Financial operations
Cross-border beneficiary payments
Send money to the people you serve in another country with fewer banks and agents in between, so more of each payment reaches them and it arrives sooner.
- WFP Building Blocks. Transferred cash to refugee populations at scale, fast and at low cost.
- Oxfam UnBlocked Cash. Accelerated cash delivery and reduced transaction costs in remote Pacific islands.
- UNHCR. Distributed cash to displaced persons securely and with full transaction traceability.
Financial operations
Staff salary payments across jurisdictions
Pay staff in several countries on time and at lower cost, without delays from banks or compliance holds along the way.
Financial operations
Vendor and supplier payments in remote locations
Pay suppliers in remote places without relying on cash or long chains of banks and agents, so they receive usable money quickly.
Financial operations
Inter-office fund transfers across country programmes
Move money between your country offices faster, and give both offices one agreed record that each transfer is complete.
- Stellar / IBM World Wire. Handled cross-border settlement and FX in multiple currencies in near real time.
- Disberse. Traced international aid fund transfers reducing intermediary costs.
Financial operations
Emergency rapid-disbursement payments
Get cash to affected people within hours of an emergency decision, even when they are spread out and few banks are working.
- Start Network. Accelerated emergency funding payouts with enhanced transparency.
- Mercy Corps. Delivered digital cash aid fast to farmers in conflict-affected zones.
- Oxfam UnBlocked Cash. Accelerated cash delivery and reduced transaction costs in remote Pacific islands.
Financial operations
Multi-currency treasury management
Hold and move funds in several currencies with less manual reconciling, and keep a clear view of your position in each currency.
Financial operations
Donor fund reconciliation and tracking
Match each donor's contribution to how it was spent, with less manual work, so every donor sees figures that agree with yours.
- Disberse. Traced international aid fund transfers reducing intermediary costs.
- UNICEF CryptoFund. Funded global tech startups addressing child welfare, transparently and at low cost.
Financial operations
Real-time financial reporting across programmes
Bring the financial records of every country programme into one report that stays current, so you do not wait for month-end consolidation.
- Disberse. Traced international aid fund transfers reducing intermediary costs.
- WFP Building Blocks. Transferred cash to refugee populations at scale, fast and at low cost.
Financial operations
Automated compliance reporting to donors
Check spending against each donor's grant conditions as it happens, and produce the compliance report from that record instead of building it by hand.
- Disberse. Traced international aid fund transfers reducing intermediary costs.
- UNICEF CryptoFund. Funded global tech startups addressing child welfare, transparently and at low cost.
Financial operations
Petty cash and field office expense management
Track small cash spending in field offices in one shared record, so receipts and balances match without long reconciliation.
- AID:Tech. Distributed aid to refugees using digital identity, transparently and verifiably.
- Mercy Corps. Delivered digital cash aid fast to farmers in conflict-affected zones.
Financial operations
Procurement process transparency and audit trails
Keep a record of each purchasing decision, from choosing the vendor to final approval, that cannot be changed later and that auditors can check themselves.
- Provenance. Traced supply chains for ethical sourcing verification with tamper-proof records.
- Disberse. Traced international aid fund transfers reducing intermediary costs.
Financial operations
Smart contract-based vendor payment terms
Pay vendors automatically once the agreed delivery conditions are met, so disputes over whether a milestone was reached happen less often.
- WFP Building Blocks. Transferred cash to refugee populations at scale, fast and at low cost.
- Provenance. Traced supply chains for ethical sourcing verification with tamper-proof records.
Financial operations
Multi-party approval workflows across time zones
Let approvers in different time zones sign off one payment, each seeing the same information, without waiting for everyone to be online together.
- WFP Building Blocks. Transferred cash to refugee populations at scale, fast and at low cost.
- Start Network. Accelerated emergency funding payouts with enhanced transparency.
Financial operations
Restricted vs unrestricted fund segregation and tracking
Keep each donor's restricted funds apart from general funds, and show at any time that money was spent only for its agreed purpose.
- Disberse. Traced international aid fund transfers reducing intermediary costs.
- UNICEF CryptoFund. Funded global tech startups addressing child welfare, transparently and at low cost.
Financial operations
Multi-year grant milestone-based disbursement automation
Release each grant instalment once the agreed milestone is confirmed, so funding does not stall while someone checks the evidence.
- Disberse. Traced international aid fund transfers reducing intermediary costs.
- Start Network. Accelerated emergency funding payouts with enhanced transparency.
Financial operations
Sub-grantee fund disbursement and tracking
See whether money passed to a partner reaches the sub-grantees and people it was meant for, and not only the first recipient.
- Disberse. Traced international aid fund transfers reducing intermediary costs.
- Start Network. Accelerated emergency funding payouts with enhanced transparency.
Financial operations
Proof of funds deployment (donor accountability)
Give donors evidence that funds were spent as stated, in a form they can check without relying only on your own reports.
- Disberse. Traced international aid fund transfers reducing intermediary costs.
- WFP Building Blocks. Transferred cash to refugee populations at scale, fast and at low cost.
Financial operations
Real-time expenditure tracking for donors
Let donors see spending as it happens, rather than waiting for a quarterly report, with figures taken directly from field and payment records.
- Disberse. Traced international aid fund transfers reducing intermediary costs.
- UNICEF CryptoFund. Funded global tech startups addressing child welfare, transparently and at low cost.
Financial operations
Microfinance and lending to underbanked beneficiaries
Offer small loans to people who cannot use ordinary banks, and keep repayment records that every lender involved can rely on.
- Kiva Protocol. Microloans to entrepreneurs without traditional credit history.
- Celo / Grameen Foundation. Mobile-first financial services access for underserved populations.
- BanQu. Portable economic identity for refugees and marginalised populations.
Financial operations
Savings group management and record-keeping
Keep the savings and loan records of community savings groups in one shared record, so members and facilitators do not end up with different figures.
Financial operations
Forecast-based financing (anticipatory action)
Release funds automatically when a forecast passes an agreed warning level, so help reaches people before a flood or drought hits.
- Start Network. Accelerated emergency funding payouts with enhanced transparency.
- WFP Building Blocks. Transferred cash to refugee populations at scale, fast and at low cost.
Financial operations
Parametric insurance for beneficiaries
Pay out insurance to beneficiaries automatically when a measured event, such as low rainfall or a flood level, is reached, with no claims process.
- Etherisc. Automated parametric insurance payouts for smallholders on weather events.
- ACRE Africa. Reduced insurance costs and automated claims for smallholder farmers.
Financial operations
Community currencies and complementary currency systems
Set up a local payment system that keeps spending inside a community, for places where cash is scarce or the local economy is weak.
- Grassroots Economics / ICRC Kenya. Reported a 21x multiplier effect on cash transfers through community inclusion currencies in Nairobi and Mombasa.
- Red Cross Cameroon CIC. Scaling community currencies to stimulate local economic activity in displacement settings.
- Sarafu Network. Operational community currency network since 2020 in multiple Kenyan communities.
Financial operations
Currency hedging and stability (stablecoin alternatives)
Protect the value of your funds where the local currency is losing value or hard to exchange, and ordinary protection is not available.
Financial operations
Insurance for field staff and organisational assets
Pay claims for staff and equipment faster, based on agreed evidence, where commercial insurers serve fragile or conflict-affected areas poorly.
- Etherisc - decentralised insurance protocol. Reference implementation for parametric triggers, smart-contract claim adjudication, and stablecoin payouts, directly transferable to field-staff medevac and asset-damage policies.
- Nexus Mutual - on-chain mutual insurance. Peer-pooled capital and claim voting model, the template for an NGO-mutual that disintermediates traditional reinsurance for field risk.
- Oxfam R4 Rural Resilience Initiative. Humanitarian parametric insurance at scale, an operational precedent for applying parametric mechanics to NGO-adjacent risk.
- African Risk Capacity (ARC). Sovereign-level parametric pool with weather-triggered payouts, operational evidence that parametric structures settle fast and survive catastrophe events.
Financial operations
Zakat and interest-free loan (qard hasan) distribution transparency
Record zakat (religious giving) and qard hasan (interest-free loan) payments to eligible recipients so donors and religious supervisors can check them, without revealing who received them.