Preheat oven to 375 degrees F.

Line 9x5 inch loaf pan with parchment paper, or grease the pan liberally. In a large bowl, stir together oat flour, almond flour, coconut flour, baking soda, baking powder, salt and cinnamon.

Put coconut sugar, almond butter, olive oil, applesauce, eggs and vanilla in a second bowl. With hand mixer, combine these ingredients on medium speed for 20 seconds.

Add liquid ingredients to dry, then use hand mixer to combine for 20- 30 seconds on low speed until no flour steaks remain. You don't need to beat this mixture very hard.

Pour into pan and smooth top, then add cacao nibs to the center. Bake for 5 minutes at 375 degrees, then reduce heat to 350 degrees and bake for 26-29 minutes longer, until toothpick comes out clean. Do not overbake, as this will result in a dryer end result.

Let cool on wire rack completely, then slice. Will keep, loosely covered, for 3 days. You can also cut individual slices, wrap in saran wrap or foil and freeze.