# ID Account Mapper

### What is it?

Enables mapping of beneficiary IDs with bank account information for use cases such as payment of government-to-person benefits

{% embed url="<https://drive.google.com/file/d/18LJKI3xMtoPKKdj3Ra5hElwuAssajs8T/view?usp=drive_link>" %}
A short explainer on ID Account mapper
{% endembed %}

### Why ID Account Mapper?

{% tabs %}
{% tab title="Capabilities" %}

| Maintains a mapping of an ID and Financial Address                                                                       |
| ------------------------------------------------------------------------------------------------------------------------ |
| User login via any trusted digital ID                                                                                    |
| Self-service portal for update of account information                                                                    |
| Standard APIs to query and update financial address                                                                      |
| One ID mapped to 1 Financial Address                                                                                     |
| Multiple IDs may be added for the same user\*                                                                            |
| Bulk upload by Admin or Financial Service Providers (FSPs) such as banks, or Government Departments after authentication |
| {% endtab %}                                                                                                             |

{% tab title="Benefits" %} <mark style="background-color:purple;">**For the system/ business user:**</mark>

| Each benefits delivery system eliminates the need to collect and store sensitive financial information      |
| ----------------------------------------------------------------------------------------------------------- |
| Minimises leakages due to incorrect information and middlemen                                               |
| Drives new use cases such as salaries, pensions, and scholarships using the same G2P infrastructure         |
| Avoids creating new accounts or fresh KYC processes by utilizing beneficiaries’ existing accounts           |
| Eliminates the need for bilateral agreements with selected bank(s)                                          |
| Reduces the TAT for benefits disbursement by minimizing the time between decision-making and implementation |
| Access to updated and accurate financial information                                                        |
| Reduces failure rates in benefits distribution                                                              |

<mark style="background-color:purple;">**For the citizen:**</mark>

| Empowered to receive benefits in the account of their choice                                         |
| ---------------------------------------------------------------------------------------------------- |
| Eliminates the need to create new financial accounts for each social benefits program                |
| Timely receipt of benefits from eligible schemes                                                     |
| Direct receipt of money without any middleman, and hence no bribery                                  |
| Easier sign up process for social protection programs with no need to re-enter financial information |
| Ability to self-update source account                                                                |
| {% endtab %}                                                                                         |

{% tab title="Value created" %}

| Citizens can lead better lives with support from the govt - higher quality of life |
| ---------------------------------------------------------------------------------- |
| Restores agency to citizens                                                        |
| {% endtab %}                                                                       |
| {% endtabs %}                                                                      |

### What use cases can be powered?

<table data-column-title-hidden data-view="cards"><thead><tr><th>CATEGORY</th><th>USE CASES</th></tr></thead><tbody><tr><td><mark style="color:purple;"><strong>Agriculture</strong></mark></td><td>Direct benefit transfer to farmers for fertiliser subsidies</td></tr><tr><td><mark style="color:blue;"><strong>Healthcare</strong></mark></td><td>Ministry of health sending childbirth allowance for pregnant women</td></tr><tr><td><mark style="color:green;"><strong>Education</strong></mark></td><td>Merit-based tuition fee reimbursement for children from low-income groups</td></tr><tr><td><mark style="color:orange;"><strong>Climate</strong></mark></td><td>Energy subsidies for houses with rooftop solar</td></tr><tr><td><mark style="color:red;"><strong>Social welfare</strong></mark></td><td>Direct benefit transfer for vulnerable sections after a natural disaster</td></tr></tbody></table>

{% hint style="success" %}
For DaaS Cohort 1, **OpenG2P SPAR** is the ID-Account Mapper product made available.
{% endhint %}

### Additional resources:

{% embed url="<https://docs.google.com/presentation/d/1WPdTlNW4hZN5TjTUS3zdla8n-6pnEejTL4wK3TxAUgc/edit?usp=sharing>" %}

### Experience centre:

Coming soon!