Bicowhite® Complex is a natural origin delivery system that has targeted delivery of 5 different whitening ingredients to specific skin layers where each ingredient is most effective. The 5 whitening ingredients each play a different role in de-pigmentation processes and preventing the formation of dark spots. The delivery system is composed of two lipid assemblies: internal smart discs that carry the actives and an external lipid vesicle enclosing the discs, thereby double encapsulating the active ingredients. The vesicle delivers the smart discs to the skin, which then pass through the narrow intercellular spaces of the Stratum Corneum and reach the targeted skin layer. Smart discs are designed to reach specific skin layers where the active ingredient needs to be by tailoring the affinity of the smart discs with the environment of the target skin layers.