Ignite Futures Fund — Disbursement Platform

Ignite Futures Fund — Disbursement Platform should serve enrolled IFF Accelerate Track participants, including minors who require guardian approval before investment-fund requests within 125 young people in Colorado (ages ~15–24), each holding a $20,000 invested seed account. Applicants must satisfy program participation and completion requirements — financial-education courses, gatherings, and surveys — rather than income, with eligibility provided by Impact Charitable. Route edge cases involving informal housing, variable earnings, or unclear residency to manual review rather than auto-denial. Reference program patterns: Unify Benefit Program Corpus, Seattle Relief Fund (2021).

Start with a short intake screen that confirms geography, household type, and likely fit. Then collect applicant identity, household composition, service address, preferred language, hardship narrative, and requested assistance details. Include follow-up questions for zero income, multiple caregivers, non-custodial households, or third-party payees. Add a final attestation covering truthfulness, duplicate application restrictions, and consent to data review.

Two-layer identity verification on every request: government-issued photo ID (authenticity checked via Plaid) plus a live selfie match and enrollment cross-reference. Per-use documentation: enrollment or tuition records for education; purchase agreements for homeownership; approved business plans and registered-LLC bank statements for entrepreneurship; IRA or brokerage statements in the participant's name for retirement.

## Trigger Send after final approval. ## Subject Line Your Ignite Futures Fund — Disbursement Platform application was approved ## Message Body Hello [Applicant First Name], Your application for Ignite Futures Fund — Disbursement Platform was approved. Your benefit details are [Benefit Summary], and the next step should happen by [Timing]. ## Required Placeholders - [Applicant First Name] - [Benefit Summary] - [Timing] - [Support Contact]

## Trigger Send after a final denial decision. ## Subject Line Update on your Ignite Futures Fund — Disbursement Platform application ## Message Body Hello [Applicant First Name], We reviewed your application for Ignite Futures Fund — Disbursement Platform, and it was not approved at this time because [Unmet Rule]. ## Required Placeholders - [Applicant First Name] - [Unmet Rule] - [Appeal or Reconsideration Step] - [Support Contact]

## Trigger Send when required information is still missing. ## Subject Line We need more information for your Ignite Futures Fund — Disbursement Platform application ## Message Body Hello [Applicant First Name], Please send the following items by [Submission Deadline]: - [Missing Item 1] - [Missing Item 2] ## Required Placeholders - [Applicant First Name] - [Submission Deadline] - [Missing Item 1] - [Missing Item 2]

## Trigger Send before the current benefit ends. ## Subject Line It is time to renew your Ignite Futures Fund — Disbursement Platform benefit ## Message Body Hello [Applicant First Name], Your current benefit period ends on [Benefit End Date]. Submit your renewal by [Renewal Deadline] to avoid a gap. ## Required Placeholders - [Applicant First Name] - [Benefit End Date] - [Renewal Deadline]

## Trigger Send after waitlist placement or status review. ## Subject Line Update on your Ignite Futures Fund — Disbursement Platform application status ## Message Body Hello [Applicant First Name], Your application is still active on the waitlist. No action is needed right now unless we contact you for an update. ## Required Placeholders - [Applicant First Name] - [Next Status Trigger] - [Support Contact]

- Approval SMS: "[Applicant First Name], your Ignite Futures Fund — Disbursement Platform application was approved. Check your email or portal for next steps." - Missing Information SMS: "[Applicant First Name], we need more information for your Ignite Futures Fund — Disbursement Platform application by [Submission Deadline]." - Waitlist Update SMS: "[Applicant First Name], your Ignite Futures Fund — Disbursement Platform application remains active on the waitlist. No action is needed right now." - Renewal Reminder SMS: "[Applicant First Name], renew your Ignite Futures Fund — Disbursement Platform benefit by [Renewal Deadline] to avoid a gap."

Weekly cycle: Monday cutoff, Tuesday batch review and approval, Wednesday fund request from the investment manager, Thursday/Friday card loading and disbursement. Account balances update monthly outside the weekly cycle during Phase 1 and weekly during Phase 2.

Ignite Futures Fund — Disbursement Platform provides two disbursement types: unrestricted flexible funds via prepaid card (capped at $500 per withdrawal and $1,000 lifetime) and restricted investment funds for education, homeownership, entrepreneurship, or retirement. Use concise copy that explains who qualifies, what the program covers, how long review takes, and what documents applicants should gather before they start.

Maintain a complete, auditable account-balance ledger across investment Phase 1 (CDs and money-market accounts, Sep–Dec 2026) and Phase 2 (market-linked portfolios, 2027–2030). Provide a mobile-first multilingual participant portal, a read-only parent/guardian portal for under-18 participants, and an administrator portal for the Impact Charitable team. Route flagged content and failed verification to human review.

Two-layer identity verification, automated keyword screening on narrative descriptions, benefits-sensitive account flagging, coercion safeguards including a confidential navigator reporting path, lifetime caps enforced with case-by-case admin override, and a full audit log of every action with timestamp and admin ID.