, our system offers high scalability and reliability, ensuring your financial operations run smoothly.
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Card Issuing
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With our innovative Card Issuing service, businesses can offer branded debit, credit, and pre-paid cards. Tailored to meet diverse customer needs, our cards integrate seamlessly with mobile wallets and virtual payment systems, providing a flexible and secure payment solution that enhances user engagement and loyalty.
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Payments Acquiring
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Our Payments Acquiring solution facilitates seamless transaction processing, enabling businesses to accept various payment methods from credit cards to digital wallets. Optimised for security and speed, our system ensures every transaction is processed efficiently, boosting your business’s operational effectiveness and customer satisfaction.
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Regulatory Market Entry Support
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Expand into regulated markets with confidence through our expert guidance and technology solutions. We assist businesses in navigating complex licensing requirements, ensuring seamless compliance and a smooth market entry. Whether you're a startup or an established company, our tailored approach helps you meet regulatory standards efficiently, enabling sustainable growth.
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The Team
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JP Fabri
Co Founder & CEO
JP Fabri is a co-founding partner of Seed Consultancy and a co-founder of AppleSeed and MyUbuntu, two transformative fintech ventures driving financial inclusion and resilience across Africa. AppleSeed is building Africa’s leading digital hub to provide payments, remittances, and banking-as-a-service, while myUbuntu delivers parametric insurance to smallholder farmers, protecting them from climate risks. myUbuntu was recognized as one of Lloyd’s Lab’s most innovative insurtech companies, reinforcing JP’s commitment to fintech-led economic transformation.

An economist by profession, JP has advised nine governments on economic development, resilience, and fintech regulation. He has held key policy roles, including within the private office of the former Prime Minister of Malta and the Governor of the Central Bank of Malta. Approved by the Maltese regulator, JP serves on the boards of various regulated financial institutions.
JP pursued postgraduate studies in economics and political economy at the University of Malta and the London School of Economics. His research interests include blockchain, governance, and economic resilience, with internationally published work.

Nigel Daura
Co Founder & CCO
Nigel Daura is an accomplished fintech and e-commerce entrepreneur, serving as the Co-Founder of AppleSeed. With a strong business development background and a deep focus on partnerships, licensing, product development, and integrations, Nigel has played a pivotal role in shaping innovative digital commerce solutions.
Since co-founding AppleSeed in January 2024, Nigel has led the transition from Appletree into AppleSeed, focusing on developing a robust product strategy and managing day-to-day operations and business growth. Under his leadership, AppleSeed has established vital banking and mobile money partnerships and has streamlined licensing and compliance strategies to reinforce its market presence.
As Managing Director at Appletree Digital Commerce Pvt Ltd, a subsidiary of AppleSeed, he drives product development and operational strategies in Zimbabwe and across Africa, enhancing digital commerce frameworks. His tenure at Zapper Pvt Ltd as Group Director for Africa and Managing Director for Zimbabwe saw him spearhead operational and development strategies that significantly expanded the company’s footprint in digital payment solutions.
Nigel’s technical expertise is grounded in his early career in the UK, where he contributed to major IT transformation projects through roles ranging from Wintel System Architect to Senior Troubleshooting Engineer across various sectors, including local councils, healthcare, and private corporations.
At AppleSeed, Nigel is committed to developing a payments and e-commerce ecosystem with an Africa-first strategy, aiming to revolutionise access and efficiency in digital services across the continent.
Godfrey Mudzingwa
COO
Godfrey Mudzingwa is a seasoned fintech executive with a distinguished track record in digital banking, mobile payments, and financial inclusion. As Head of Digital Channels at one of Zimbabwe’s most innovative banks, he pioneered the country’s first successful bank-led mobile money initiative.
At Econet Wireless, he led the rollout of one million MasterCard Debit Cards issued on the EcoCash digital wallet and led the deployment of over 10,000 POS devices into the market, significantly expanding digital transactions and merchant networks. His portfolio also included managing banking relationships for the wallet’s banking integration project, strengthening interoperability and financial accessibility.

His tenure at Zapper Marketing Africa solidified his expertise in QR payments, where he played a pivotal role in forging partnerships and scaling digital payment ecosystems across multiple markets.
On the global stage, Godfrey consulted for the United Nations Development Programme (UNDP) in New York, spearheading the adoption of alternative payment solutions for the UN system in the Global South. He led pilot projects and developed policy frameworks to enhance digital financial infrastructure across multiple African nations.
Before joining Appleseed, he served as Business Development Director for Banking-as-a-Service (BaaS) initiatives at EFTCorp/Ukheshe Technologies, driving the launch of digital banking services and securing strategic partnerships across Africa. His work has consistently fueled financial innovation and expanded access to banking in underserved regions.
As COO at Appleseed, Godfrey is shaping an Africa-focused fintech powerhouse, delivering cutting-edge BaaS and digital payment solutions. His visionary leadership is redefining financial services, fostering inclusion, and driving the next wave of digital transformation across the continent.

Dr Godwin Caruana
CTO
Dr. Godwin Caruana, an academic and industry leader, holds a PhD focused on High-Performance Computing and AI. With extensive C-suite experience and a passion for machine learning, blockchain, and distributed systems, he drives scalable architecture and security protocols at AppleSeed.
At AppleSeed, Sophie’s role involves guiding the strategic direction of the company to capitalise on emerging opportunities in fintech across Africa and China. She plays a critical role in aligning AppleSeed’s objectives with innovative financial solutions, ensuring the company remains at the forefront of the fintech revolution while enhancing its presence in key markets.
Her contributions are instrumental in shaping AppleSeed’s approach to connecting diverse financial ecosystems between China and Africa, aiming to create sustainable, impactful financial platforms and services.
Nicky Gouder
Co-Founder & Board Advisor
Nicky Gouder is an esteemed tax and structuring professional with a robust background in financial management within the tech sector. As a board advisor for AppleSeed, Nicky brings his extensive expertise in financial structuring and governance to enhance the company’s strategic financial practices.
Throughout his career, Nicky has been instrumental in guiding numerous tech companies, serving on their boards and steering them through complex financial landscapes. His experience spans across various aspects of financial structuring, tax planning, and compliance, making him a pivotal asset to any organization aiming to solidify its financial foundation in competitive and rapidly evolving markets.

At AppleSeed, Nicky’s role is centered around optimising financial structures and implementing robust tax strategies that support the company’s growth and innovation in fintech. His insights are crucial in navigating the financial challenges of expanding in diverse markets, ensuring AppleSeed’s sustainability and success.
Nicky’s commitment to financial excellence and his strategic approach to financial planning are integral to AppleSeed’s vision of becoming a leader in the fintech industry, driving forward its mission with sound financial practices.

Sophie Chen
Board Advisor
Sophie Chen is a seasoned executive with decades of global experience spanning energy, mobility, and fintech industries. As a strategic advisor to the board at AppleSeed, Sophie leverages her vast expertise to enhance the company’s fintech initiatives, focusing on strengthening the China-Africa connection.
Sophie's illustrious career includes pivotal roles in major projects such as China Harbour and TUS, the largest science park operator. Her work in these capacities has not only shown her ability to navigate complex projects but also her skill in fostering international collaborations that drive technological and economic growth.
At AppleSeed, Sophie’s role involves guiding the strategic direction of the company to capitalise on emerging opportunities in fintech across Africa and China. She plays a critical role in aligning AppleSeed’s objectives with innovative financial solutions, ensuring the company remains at the forefront of the fintech revolution while enhancing its presence in key markets.
Her contributions are instrumental in shaping AppleSeed’s approach to connecting diverse financial ecosystems between China and Africa, aiming to create sustainable, impactful financial platforms and services.
Technology & Security Excellence
At the heart of our innovative Banking-as-a-Service (BaaS) and comprehensive wallet solutions is a steadfast dedication to cutting-edge technology and robust security. Our advanced Core Banking platform and agile payment switch infrastructure are meticulously crafted on the most scalable, cloud-native architectures available today. This ensures impeccable performance and reliability, even under the most demanding conditions. We go beyond industry standards in data protection and customer security by implementing top-tier encryption methods, multi-layer authentication systems, and sophisticated fraud detection algorithms.
Our wallet solutions seamlessly integrate banking, payments, and diverse lifestyle services while maintaining rigorous security measures throughout every interaction and transaction. By skillfully blending groundbreaking innovation with unwavering security vigilance, we provide secure, scalable, and dependable solutions that empower businesses and enhance customer experiences across the globe.
We're Here to Help You Thrive
Have questions? Need assistance?
Our dedicated team is ready to support your journey.