L20 is F4ID’s first product. It is a digital supply and payment platform, which enables local suppliers and service providers to provide essential goods and services to beneficiaries in last mile environments.

Beneficiaries are given an L20 QR key (often linked to their biometrics). The function of the key is dependent on desired programme outcomes (e.g. nutrition, education, healthcare).

Nutrition

Beneficiaries are given a QR key which allows them to select goods from their local merchant. Local merchants are paid by the NGO within seven days.

Education

Students/Teachers are given QR keys in the form of a pass. Scanning the QR verifies attendance, unlocking learning materials and school meals for the student, and a salary allowance for the teachers.

Healthcare

Patients/Medical staff are given QR keys in the form of a pass. Scanning the QR verifies attendance, unlocking consultations and treatments for the patients, and a salary allowance for the medical staff.

L20 is unique as it does not collect or store any personal information. When a new beneficiary is enrolled, an encrypted pseudonymous biometric key is created. The biometric key is assigned value by the NGO and becomes a “store of value” to be used by local merchants.

How L20 supports

Non-governmental organizations

Enables NGOs to deliver humanitarian assistance using QR keys & track the goods/services selected by beneficiaries. Programmes can be customised to suit beneficiary needs e.g. nutrition, education, and healthcare.

L20 Portal

Beneficiaries

Gives beneficiaries the freedom of choice whilst remaining anonymous. Biometric verification is used to verify someone through their biometric features, not their identity. This means absolute anonymisation of persons receiving L20 assistance and a reduced risk of aid diversion. (Depending on the context biometric verification may not be needed.)

Merchants

Allows local merchants to increase their sales by offering their goods/services to L20 QR keys holders. Smaller merchants who would not normally be able to work with NGOs are given the opportunity.

L20 Merchant app features

How it works

Easy to set up, contributing to the reduction in transactional costs, making the use of donor funds more efficient. Cloud based and deployable anywhere, with no hardware costs.

STEP

01

F4ID provides an L20 QR key to a biometrically enrolled beneficiary.

STEP

03

On behalf of the Merchant, F4ID sends invoices to the NGO. F4ID leverages Enterprise Resource Planning to create automatic payment files.

STEP

05

NGOs tracks supplies/adopts SMART programming. SMART allows NGOs to use data analytics to assess and refine their programmes.

STEP

02

Beneficiary uses the QR key to receive goods/services from local merchants upon successful biometric verification.

STEP

04

The NGO releases funds to the Merchant. All Merchants are subjects to KYC verification prior to being onboarded to L20.

Specify - programme objectives
Measure - what is supplied to households
Analyse - the data produced by L20
Refine - the programme to improve its effectiveness
Track - efficacy of revised programme

Email us:  info@f4id.org

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