DELFINA

Engine demo · worked example SG → PH
Pre-launch · simulated
Best held sideways. Rotate your phone, or tap Present.
Institution A · Singapore

Northlight Scholars Fund

Idle

Knows the sponsor. Scholarship programme, Singapore.

Waiting to check the sponsor
DELFINA engine

Reconciles the two

Idle
From ANothing yet
From BNothing yet
The engine runs when an attestation arrives. It sees signed digests only: no documents, no funds.

DELFINA never holds funds, receives ID documents, makes the compliance decision, issues the card, or sits in the payment path.

Institution B · Philippines

Issuer of record

Idle

Knows the recipient and issues the card. [Issuing partner].

Waiting to check the recipient
Step 1 of 8Two institutions, two jurisdictions

Northlight Scholars Fund in Singapore wants a card used in the Philippines. Institution A knows the sponsor. Institution B knows the recipient and can issue. Neither sees the whole picture.

Pre-launch: no signed partners or live transactions yet.Signatures, digests and coverage are computed live in this browser. Institutions, cards, merchants and payments are simulated.A computed result is not regulatory approval; the issuer decides.

About this demo

Built by Delegated Finance, which develops DELFINA; Blanja and Amanah are its first two products. A worked example of delegated spending between Singapore and the Philippines. Institution A (Singapore) knows the sponsor. Institution B (Philippines) knows the recipient and is the issuer of record. DELFINA reconciles what each one attests and reports what is covered and what isn't.

Computed live in your browser

  • Key pairs for each institution, generated when the page opens (ECDSA P-256), and a key registry.
  • Canonical forms (canonical form SG-PH.v1: sorted keys, normalised names and dates).
  • SHA-256 digests of each identity field. ID documents stay with the institution that holds them. Digests of names and dates of birth still count as personal data and would be handled as such.
  • Signature checks, expiry, registry and licence checks, identity matching, coverage and refusals.

Simulated

  • The institutions, their onboarding checks and screening results.
  • The card, the card network, merchants, exchange rate and payments.

In the proposed payment flow, the issuer applies the sponsor's rules and funding is requested during authorisation. Charge or hold timing and settlement depend on the licensed partners. DELFINA is not in the payment path.

What DELFINA never does

  • Hold funds, receive ID documents, make the compliance decision, issue the card, or sit in the payment path.

Stage

Pre-launch. No signed partners or live transactions yet. Patent application filed in Singapore, pending. Organisations and people in this demo are fictional. A computed result is not regulatory approval; the issuer decides.