The SmartCards are embedded with a microchip which contains personal information about the beneficiary as well as a record of their fingerprints for biometric security. The chip has the capacity to store information including the personal details as well as the fingerprints of the beneficiary. The card has various “wallets” which are used for different purposes. One of the wallets is the “Social Grant Wallet”. The wallets can be tailor made into any offering a client may need. The card has over two hundred wallets.