Innovating for an inclusive and sustainable future

Our platforms

Developing digital wallet technology that transforms how financial support is delivered and understood.

SendDigital enables charities and organisations to provide targeted assistance directly to beneficiaries with unprecedented transparency and accountability.

LOTUS20 extends this vision globally, providing secure offline payments, remittance infrastructure, and AI-driven insights that can unlock financial inclusion for underserved and digitally excluded populations.

These platforms create a powerful ecosystem for delivering support, generating impact data, and building more inclusive financial systems.

• School and education support

• Community grants and hardship funds

• International aid and remittance programmes

Flexible distribution

Suitable for charities, foundations, local authorities, employers, and community organisations delivering targeted financial assistance.

Use cases

• Poverty alleviation and cost-of-living support

• Food and household essentials programmes

• Emergency assistance funds

Direct giving. Visible impact. Real outcomes.

SendDigital is a next-generation digital giving platform that allows organisations and individuals to provide financial support directly to beneficiaries through controlled digital wallets.

Unlike traditional fundraising models, donors can see how their support is being used, while charities gain powerful tools to increase transparency, improve stewardship, and generate new fundraising opportunities.

100% of support reaches beneficiaries

Funds are delivered directly into restricted digital wallets, helping ensure assistance is used as intended.

Real-time impact visibility

Donors and organisations can track outcomes and see how support is making a difference.

Secure and compliant

Built with robust payment, identity, and safeguarding controls to protect all users.

Unlock new fundraising opportunities

Generate greater donor engagement through transparency, accountability, and measurable impact.

Global financial inclusion & humanitarian infrastructure.

LOTUS20 is a secure digital wallet and payment platform designed for humanitarian assistance, remittances, and financial inclusion in underserved markets.

Built to operate in environments with limited connectivity, infrastructure, or access to formal financial services, LOTUS20 enables individuals to receive and spend funds securely without requiring a smartphone, bank account, or internet connection.

Supported by the World Bank and successfully piloted by Save the Children, the platform reached more than 10,000 people across three countries and achieved a 92% user satisfaction rating. It was subsequently recognised by the Financial Action Task Force (FATF) as an example of good practice in reducing the financial abuse of NGOs.

Works without connectivity

Pre-funded digital wallets enable users to receive and spend funds even in low-connectivity and offline environments.

Secure by design

Biometric authentication helps ensure that only the authorised wallet holder can access and use funds, while every transaction is securely verified and recorded.

Reaches the hardest-to-reach

Designed for unbanked and digitally excluded populations, including households, small businesses, and communities with limited access to financial infrastructure.

Supports humanitarian and remittance payments

Facilitates targeted assistance, cross-border remittances, and future microfinance and climate finance applications through a trusted digital ecosystem.

Creates actionable data

Generates valuable transaction and consumption insights that help organisations understand needs, improve programme effectiveness, and strengthen accountability.

User cases

• Humanitarian cash and voucher assistance

• Emergency response and disaster recovery

• International remittances

• Financial inclusion programmes

• Microfinance and community lending

• Climate finance distribution

• Agricultural and rural development programmes

• Digital social protection systems

AI-powered economic intelligence

LOTUS20 captures previously unavailable economic and behavioural data from underserved communities, creating a unique foundation for responsible AI-driven analytics.

This data powers a continuously improving AI engine that helps identify trends, strengthen livelihoods, improve programme design, and support financial inclusion.

At the core of the platform is a learning flywheel: anonymised transaction data improves AI models, better models generate stronger insights, and stronger insights help deliver greater economic and social impact. Each cycle makes the system smarter, more accurate, and more valuable for users, partners, and communities.

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