A composition containing at least one organic phospholipid capable of forming bilayers in aqueous solution；at least one amphoteric surfactant； and at least one nonionic surfactant present in an amount by weight equal to or greater than the amount of the phospholipid. The invention also relates to a delivery system for water-insoluble ingredients containing the above components, at least one water-insoluble ingredient, and an aqueous phase, wherein the organic phospholipid, amphoteric surfactant, and nonionic surfactant are present in a combined amount sufficient to allow the water-insoluble ingredient to be incorporated into the system. A method of treating keratinous susbstances is also disclosed.
