Issue a card with a monthly balance to every beneficiary, let partner shops claim against it in person, and keep one clean balance sheet for every rupee, from every card, every shop, and your whole organization.
Each beneficiary gets a QR code and a private PIN. No app to install, no login required to check a balance.
Partner shops scan a card, enter their own PIN, and claim what was spent. Balances can never go negative, even under load.
See exactly what's been funded, claimed, and paid out, per beneficiary, per shop, and for the whole organization.
Invite others to help run the program with organization, manager, and viewer roles.