YoManE (pronounced Yo-Money ) is the brainchild of Ngena Foundation, created primarily as a means to manage the flow of funds and ensure that they are used to Pay for Purpose®. Technology that enables real-time routing through secure, authenticated transactions between clients, merchants and customers. YoManE is a PCI compliant DSS level 1 approved payment platform, using card and mobile technology application to facilitate a secure end-to-end payment solution. The YoManE process is an ideal addition to any funding risk management processes, perfect for the social development space, to facilitate financial inclusion and equally appropriate in commercial enterprise.