Capital Guardians is a care management software to securely, conveniently and cost-effectively manage financial payments for individuals in protected care environments. Our service builds on the existing financial infrastructure of banks and businesses to create a real-time payment solution. We deliver a service ideally suited for small and large aged care businesses, and individuals who want the transparency, governance and security without the work load. Businesses can think of Capital Guardians as replacing their accounts receivable requirements and a paperless extension of their billing system. Individuals can think of Capital Guardians as a digital wallet - a single convenient account that manages payments to a restricted number of trusted businesses. We offer three main services: 1) Expense management to individuals in care facilities 2) Homecare software packages for financial management for individuals with government subsidised homecare services 3) Financial intermediary services to government supported disability services (National Disability Insurance Scheme)