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).
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.
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.
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
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.
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.)
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
Merchants can choose which items they want to offer to people, set a price and a description.
The QR keys can be scanned with the phone camera.
Each L20 QR key has a unique owner who can be biometrically confirmed, ensuring their anonymity.
Merchants have the option to apply to multiple programmes.
Keep track of the transactions made, filter and select them to see more details.
Browse through the payment history and see paid and pending transactions.