Every Pound, Purposeful.
Every Outcome, Proven.
The programmable infrastructure platform connecting governments, public bodies and private funders with citizens through a marketplace of vetted service providers — where money can only ever do what it was designed to do.
Public money leaves a trail of good intentions
Governments and public bodies spend over £10 billion annually on directed benefit programmes — childcare, skills training, personal health budgets, sports participation, social care. The systems administering this spending are not fit for purpose.
Fragmented by Design
Each department, each local authority, each employer runs its own siloed scheme — separate applications, separate cards, separate systems. Citizens navigate a labyrinth. Vendors face inconsistent onboarding across dozens of incompatible platforms.
Outcomes Are Assumed, Not Proven
Funders announce investment and hope money reaches its purpose. There is no reliable, real-time mechanism to verify that a childcare voucher funded actual childcare, or that a training grant produced trained individuals. Fraud is discovered retrospectively — if at all.
Money Left on the Table
Billions in directed benefits go unclaimed or unspent each year — not because the need does not exist, but because the systems are too complex to navigate. What is spent is burdened by manual administration, paper-based audit trails, and overhead that consumes funds meant for citizens.
One platform. Every stakeholder. Every penny traced.
Four steps that turn fragmented, unverifiable public spending into a single, accountable flow from funder to outcome.
Configure a Programme
Government departments, local authorities, NHS bodies, employers and charities define the rules: who qualifies, how much they receive, which categories it can be spent on, and when it expires. Money is held in secure escrow until it reaches its purpose.
Receive a Digital Award
Qualifying individuals receive an award in their personal account on the platform. Funds are programmable — they can only be spent with approved providers, within approved categories, within the programme window. Unused funds return automatically to the funder.
Deliver & Verify
Citizens check in at the point of service using a secure, dynamic QR code generated on their device — works offline, like a 2FA authenticator. Providers confirm delivery through the platform. Risk-based verification means legitimate providers face minimal friction.
Every Pound Accounted For
Every transaction is recorded on a tamper-proof audit ledger. Funders get real-time programme visibility and independent proof that their money reached its intended purpose — without accessing citizen personal data. The ledger is the source of truth, not a spreadsheet.
Built for the complexity of real-world directed spending
Most existing schemes are binary — full funding or nothing, one system or another. This platform handles the full complexity of how public and private funding actually works.
Programmable Awards
Spending rules are baked into every award at creation — allowed categories, approved providers, maximum amounts, and hard expiry dates. Rules are enforced automatically at every transaction. No manual review required.
Dynamic QR Check-In
Citizens present a rotating, time-limited QR code at the point of service — generated on-device using a TOTP seed, like a hardware 2FA token. Works fully offline. Vendor scans to confirm presence. Prevents replay, sharing, or forgery.
Risk-Based Proof of Work
Vendor asserts delivery; citizen engagement is recorded at check-in. Confirmation requests are issued proportionally — a clean provider with good history faces low friction, while new or flagged vendors face closer scrutiny. The system learns and improves over time.
Privacy-First Audit Ledger
Every transaction is recorded on a tamper-proof ledger — immutable and independently verifiable by funders. Citizen identity never appears on-chain. Funders can verify programme integrity in full without accessing personal data. GDPR by design.
Flexible Co-Pay & Funding Split
Programmes support any combination of funder contributions and citizen co-pay — fixed, percentage-based, or means-tested. Multiple funders can contribute to a single transaction. Citizens can top up for premium providers. Every leg independently audited.
Unified Multi-Programme Wallet
A citizen can hold awards from multiple funders simultaneously — NHS, local authority, employer — each with its own rules, all managed in a single account. No duplicate registrations. No separate apps. One coherent experience across every entitlement.
Built on proven infrastructure. Not invented here.
Every technical decision in this platform is grounded in established, regulated, and battle-tested practice. No novel cryptography. No unproven rails. The innovation is in the assembly — bringing together components that individually serve millions of users and combining them into a coherent directed-spending layer.
How Money Moves
Proven Foundations
TOTP-Based Offline Check-In
The dynamic QR check-in uses Time-based One-Time Passwords — the same cryptographic standard securing banking apps, government portals, and enterprise systems worldwide. No network required at point of service. Cannot be replayed, shared, or forged.
Regulated E-Money Framework
Programme funds are represented as e-money tokens, operating within the FCA's existing Electronic Money Regulations — not outside them. The platform works within the regulatory perimeter via an EMI licence or established Banking-as-a-Service partner. No novel legal territory.
Privacy-First Audit Ledger
Citizen identity is architecturally separated from the transaction record. What goes on the ledger is the economic event — amount, category, programme, proof reference. Who is behind it stays off-chain, erasable, GDPR-compliant. Privacy is a structural property, not a policy promise.
Offline-Capable by Design
The check-in token is generated on-device from a provisioned seed key. No network handshake required at point of service — critical for outdoor venues, rural settings, and facilities with poor coverage. Transactions queue and sync automatically on reconnection, with cryptographic proof of the original timestamp.
Programmable Spend Enforcement
Spending rules — approved categories, vendor allowlists, expiry dates, co-pay ratios — are encoded into the award at issuance. They are enforced automatically at every transaction attempt, not checked manually after the fact. A transaction outside the rules cannot be processed. The programme cannot be misused by design.
Risk-Adaptive Verification
Every vendor and beneficiary builds a compliance reputation over time. Clean actors face progressively less friction. Anomalies — claim patterns, GPS mismatches, scan gaps — surface automatically and trigger proportionate scrutiny. The system learns. Manual audit becomes exception-handling, not standard practice.
Regulatory & Security Alignment
Designed for every party in the funding chain
Know Your Money Worked
Governments · Public Bodies · Employers · Charities
- Configure programmes with full eligibility and spending rules
- Real-time dashboard: spend, category breakdown, expiry tracking
- Independent verification of outcomes — no manual audit required
- Automatic fund return on expiry — nothing left unaccounted for
- Cross-departmental programmes on a single platform
- Means-tested co-pay to stretch programme budgets further
One Account, Every Entitlement
Individuals · Patients · Employees · Families
- Single account aggregating all funded awards in one place
- Simple, app-based spending with approved local providers
- Dynamic QR check-in — no card, no voucher, no paperwork
- Clear visibility of balances, categories, and expiry dates
- Co-pay top-up for premium provider options where eligible
- Privacy protected — personal data never shared with funders
Get Paid. Stay Compliant.
Schools · Childcare · Sports Clubs · Training Providers
- Join a marketplace of funded programme beneficiaries
- Lightweight onboarding — verified once, accepted across all programmes
- QR-based session check-in with offline capability
- Clear assertion flow for proof of service delivery
- Fast, predictable settlement based on risk tier
- Compliance reputation builds over time — less friction for good actors
A fragmented market worth billions — unified by one platform
The UK is the right place to build and prove this model. A mature fintech regulatory environment, a government actively seeking delivery partners, and public sector scale large enough to establish the network effect. International expansion follows the infrastructure.
UK Directed Spending — Key Sectors
Annual| Sector | Spend |
|---|---|
Childcare & early years Government expansion programme underway | £6bn+ |
NHS personal health budgets Active reform agenda | £1.5bn |
Skills & adult training Skills England initiative | £2.5bn |
Sport & physical activity Sport England & council programmes | £500m+ |
Employee benefits (private) Employer-funded wellbeing growing | £3bn+ |
| Total addressable (UK) | £13.5bn+ |
Global Applicability
The structural problem is not uniquely British. The same fragmented, unverifiable directed-spending failure exists across developed economies. The UK-proven model exports cleanly.
Ready to make public funding work?
We are seeking investment partners and pilot programme collaborators to bring this platform to market. Whether you represent a funding body looking to modernise how you deliver directed benefits, an investor looking for a high-impact govtech opportunity, or a provider network interested in the marketplace — we want to hear from you.
A Synapsys Digital Ltd initiative · Registered in England & Wales