Addenda is built on Hyperledger Fabric and uses distributed ledger technology (DLT) to streamline processes between insurance companies. Tailored tasks are reported in real-time on our user friendly interface, and then timestamped as evidence onto the blockchain. This allows insurers to report claim and policy changes in a completely encrypted manner.

Karim Davis Dib
Co founder & Business lead

An industrial engineer by profession, Karim started his career as a liaison engineer for engineering consultancy CH2M. Using his engineering knowledge, he soon found himself working as the head of operations for TMS, a traffic management startup in Qatar.

Co-founder and Project Lead

Originally an environmental engineer and certified insurance loss adjuster, Walid has also dedicated most of his free time since 2012 to learning about decentralized technologies. While working in the Insurance industry, he was also researching cryptocurrency for Cointelegraph and Bitcoin Magazine.

Harsh Ajmera
Tech Lead

Harsh has been coding away for more than 8 years. He's worked on several blockchain proof of concepts from a flight delay smart contract to an avocado supply chain tracker. Harsh has an MBA in IT and worked on Python, shell scripts, PHP and Javascript. He also codes in Ethereum's Solidity and is a certified Hyperledger Fabric developer.


Unlike ICOs, Addenda does not have any advisors who would be motivated by coins. The below is a list of recognition for our startup's ambassadors, who have helped us get to where we are strictly out of their passion for innovative and disruptive insurance technology.

Vivek Bhalla
Director Business Transformation at Takaful Emarat
Raja Al Mazrouei
Executive Vice President at Fintech Hive at DIFC
M Shoaib Khanzada
Chief Business Officer at Noor Takaful
Yanal Naqawa
Head of Customer, Distribution & Market Management (Middle East) at Zurich
Simon Dodsworth
Head of Specialties & Senior Vice President, Lockton Insurance Brokers
Raza Rizvi
Partner at Simmons & Simmons