Your Social Cards. Enabled.

Managing financial aid programs is crucial for governments and communities. YAPEAL's social cards enable efficient fund disbursement, improved oversight, and tailored support for recipients, ensuring transparency, security, and dignity in public service.

Trusted by

Save up to 25% on administration costs, cut spending misuse by 30%, and boost public trust and satisfaction.

We have collaborated with various stakeholders in the financial aid community and have developed a deep understanding of the key challenges in this highly sensitive field.

Common challenges with existing financial aid systems

Manual cash distribution

Cash-based systems are labor-intensive, prone to errors, and vulnerable to theft or misuse.

Lack of spending oversight

Once funds are distributed, tracking how they are used can be challenging, potentially leading to misuse.

Resource allocation

Administering aid programs requires significant time and effort, diverting resources from other critical services.

Recipient inclusion

Recipients may face barriers to accessing funds securely and using them conveniently.

Your solution: YAPEAL’s Social Cards help to solve these challenges and provide efficiency and dignity

Simplified & efficient administration

  • Automated processes reduce the workload for local authorities, freeing up resources for other essential tasks.
  • Integration with existing systems ensures smooth operation without major overhauls.

Controlled spending

  • Social cards can restrict spending to specific categories (e.g., food, healthcare, housing) or approved merchants, preventing misuse.
  • Spending limits and caps can be tailored to individual or family needs.

Real-time monitoring

  • Government agencies gain real-time visibility into how funds are spent, enabling better reporting and analysis.
  • Insights can guide policy adjustments and improve future program planning.

Secure and transparent fund distribution

  • Social cards allow governments to load funds electronically, reducing reliance on cash.

  • Funds can be distributed automatically at predefined intervals, ensuring timely support for recipients.

Easy onboarding

  • Register recipients in the dashboard and assign individual IBAN.

  • Instant set-up with individual restrictions if needed.

  • Recipients should download and register in the app (request physical card if needed). 

  • Virtual card instant available.

  • Money transfer to the individual IBAN

Peace of mind with our Swiss regulatory framework and highest security standards

FINMA Regulated

YAPEAL holds a fintech license by the Swiss Financial Market Supervisory Authority (FINMA) and is regulated under the Swiss Federal Banking Act. Art. 1b.

Swiss Made

We are certified as a Swiss Made Software, under the ruling of Swiss Federal Institute of Intellectual Property.

SNB Account

YAPEAL keeps your Swiss franc deposits in a segregated account with the Swiss National Bank.

Why YAPEAL’s social cards for governments and communities make a difference

Enhanced control over public funds. Real-time data for accountability and program improvement. Reduced administrative costs and workload.
For governments
For recipients
Secure, convenient access to financial aid. No need for a Swiss bank account. Support tailored to individual needs. A dignified, cashless system that is free of discrimination

Join our 800+ business customers

One month free trial period: Test it thoroughly at no costs, after onboarding. 

Cancel anytime: No cancellation fees, as with our cards, you can cancel within minutes.

Your Social Cards. Enabled.

Interested to learn more?