Government · Middle East
Infrastructure for a Large-Scale Government Disbursement Programme
A public agency needed auditable, high-volume disbursements to beneficiaries across banks, wallets and mobile money accounts.
Public sector agency (anonymized)
- Beneficiary Reach
- Multi-Rail
- Settlement Cycle
- Same Day
- Audit Trail
- Full
Beneficiary Reach
Settlement Cycle
Audit Trail
Challenge
What needed solving
Beneficiaries held accounts across many different institutions and wallet providers, with no single disbursement channel covering them all.
Every payment run required after-the-fact audit reconstruction across multiple files and partner reports.
Programme volumes were concentrated into short windows, creating sharp load peaks.
Approach
How we sequenced it
Consolidate disbursement instructions into one queue, then route each payment to the beneficiary's preferred rail.
Record every instruction, authorization and settlement event against a single immutable ledger entry.
Design the processing path for burst volumes rather than average throughput.
Solution
What was deployed
Disbursement Orchestration
Bulk instruction intake with validation, routing and retry handling per beneficiary rail.
Beneficiary Accounts
Wallet accounts for beneficiaries without existing bank relationships, on the same ledger as bank-routed payments.
Audit & Settlement
Continuous reconciliation with partner institutions and a complete, replayable record of each disbursement.
Outcome
What changed
- A single programme view replaced per-partner file reconciliation.
- Beneficiaries were reached across bank, wallet and mobile money rails from one instruction set.
- Audit queries were answered from the ledger rather than reconstructed from partner reports.