Abstract: Systems, devices and methods may provide for facilitating a direct fund transfer from an aid organization to a service provider. The system may maintain an aid organization account associated with the aid organization, maintain a beneficiary account associated with each beneficiary enrolled with the aid organization, and maintain a service provider account associated with each service provider. Each beneficiary account may be configured as a virtual stored-value account for storing value corresponding to funds from the aid organization. The system may also receive transaction data corresponding to a transaction between a beneficiary and a service provider including identifier information, debit a value corresponding to the transaction amount from the beneficiary account that is mapped to a beneficiary identifier, and transfer funds corresponding to the transaction amount from the aid organization account directly to a service provider account that is mapped to a service provider identifier.