Protect Benefits. Disburse Grants. Monitor Compliance.
BenefitsSafe helps nonprofits manage restricted grant funds and issue virtual debit cards — without beneficiaries losing their SSI, Medi-Cal, or CalFresh benefits.
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Real-time monitoring, alerts, and compliance tracking — every minute of every day
Built to protect beneficiaries and your mission
Threshold MonitoringDaily tracking of SSI, SSDI, Medi-Cal, and CalFresh limits for every beneficiary
Risk ClassificationEvery expense auto-classified LIKELY_SAFE, NEEDS_REVIEW, or BLOCKED before approval
Institutional MemoryStaff turnover never erases compliance knowledge — your system remembers everything
Core features that protect every dollar
Virtual Card Issuance
Issue Visa debit cards with built-in spending controls. Block merchants by category, set spending limits, and enforce curfews — all through one dashboard.
Grant Compliance Engine
Every expense is automatically classified: LIKELY_SAFE, NEEDS_REVIEW, or BLOCKED. Your compliance team sees risk badges before approving a single dollar.
SentinelLayer AI Monitoring
Five autonomous agents monitor your beneficiaries 24/7. Threshold warnings, transaction compliance, and funder reports — generated while your staff sleeps.
Workflow Automation
Connect Gmail, Slack, Google Calendar, and Sheets. When an expense is approved or a threshold is triggered, your team is notified automatically.
One Platform. Every Nonprofit Need.
From grant tracking to card issuance, from compliance monitoring to funder reporting — BenefitsSafe replaces the spreadsheets, paper checks, and manual processes that slow your mission down.
Built for every nonprofit size
Whether you serve 5 beneficiaries or 5,000, BenefitsSafe scales with your mission. Our Community tier is free forever — because protecting beneficiaries isn't a premium feature.
Micro nonprofits run 10 beneficiaries with daily monitoring on the free tier. Growing orgs scale to 500 beneficiaries with full AI monitoring. Enterprise networks get unlimited everything with white-label support.
Deploy in days, not quarters
Most nonprofits are up and running in under a day. Connect your bank, add beneficiaries, issue your first card, and SentinelLayer begins monitoring automatically.
- Connect your bank account via Stripe
- Add beneficiaries and assign grant programs
- Issue virtual cards with one click
- SentinelLayer monitors 24/7 automatically
- Funder reports generate every week
Virtual cards with real controls
Issue Stripe-powered Visa debit cards with merchant category blocking, spending limits, and time-based curfews. Cards are active in seconds and can be frozen or canceled instantly.
- Block merchants by category (MCC)
- Set per-card spending limits and curfews
- Freeze or cancel cards instantly
Restricted funds, tracked to the penny
Track every grant with budget categories, approved vendors, and spending caps. Know exactly how much is allocated, spent, and remaining — in real time.
- Grant-level budget categories
- Approved-vendor enforcement
- Immutable audit ledger
SentinelLayer never sleeps
Five autonomous AI agents run 24/7, monitoring SSI, SSDI, Medi-Cal, and CalFresh thresholds for every beneficiary. If someone approaches a limit, the system alerts their case manager with specific numbers and recommended actions — automatically.
Real-time MCC blocking, 6-hour deep compliance scans, and auto-drafted funder reports. Your staff can leave. Your compliance never does.
Connects to tools your team already uses
Composio workflow automation links BenefitsSafe to Gmail, Slack, Google Calendar, and Sheets. When an expense is approved or a threshold is triggered, your team is notified automatically.
- 13 validated ecosystem flows
- Automated alerts, summaries, and handoffs
Protecting benefits at scale
BenefitsSafe is built for the 1.9 million US nonprofits managing restricted funds for beneficiaries who rely on SSI, SSDI, Medi-Cal, and CalFresh — and autonomous monitoring keeps every dollar compliant, all day every day.
1.9M+
US nonprofits we're built to serve24/7
Autonomous compliance monitoring
Voices from the field
“We used to spend 20 hours a month on grant compliance reports.”
Now they're ready when I log in Monday morning. Every transaction, every category, every beneficiary — already summarized, already compliant, already grouped by funder. We just add narrative and send.
Program DirectorHousing Nonprofit
“BenefitsSafe caught it before we did.”
A beneficiary's family deposited a birthday check that almost pushed her over the SSI resource limit. The Watchdog flagged it with exact numbers and a recommended action. We called her the same day and kept her benefits intact.
Case ManagerDisability Services
What our partners are saying
“We switched from paper checks to virtual cards and cut our disbursement time from 2 weeks to 2 minutes.”
Finance DirectorCommunity Foundation
“The free tier gave us everything we needed to start. When we grew past 10 beneficiaries, upgrading was a no-brainer.”
Executive DirectorMutual Aid Collective
“Our last case manager left with six months of client knowledge. With BenefitsSafe, the system remembers everything.”
Operations ManagerSocial Services Agency
“True Link wanted $600/month for 50 cards. BenefitsSafe gives us 50 cards for $49.”
TreasurerFaith-Based Nonprofit
“We used to spend 20 hours a month on grant compliance reports. Now they're ready when I log in Monday morning.”
Program DirectorHousing Nonprofit
“A beneficiary's family deposited a birthday check that almost pushed her over the SSI limit. BenefitsSafe caught it before we did.”
Case ManagerDisability Services
Pricing that scales with your mission
Community is free forever. See all 5 plans — including free Community and custom Enterprise.
Seed
Up to 50 beneficiaries$49/Per month
For small nonprofits and fiscal sponsors running their first restricted-fund grants.
Start Free TrialCore
Up to 200 beneficiaries$99/Per month
Growing organizations that need compliance automation, virtual cards, and vendor onboarding.
Start Free TrialNetwork
Up to 500 beneficiaries$199/Per month
Larger networks and statewide sponsors managing multi-grant, multi-org compliance.
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From the BenefitsSafe blog
Freely ask us for more information
Our team is ready to walk you through compliance, onboarding, and how BenefitsSafe fits your grant workflow. Whether you're running your first grant or disbursing at scale, we can help.
Ask your questionsHow do I get started with BenefitsSafe?
Create an organization account, invite your team, and set up your first grant. Onboarding typically takes a single session — your first virtual card can be issued the same week.
Can I customize compliance rules for my state?
Federal SSI/SSDI rules are baked in by default. State overlays (Medi-Cal, CalFresh, IHSS, etc.) are available for California today, with additional states rolling out. Custom policy rules can be layered on per-organization.
How does BenefitsSafe protect benefits eligibility?
Every expense runs through our compliance engine before approval — classifying risk against SSI, SSDI, Medicaid, and Medi-Cal rules. Direct-to-vendor payments and merchant-locked virtual cards keep money out of a beneficiary's hands.
Questions nonprofits ask us most
What is BenefitsSafe?
BenefitsSafe is a fintech compliance platform that helps nonprofits manage restricted grant funds and disburse them via virtual debit cards — without beneficiaries losing their government benefits like SSI, Medi-Cal, or CalFresh.
How does BenefitsSafe protect beneficiaries?
Our SentinelLayer AI monitors every beneficiary's financial picture daily across all benefit programs. If someone approaches their SSI asset limit or Medi-Cal income threshold, the system alerts their case manager with specific numbers and recommended actions — automatically.
Is BenefitsSafe a bank?
No. BenefitsSafe is a software platform. Cards are issued by Stripe's FDIC-insured bank partners (Sutton Bank and Evolve Bank & Trust). We never hold, transmit, or control your funds.
How much does it cost?
Our Community tier is free forever with 10 beneficiaries and daily monitoring. Paid plans start at $49/month. Compare that to per-card competitors who charge $12/card/month — at 50 cards, they cost $600/month vs our $49.
How long does setup take?
Most nonprofits are up and running in under a day. Connect your bank account, add beneficiaries, and issue your first virtual card — all from one dashboard.