I would partner with an existing NGO, one big enough that it has a legal department, and sell them on the idea as a way to free up people by helping individuals

I would partner with an existing NGO, one big enough that it has a legal department, and sell them on the idea as a way to free up people by helping individuals and communities self organize, thus better utilizing funds to actually support refugees. In aggregate, there will always be bad behavior, and you want to protect your personal finances, and the NGO will have domain knowledge that you most likely lack and can tell you how to do better. Don't do it for the money, do it for the feels, and the project on your resume.