The process consists of you, the donor, you the benefactor, you the facilitator and the registered agent . The donor would set up an account and make a donation to his own donor fund and have it available for registered benefactors. A registered benefactor is a disadvantaged person who requests for assistance has been assessed by a registered facilitator and approved for funding. The donor could choose the benefactor by assessing the case on its merits, as presented by the facilitator and on the credibility of the facilitator and make the funds available to the benefactor. The facilitator would ensure that the benefactor will fulfil the greed repayment plan so the funds can be used to pay it forward. The account holding the funds would be accessible by the registered agent, which would be an organisation. The donor can view their personal account but cannot access it. They can authorise the agent to transfer the funds to a donor on the merits submitted by the facilitator. The facilitator would not have access to the funds but ensure that the benefactor returns the funds to the account on the agreed terms.