Payments & Financial Inclusion for Everyone

Getting money to people in crisis should be fast, dignified and traceable. Humanity Link’s payments platform gives NGOs and humanitarian agencies three tools to do exactly that — from straightforward fiat cash delivery to stablecoin disbursements at scale to fully private, encrypted transactions. Whether you’re distributing emergency cash in Ukraine or running a savings group in Kenya, we have the infrastructure to make it work.

Request a demo

Our Payment Solutions

Fast, Secure Transactions

Fast, Personalised Fiat Cash Assistance and Fundraising

Provide

Fast, Personalised Fiat Cash Assistance and Fundraising

Provide enables NGOs and humanitarian agencies to disburse cash, vouchers and financial assistance directly to verified beneficiaries — faster and more transparently than traditional aid delivery. Integrated with mobile wallets, identity verification and real-time monitoring, Provide ensures funds reach the right people without delay or misuse. It supports multi-currency payments, compliance checks and impact dashboards so organizations can scale cash assistance programmes with full donor accountability.

  • Digital cash & vouchers
  • Mobile wallet payments
  • Real-time compliance
  • Identity verification
  • Cross-border payments
  • Mobile top-up

Stablecoin Payments Built for Scale

Enable Platform
Enable

Stablecoin Payments Built for Scale

Enable is Humanity Link’s stablecoin platform for organizations that need to move money at scale, across borders and without the delays of traditional banking. It powers programmatic cash disbursements, emergency funding programmes and group savings and loan associations (VSLAs) — giving communities not just a way to receive aid, but a financial foundation to save, invest and build resilience. Seamless cash off-ramps mean recipients can convert digital value to local currency whenever they need it.

  • Stablecoin transactions
  • Emergency cash programmes
  • Group wallets for savings groups
  • Cross-border payments
  • Full transparency on transactions

Private, Encrypted Transactions for Sensitive Situations

Enable ZK

Private, Encrypted Transactions for Sensitive Situations

Enable ZK brings zero-knowledge cryptography to humanitarian payments — making it possible to verify, transact and transfer value without ever exposing sensitive personal data. For organizations working in conflict zones, with at-risk populations or under strict data protection requirements, Enable ZK ensures that financial support reaches people with complete confidentiality. The transaction happens. The privacy is preserved. Every time.

  • Zero-knowledge proof identity verification
  • Privacy-preserving stablecoin transactions
  • Confidential beneficiary payments
  • No sensitive data exposed or stored
  • Built for conflict and high-risk environments

FAQs

What is the difference between Provide, Enable and Enable ZK?

Provide is our fiat cash and beneficiary management platform — it handles traditional cash assistance, vouchers and identity verification for humanitarian programmes. Enable is our stablecoin platform for organisations that need to move money at scale across borders, including group wallets for savings associations (VSLAs) and programmatic disbursements. Enable ZK adds a privacy-preserving layer using zero-knowledge cryptography, ensuring that sensitive transactions are completely confidential — no personal data is exposed at any point.

Do beneficiaries need a bank account or smartphone to receive payments?

No. Our platform supports multiple payment methods including mobile wallets, cash pick-up points and USSD-based systems that work on basic feature phones. We designed our tools specifically for communities with limited access to traditional banking infrastructure, ensuring no one is excluded because of the device they own or the connectivity available to them.

How does Humanity Link protect beneficiary data during payments?

We use a combination of encrypted data storage, strict access controls and — in Enable ZK — zero-knowledge proof technology that verifies a person’s eligibility without ever exposing their personal information. This means organisations can confirm that the right person is receiving the right payment without storing or transmitting sensitive identity data through the system.

We like your data to stay with you, so everything on our platforms are only viewable (and can be directly stored) by the customer themselves.

What is a VSLA and how does Enable support savings groups?

Village Savings and Loan Association (VSLA) is a community-based savings group, often women-led, that pools resources to provide members with access to credit and financial services. Enable supports VSLAs through group wallets that allow collective savings, loan management and instant disbursements to all members simultaneously — giving communities not just a way to receive aid, but a foundation to build long-term financial resilience.

Is the payments platform compliant with international regulations?

Yes. Our platforms integrate with ISO 27001-certified infrastructure and incorporates compliance checks, audit trails and real-time monitoring to meet the requirements of donors, regulatory bodies and humanitarian accountability frameworks. Every transaction is logged and traceable, giving your organisation full visibility for reporting and compliance purposes.

What currencies and payment methods does the platform support?

Provide supports fiat currency disbursements in local currencies across 145 countries. Enable supports stablecoin transactions — primarily USDC — with seamless cash off-ramps via Moneygram so recipients can convert digital value to local currency at any time. Enable ZK supports the same stablecoin transactions with USDCx and USDC with full privacy preservation. All three integrate with mobile wallets, cash pick-up networks and agent banking systems.

How quickly can payments reach beneficiaries?

Fiat payments through Provide typically settle within minutes depending on the country and payment method via our partner Thunes. Stablecoin disbursements through Enable and Enable ZK settle near-instantly — within seconds — making them particularly valuable for emergency response situations where speed is critical.

Can the payments platform integrate with our existing systems?

Yes. Our platform is designed to integrate with existing case management systems, CRMs and programme management tools used by NGOs and UN agencies. We also integrate directly with EmpowerLink’s communication tools — Share, Listen and Decide — so you can communicate with beneficiaries, collect needs data and disburse payments all within one connected workflow.

What is zero-knowledge proof technology and why does it matter for humanitarian payments?

Zero-knowledge proof (ZK) is a cryptographic method that allows one party to prove to another that a statement is true — for example, that a person is eligible for assistance — without revealing any of the underlying information. In humanitarian contexts this is critical because it means organisations can verify beneficiary eligibility and process payments without storing or transmitting sensitive personal data, protecting recipients’ privacy and dignity in situations where exposure of their identity or location could put them at risk.

How do we get started with the payments platform?

Get in touch through our contact page and we’ll set up a discovery call to understand your organisation’s needs, context and compliance requirements. From there we’ll recommend the right combination of Provide, Enable and Enable ZK for your programme, and work with you through design, testing, onboarding and deployment.

Our payment partners