Issue any form of value — money, equity, carbon credits — with conditions that enforce themselves. The voucher carries the rules. You see the proof.
Raising the capital is the easy part. Getting it to the right person, in the right form, with proof — that's where every program struggles. Vouch is built for that problem.
The old way
What changes
Five programs. One infrastructure. Each one different in purpose — identical in mechanics.
The problemGovernment-procured seed packages arrive late, carry the wrong inputs for local soil conditions, and pass through three procurement layers before reaching anyone. Farmers have no say. Corruption is endemic to the procurement chain.
With VouchEach farmer receives a purpose-bound voucher redeemable at any certified dealer in her district. She chooses her supplier. Dealers compete on price and quality. The government sees every redemption — which dealer, which inputs, which farm — in real time.
The problemEmergency food packages are procured centrally, arrive in the wrong quantities, expire before use, and carry significant logistical overhead. Beneficiaries cannot express preferences. NGOs cannot prove delivery at an individual level.
With VouchFamilies receive vouchers redeemable at any participating local market. The NGO sees who redeemed what, where, and when. Donors get individual-level proof, not aggregate estimates.
The problemHealthcare budgets, meal allowances, and learning stipends are allocated but rarely fully used — requiring receipts, approved-vendor networks, and administrative overhead that discourages employees and obscures what the benefit actually achieved.
With VouchEach benefit is issued as a purpose-bound voucher — redeemable at any qualifying provider, with no receipts to submit. The company configures what it's for. The employee chooses the provider. Finance sees utilisation in real time.
The problemEquity grants and token allocations are governed by off-chain agreements — vesting schedules tracked in spreadsheets, cliff dates enforced manually, transfers dependent on legal intermediaries. The conditions are real but the enforcement is administrative.
With VouchGrants are issued as programmable vouchers with conditions encoded at issuance — cliff, vesting schedule, transfer restrictions, performance triggers. Value is held in escrow and released automatically when conditions are met. No manual tracking. No administrative enforcement.
The problemCarbon credits are purchased against projected outcomes — tree planting, soil sequestration, avoided deforestation — that may never materialise. Payment precedes proof. The incentive structure rewards promises, not results.
With VouchFunding is issued as a conditional voucher held in escrow. An oracle — satellite data, IoT sensors, third-party verification — confirms the outcome. Only then is value released. The incentive and the proof are the same instrument.
The program type doesn't matter. The need is always the same: value that goes where it was meant to, and proof that it did.
Turn disbursements into outcomes. Every unit of value tracked to its final use — provable, auditable, real.
Agricultural subsidies · Food programs · Housing benefits · Cash transfersFewer handoffs. Lower leakage. Individual-level proof for every donor. Works offline, without smartphones or bank accounts.
Emergency relief · Refugee support · Nutrition programs · Community fundsBenefits your people actually use. Healthcare. Meals. Childcare. Learning. Design the program once, know exactly what was spent and on what, without managing receipts.
Health benefits · Meal allowances · Childcare · Learning & developmentYour benefit, your choice. Know what you have, where you can spend it, and that it's really yours — tied to you, not a card that can be lost or a number that can be stolen.
Food assistance · Education grants · Medical coverage · Housing supportThe infrastructure layer for programmable value. Build payment platforms, benefits systems, or aid distribution tools on top of a single flexible API. Sandbox in 24 hours.
Payment platforms · Benefits software · Aid systems · Fintech productsSet the rules once. The system upholds them for every transaction, in every location — no manual checking, no intermediary required.
Not just "healthcare" — "any licensed clinic within the district." Not just "food" — "fresh produce and staples, not alcohol or tobacco." You set boundaries as broad or as specific as your program needs. Categories, geographies, time windows, providers, quantities — all configurable without writing a line of code.
The rules travel with the value. A seed voucher can't be spent at a liquor store. A carbon credit can't be claimed without a verified outcome. An equity grant won't transfer before it vests. No intermediary enforces this — the voucher does.
Who redeemed what, where, and when — in real time. Not estimates. Not quarterly reports. A complete, auditable record from the moment value is issued to the moment it's spent.
A voucher carries its purpose. It can't be redirected. It can't be spent on the wrong thing. And it leaves a complete record.
Designed for the hardest conditions first — no connectivity, no card readers, no bank accounts. If it works there, it works everywhere.
The beneficiary can be completely offline. A paper slip or QR carries enough for the merchant to validate. Built for the places where need is greatest and infrastructure is thinnest.
Agricultural inputs. Emergency relief. Employee benefits. Equity grants. Carbon credits. Different programs, identical mechanics.
Instead of receiving a government-procured package, a farmer gets a voucher she can spend at any certified agricultural supplier in her district. Ten local dealers compete on price and quality. She gets what actually grows in her soil.
Families receive vouchers redeemable at any participating shop — flexible enough to meet each household's real needs, with the right constraints built in where programs require them.
Healthcare budgets, meal allowances, equity grants, learning stipends — any form of value issued to employees with conditions. The voucher enforces the purpose, the person chooses the provider, and you see exactly what was used.
NGOs, cooperatives, local governments, and community groups can design and run their own voucher programs. Water access, sanitation, library vouchers — any program, any size, without needing expensive custom infrastructure.
Families select any accredited school. The voucher funds enrollment — it can't be used elsewhere, can't be transferred, and is released only when the student enrolls. No value lost to administrative overhead.
Carbon credits, cash grants, commodity rights — value issued to communities contingent on verified outcomes. Released only when the condition is met. The incentive and the proof are the same instrument.
Whether you have a program ready to go or a blank sheet of paper — write to us. We respond within 24 hours.
You're a government, NGO, or company wanting to run a program — subsidies, aid, benefits, grants.
You're a developer or fintech wanting to build on Vouch's API — wallets, POS, benefit platforms.
You want to integrate, distribute, or co-design programs in your market or with your network.
Every layer between policy and person adds cost, delay, and leakage. Vouch removes the layers.
A government can report that it disbursed its entire subsidy budget on schedule. That number means nothing if the value was redirected, arrived in the wrong form, or reached the wrong people. Vouch makes disbursement and delivery the same thing.
Beneficiary data is stored in-country by default and never shared with third parties. Transaction records are fully auditable and can be exported for procurement or parliamentary reporting. Vouch is designed to meet the data residency requirements of national government programs — we configure this per deployment.
From the moment a voucher is issued to the moment it's redeemed, every transaction is recorded. Not in a report produced three months later — in real time, on a dashboard you can see right now.
Instead of centralised procurement — which creates cartels, reduces quality, and removes farmer agency — vouchers let each farmer choose any certified supplier in their area. Local markets compete for their business.
Vouchers work on paper, SMS, printed QR codes, or mobile wallets. A farmer in a village with no smartphone can still receive and redeem a voucher. You don't need to build a digital infrastructure to use one.
Set conditions for release. Vouchers can be issued contingent on verified outcomes — enrollment, harvests, certifications — so the incentive and the proof of result are built into the program from the start.
Farmers choose their supplier. The voucher enforces the category. The government sees every redemption.
Families receive vouchers for fresh produce and staples. Restrictions keep value within its intended purpose.
Cash, commodities, or services — unrestricted or purpose-bound, distributed via SMS to anyone with a phone number. No bank account required.
Tell us what you're trying to achieve. We'll show you how Vouch gets you there.
Get in touchEvery layer between your commitment and the person who should receive it costs time, value, and dignity. Vouch removes those layers — so what you raise reaches who you meant to reach.
Cash-based assistance is more effective than in-kind aid in almost every study. But it requires the right infrastructure — something that can reach a refugee camp, a flood zone, or a rural community without a single bank account or smartphone in sight.
SMS codes, printed QR codes, and scratch cards all work. A voucher can reach anyone with a phone number or the ability to hold a piece of paper.
Flexible or restricted — programs can be designed to give full choice or to focus spending on specific categories, depending on what the program intends. Either way, the person holds the benefit.
Every voucher issued, every redemption, every remaining balance — visible in real time. Show donors exactly where their money went, down to the individual transaction.
Vouchers redeemable at local shops keep money in local economies. Aid that builds rather than displaces the communities it serves.
Emergency relief, nutrition, cash transfers — whatever you're running, we'll show you how Vouch fits.
Get in touchGood benefits programs take time to design and are hard to measure. Vouch makes it straightforward to define what benefits are for, distribute them to employees, and see clearly what was used and what impact it had.
Any licensed clinic, pharmacy, or therapist. Employees choose the provider that works for them. No network restrictions.
Daily or monthly meal allowances, spendable at any food vendor. Or restrict to specific categories — fresh produce, not fast food.
Skills budgets redeemable at any accredited training provider. Employees choose what they learn. You verify the credential.
Childcare vouchers usable at any certified provider. The benefit works wherever your employees live.
Gym memberships, therapy, mental health apps — a single annual budget that works across any certified wellness provider.
Define the category, the value, and the time window. Vouch handles issuance, redemption, and reporting.
Tell us what you're running. We'll show you how Vouch replaces the admin with outcomes.
Get in touchYour benefit. Your choice of provider. Yours to spend — no bank account, no permission required.
Know exactly what you have and what you can spend it on. No surprises at the checkout. No calling a helpline to ask if your voucher still works.
Not a list of approved vendors decided by someone else. Any certified shop, clinic, or school in your area. You choose what works for your family.
A Vouch voucher is bound to your identity. It can't be sold, transferred, or stolen. If something goes wrong, it can be reissued — because the record exists.
No bank account needed. No smartphone required. A paper slip, a scratch card, or an SMS code is enough to receive and use your benefit.
If you're receiving benefits through a program and want to know if Vouch can help, get in touch.
Get in touchA complete API for programmable value. Issue conditions. Enforce them. Settle the outcome. Build anything that moves value with rules.
Add purpose-bound transactions to existing payment infrastructure.
Offer programmable vouchers as a product to institutional clients.
Integrate voucher holding, presentation, and redemption into your mobile wallet.
Accept voucher redemption at point of sale with real-time constraint validation.
Power your benefits platform with programmable vouchers instead of closed gift cards.
Build humanitarian cash transfer systems with full auditability and offline support.
Create a voucher scheme — define purpose, value type, terms, and distribution rules.
Issue vouchers to holders. Batch or individual. Returns voucher IDs and presentation tokens.
Execute redemption — debit value, log constraint evaluation, trigger settlement.
Scheme-level reporting: redemption rates, geographic distribution, outcomes.
Tell us what you're building and we'll provision sandbox access. Include your stack and expected use case if you can — it helps us get you set up faster.
siddharth@finternetlab.io →Built by the architects of Aadhaar and India Stack. The same infrastructure thinking, applied to value.
Trillions move through subsidy programs, aid systems, equity grants, and benefits every year. Most of it can't be traced to a single person or a single outcome. Vouch changes that.
Chief Architect of Aadhaar — India's biometric identity system for 1.4 billion people — and the principal designer of India Stack, the open digital infrastructure layer underpinning the world's largest digital payments ecosystem. Dr Varma has spent two decades building the foundational rails of digital public infrastructure in India and internationally. He brings that same systems thinking to Vouch: not a product, but a primitive — infrastructure that others build on.
Siddharth leads product and commercial strategy at Vouch, focusing on translating the infrastructure into programs that work at ground level — from agricultural subsidies in West Africa to humanitarian cash transfers and corporate benefits systems. His work bridges tokenised assets, real-world payment rails, and the organisations that run the world's value distribution programs — from agricultural subsidies to equity issuance to climate finance.
Sujith leads technology and infrastructure at Vouch, designing the systems that make programmable vouchers work reliably across widely varying environments — from mobile wallets and card networks to offline paper-based distribution in contexts with no internet connectivity. His background spans financial infrastructure, cryptographic systems, and large-scale distributed platforms.
Aadhaar gave 1.4 billion people a verifiable identity. Before it, subsidy programs in India leaked an estimated 40% before reaching a beneficiary. After it, direct transfers reached people who had never been in the system. Vouch applies the same logic to value itself: programmable, verifiable, direct.
India Stack was not a product — it was infrastructure. Thousands of applications were built on top of it. Vouch is designed the same way: not a closed platform, but a primitive. The layer that governments, NGOs, banks, and fintechs build their programs on.
Whether you have a live program or a blank sheet of paper — get in touch. We'll show you what's possible.
Get in touch