Abstract: A system where a payer transmits a first-time enrollment request to a portal, where the first-time enrollment request includes initial identifying information of said first circuit and/or communication circuit. In the system, the portal generates an out-of-band blockchain notification requesting authentication from a recipient. In addition, the recipient receives the out-of-band notification whereby the recipient accepts the funds and initial enrollment is completed through the portal. Furthermore, the portal communicates with a third party for verification and transmits an enrollment confirmation to the recipient. Also, the portal transmits an enrollment confirmation upon the successful/unsuccessful enrollment of the recipient.