We propose a novel payment mechanism for use by victims of large-scale conflict or natural disasters to conduct critical economic transactions and rebuild damaged infrastructure in the absence of both cash and traditional electronic payment mechanisms linked to bank accounts, such as debit cards or wire transfers. Claimants shall receive electronic tokens that can be used to pay registered businesses, such as purveyors of food and other basic goods, providers of essential services, and contractors to carry out construction tasks. The system shall be based upon the scalable architecture for retail payments described in our earlier work, which provides both strong privacy for consumers and strong compliance enforcement for recipients of funds. The system shall be designed to achieve three main objectives. First, tokens issued to claimants would be held directly by the claimants themselves, not via intermediaries, to avoid the risk of failure or subversion of asset custodians. Second, transactions shall not be traceable to the identity of the claimants, thus mitigating the risk that claimants can be pressured by service providers or other parties to reveal information that can be used to exploit them. Third, businesses and service providers that receive tokens shall be subject to rigorous compliance procedures upon redemption for cash or bank deposits, thus ensuring that only legitimate businesses or service providers can receive value from tokens, that token transfers will embed the identities of any recipients beyond the initial claimant, and that tax obligations shall be met at the time of redemption.

翻译：我们提出一种新型支付机制，供大规模冲突或自然灾害受害者使用，以便在缺乏现金及与银行账户关联的传统电子支付工具（如借记卡或电汇）的情况下，进行关键经济交易并重建受损基础设施。受助人将获得电子代币，可用于向注册商户（如食品及基本物资供应商、基本服务提供商、承担建设任务的承包商）支付费用。该系统基于我们先前工作中描述的可扩展零售支付架构，既能保障消费者的强隐私性，又能实现资金接收方的强合规性监管。系统设计旨在达成三个主要目标：第一，发放给受助人的代币应由受助人直接持有，而非通过中介机构，从而避免资产托管方出现失败或遭破坏的风险；第二，交易不可追溯至受助人身份，从而降低受助人遭服务提供商或其他方施压泄露可被利用信息的风险；第三，接收代币的商户及服务提供商在兑换现金或银行存款时，须接受严格合规审查程序，确保只有合法商户或服务提供商能从代币中获取价值，代币转账将嵌入初始受助人之外所有接收方的身份信息，且税务义务须在兑换时履行。