The disclosed technology relates to a multi-functional additive for personal-care and cosmetic product applications, more particularly, a naturally derived multifunctional additive for use in skin-care formulations, which provides steric stabilization of pigment particles and/or emulsion droplets in aqueous compositions, good suspension-stability (i.e., against settling/creaming) of the compositions, and increased utilization of particulate, skin-care benefit agents contained in the compositions.
