Amanah
For organisations supporting people in another country, such as aid and scholarship programmes: spending limits and a clear record for reporting.
An international supplementary card experience
Support from abroad, without the back-and-forth.
Share the everyday load from abroad. Agree the boundaries once, then your family pays at home with a Blanja card in their own name and local currency. You get an update, not another decision to make.
Pre-launch · no signed partners or live transactions yet · the demo uses simulated institutional inputs
Concept card · not yet issued
One family card, for the ways families support each other.
A few of the moments it’s made for, shown as worked examples from one example corridor, Singapore to the Philippines. Each runs about half a minute.
FIESTA DAY
Fiesta day. Dad is shopping for the street party.
Everyday: an allowance with a few kinds of shops left out, handled quietly.In storeLiquor stores left outNo alert
How it works
Set the spending rules in advance, so everyday purchases do not need a fresh request to the supporter.
Set it once
Choose what the card is for: an amount, a time window if you want one, and any kinds of shops to leave out. Your family sees the limits before the card arrives.
They pay at home
Your family uses a Blanja card in their name at participating card-accepting shops and online checkouts. Purchases within the rules need no fresh request to you; the issuer still checks each payment.
You stay in the loop
You get a short update for each purchase. Sometimes a thank-you comes back with it.
Getting set up, together.
Two people, two phones, two checks. Each of you is verified where you live, by a licensed institution in your own country.
blanja
Confirm who you are
Verify with[Your provider]
✓ Identity confirmedSigned by your provider
9:41No invitations yet
You set up your side
Ana creates her Blanja account and confirms who she is with her own bank or provider, where she lives.
Behind the scenes
Her provider checks her under its own licence, in her country, and signs the result. Nobody abroad re-checks her.
Proposed flow, for illustration. Names in [brackets] stand for the licensed partner institutions. The proposed design requests funding at purchase authorisation; charge or hold timing, fees and currency exchange depend on the licensed partners. Approval is not final settlement.
When cash is short
Cover an urgent bill from your credit card.
Emergencies rarely wait for payday. For a hospital bill or another urgent cost, you’ll be able to make a set amount available for a few days and cover it from your credit card. Your family pays right away at the counter.
Planned feature. Whether it counts as a purchase or a cash advance, and what it costs, depends on your card issuer and the card scheme. Availability depends on the licensed partners we work with. Interest and fees follow your source card’s terms; this is meant for short, capped emergencies.
Example · urgent cover
- Use at
- Hospitals
- Up to
- ₱20,000
- Lasts
- 3 days
- Paid from
- Credit card ••42
- Cash-advance fee
- set by your card issuer
Unused amount lapses when the 3 days end
When something isn’t covered, nobody has to say no.
If a purchase falls in a category you chose to leave out, the card simply doesn’t cover it. There’s no alert, no request, and no awkward call. Their own money is still theirs to spend.
Categories describe the shop, not each item. Leaving out liquor stores doesn’t cover drinks sold at a supermarket or a corner shop. Amount limits and security checks always apply.
Example · set by Ana
- Groceries, pharmacy, utilities
- covered
- School and university fees
- covered
- Liquor stores
- left out
- Gambling
- left out
- Cash withdrawals
- off, always
- Monthly amount
- ₱15,000
Set by Ana · Dad sees every limit
One shared record, seen from both sides.
Every purchase on the card appears in a record you both can check: the shop, what kind of shop it is, the amount and where the payment stands. Here’s a month of Dad’s card.
Eduardo Ramos•••• 0417
Dad’s card, in his name. You set the limits and provide the funding source; he holds and uses it.
Monthly allowance₱5,995 of ₱15,000
₱9,005 left · resets 1 Nov · funding source: your card ending 42
Urgent cover · Ana’s cap₱6,200 of ₱10,000
Extra limit on your credit card ending 42 · hospitals only · lapses 21 Oct
Left out2
Liquor stores · Gambling
Cash withdrawals are always off.
2 OctCorner GroceryGrocery store · 5411₱1,240Posted
Approved 2 Oct, 9:14 · Posted 3 OctPaid from your card ending 42 in this illustrative record.Shows the shop and its category, not the items bought.5 OctBotika SantosPharmacy · 5912₱860Posted
Approved 5 Oct, 17:02 · Posted 6 OctPaid from your card ending 42 in this illustrative record.Shows the shop and its category, not the items bought.8 OctCity PowerUtilities, online · 4900₱2,315Posted
Approved 8 Oct, 20:31 · Posted 9 OctPaid from your card ending 42 in this illustrative record.Shows the shop and its category, not the items bought.12 OctCorner GroceryGrocery store · 5411₱1,580Posted
Approved 12 Oct, 10:42 · Posted 13 OctPaid from your card ending 42 in this illustrative record.♥ “Salamat, ’nak! Pancit later.” · Thanks, dear! Pancit later.Shows the shop and its category, not the items bought.14 OctMendoza HardwareHardware store · 5251₱450Refunded
Approved 14 Oct · Posted 15 Oct · Refunded 17 Oct (item returned)Charged to your card ending 42, then refunded to it.Shows the shop and its category, not the items bought.18 OctSan Isidro HospitalHospital · 8062 · urgent cover₱6,200Approved
Approved 18 Oct, 15:20 · Posting usually takes 1–3 daysFunding requested from your credit card ending 42, within the urgent cover. Approval is pending posting.Shows the shop and its category, not the items bought.
Approved purchases appear here when the issuer’s update arrives. Attempts the limits don’t cover aren’t shown to you.
Illustrative record. Merchant categories describe the shop, not the items bought. An approval can still change: purchases move from approved to posted, and can be reversed, refunded or disputed. Updates depend on issuer reporting; refund timing and the return path depend on the licensed partners.
Where Blanja fits.
Blanja is the proposed family application of Delegated Finance: an international supplementary card experience supported by institutions in two countries. DELFINA supplies the identity-attestation reconciliation API and SDK; licensed partners provide issuance and funding.
What people use
You are here
Blanja
For families supporting each other across countries: limits you set, a card in their name, a shared record.
Pre-launch
Licensed institutions
Where the supporter lives
[Supporter’s provider]
Verifies the supporter under its own licence and provides the funding side.
Where the family lives
[Issuing partner]
Verifies the cardholder under its own licence, issues the card and approves each purchase within the limits the supporter set.
The engine
DELFINA
Two signed checks in. One explainable result out.
DELFINA compares the two institutions’ signed checks with what a card like this requires, and shows which requirements are covered and what is missing. The institutions decide what to do with the result.
holds no moneyno raw ID documentsmakes no decisionissues no cardnot in the purchase path
Who checks whom
Before the card is issued; renewed checks may be needed when evidence expires or circumstances change.
- 1[Supporter’s provider] checks AnaIn her country, under its licence, and signs the result.
- 2[Issuing partner] checks DadIn his country, under its licence, and signs the result. This is the name that goes on the card.
- 3DELFINA reconciles the twoAre this card’s requirements covered by the two checks together? It names anything missing.
- 4The issuing partner decidesIf it accepts the result, it issues the card in Dad’s own name, not Ana’s.
How a purchase is paid
Happens every time the card is used. DELFINA isn’t involved.
- 1Dad taps or checks outAt a shop terminal or an online checkout.
- 2The issuing partner checks the paymentAgainst Ana’s limits and exclusions, available funding and its own security checks.
- 3Funding is requested in real timeThe proposed design requests funding from Ana’s chosen card during purchase authorisation. The licensed partners determine whether and when a charge or hold appears, and how fees and currency exchange apply.
- 4The card network settles with the shopThe record starts at approval and updates as the purchase is posted, refunded or reversed.
- –DELFINANot in this path. It is never asked to approve a payment.
Family and programme needs → Blanja · Amanah → licensed institutions → DELFINA → more supported countries, one validated corridor at a time
Pre-launch. No signed partners or live transactions yet. The engine demo uses simulated institutional inputs. A computed result is not regulatory approval; licensed institutions remain responsible for their decisions.
Where we are
Blanja is in development.
Cards would be issued by a licensed partner in your family’s country. There are no signed partners or live transactions yet; what you see here is how we want it to work. People, amounts and shops in the stories are fictional. Supervised cards for children depend on the issuing partner offering them.