healthbank is a Swiss cooperative, founded in 2013 in the digital health sphere, owned by the people, controlled by the people and serving the people.

We aim to become the leading health data hub for the 21st century and act as a game changer in the global health data market by offering providers, users and healthcare professionals a secure environment for all health-related data – from electronic health records via fitness data; from ePrescriptions to medical therapy plans, prevention recommendations and many more.

Just as a traditional bank is an intermediary for the safe and trusted storage and trading of money, healthbank acts as an intermediary for the safe and trusted storage and processing of health data. When it comes to complex markets, private as well as institutional customers need intermediaries with specialized knowledge, market intelligence and specific competencies. Like traditional banks know the money markets, we know the health data markets – in particular when it comes to safety, security and data protection.

Cooperatively owned and well-regulated goods have a long tradition in Switzerland, healthbank is established within this Swiss tradition: we value trust, neutrality, decentralization and security.

We believe that health data ownership & control needs to belong to the user and no one else. Therefore, healthbank became the world’s first people-owned health data exchange platform, providing a trusted, safe and secure ecosystem where users can collect health data from any source and in any format.

Within the healthbank ecosystem, ownership of data stays with the user. No data will ever be onboarded, stored, processed or exchanged without the explicit consent of the user. Providers may ask the users to access their data by offering a good reason, an adequate reward or paybacks to them – but again: user consent is the necessary precondition for the exchange and use of data.

healthbank also provides the highest standard in safety of data as it is stored and protected in line with highest security standards.

healthbank is built upon a B2B2C business model, providing data management services to health care providers (HCP) on behalf of their users.

With HCP business partners providing health services that generate health data of users, like Galenica, we provide data storage, processing and exchange services, for which we charge data licensing fees (user, storage or transaction related fees).

For pharma and research partners searching for health data, we provide a marketplace where these partners can present their need of data and ask users to exchange their data anonymized or pseudonymized for a fair reward, of which healthbank will keep a small percentage (rake fees).

There are different sources that show the size of the global digital health market – all of which are huge.

Following “The Economist” (Vol. 426 N° 9077: “Digital Health (1)- Surgical Intervention”; p. 51ff.), the global estimate would be $7 Trillion. Following the statistics provided in the “Global Digital Health Market Value 2015-2020” on www.statista.com, the digital health market 2020 in the Western world totals at least $ 206 Billion (which combines mHealth as well as eHealth solutions), with a huge increase of mHealth solutions.

We estimate that around 25% of the digital health market is about storing, managing and sharing of health data.

User can access all their health, wellbeing and fitness data from different providers and apps in one single space, healthbank’s data management console and interface. The healthbank ecosystem provides them with a dedicated and customizable cockpit to access, manage and exchange all their data. Furthermore, users need not worry about the safety of their data. All data will be stored, processed and exchanged only with the explicit and informed consent of the user.

With our most recent release of healthbank v.2.0, we built a significantly and internationally scalable solution with the highest security & safety features. With the next funding, we are going to improve our user interface, providing the best and smoothest and enjoyable experience for the user.

Very important user can reuse already stored data for other services. (e.g. medication information can be used for pill reminder, reordering services, interaction checking with other medication, and many other services)

By being part of healthbank’s ecosystem, health care providers (HCP) can offer users a safe, neutral, independent and therefore trusted ecosystem to store their data. This offers a variety of opportunities:

With healthbank’s consent management, HCPs can always make sure that all data stored and processed through healthbank will comply with the highest standards of the European General Data Protection Regulation. Healthbank acts in this context as a “data intermediary” and manages the data on the user’s behalf.

Secondly, HCPs can connect to a whole new crowd of users that entered healthbank’s ecosystem through other HCPs. Thirdly, it is possible to cross-use data of other enterprises who are active in the ecosystem, if the users give their consent to such cross-use.

We welcome all health care providers, innovative health solutions and creative startups from all different health and disease fields to connect their services easily and securely via API’s to our data exchange hub, as long as they share our core philosophy and data privacy concerns.

Our ecosystem won’t be restricted to pure medical services as we believe that also, for example, lifestyle and fitness apps provide great insight into people’s health. On the contrary, we are quite focused on health data and will not focus on non-health related personal wallet data.

healthbank provides an open ecosystem and we believe this is a plus for both – users and enterprises. Open means, that all health care providers would be welcome to connect their services with healthbank. In turn, this also means that we would never prohibit different service or product providers offering the same service on our platform.

We believe that competition in the ecosystem provides benefit for all: the user benefits from the solution that suits him or her best whilst we enable a diverse and innovative ecosystem. Users will be able to seamlessly flow from one health care service provider to another and enjoy the services they prefer. And enterprises can provide their services to customers that they would otherwise hardly get to know.

Using our secure end-to-end encryption, we provide the safest solutions for long-term health-data storage. Due to the consent management as our core functionality on the platform, no health data ever leaves the user’s account without their explicit and well-informed consent.

healthbank’s services are strictly aligned to and compliant with the Swiss and European Data Protection Regulations (GDPR) as we believe that these frameworks offer the very best protection of user rights in managing their data.

If you want to join the journey in further building the leading health data exchange hub of the 21st century, you may consider investing in our ICO in which you acquire share capital of healthbank cooperative via our so-called HBE token.

The HBE token is used primarily to hold equity rights (Anteilsscheine) of healthbank cooperative with dividend right attached and, if the investment amount exceeds a certain limit, additional dividend rights. As a primary return of investment, a token investor receives a regular dividend of platform revenues, which are paid as part of every transaction on the healthbank platform.

The HBE token is implemented as a standard ERC20 token running on the Ethereum blockchain. healthbank issues the tokens via a crowdsale (ICO) smart contract to Crypto and Fiat investors, which are compliant to certain KYC/AML requirements. After the ICO, the HBE tokens will be traded globally on secondary markets (i.e. decentralized exchanges as well as chosen centralized exchanges).

The HBE token is a security token that holds financial equity rights (Anteilsscheine) of healthbank cooperative with dividend rights attached. Financial equity rights have no voting rights per se, unless the investor wishes and qualifies to become also a member according to the Articles of Association of healthbank cooperative. The voting rights of the members are equal, and no member has more than one vote upon each matter submitted to a vote at the General Meeting.

Unlike other ICOs that were based on some questionable utility tokens and pure concepts rather than solid businesses, investors have the opportunity to invest in a market-proven, operational, live & tokenized healthcare ecosystem with user traction and functioning business model.

We have a successful five-year running track more than 200’000 initial users who trust us with their data. We work together with leading partners such as Galenica, Microsoft, B.Braun Medical, EPFL as well as innovative startups such as Sanovation and Thryve.

• We are a cooperative: owned by the people, controlled by the people and serving the people.
• We are an existing trusted, open, neutral & independent health data ecosystem provider.
• We have a well-experienced senior team with expertise in technology, product management, eHealth, clinical research and regulation.
• We do not only seek funding for a concept but for a proven business model.
• We do not issue a simple coin but healthbank cooperative equity as an asset & security token.
• We do not promise astronomical profits but a realistic return on your investment.

Within the area of high-risk investments (please see the disclaimer in our Whitepaper as well as the terms of conditions for the investment), we believe that healthbank is offering a solid outlook.

An investment in healthbank translates into an ethical and sustainable contribution to the growth of the single most important trading hub for health data worldwide.

As a primary return on investment, a token investor will receive a regular dividend of platform profits, which are built on every transaction on the healthbank platform (see also: healthbank business model). This dividend will be rather small within the first two business years but increase over time as profitability of healthbank increases.

After the ICO, the HBE tokens are planned to be traded globally on secondary markets (i.e. decentralized exchanges as well as chosen centralized exchanges). Therefore, the HBE token will follow a market price.

The secondary return on investment, the increase of value of the company, will be reflected in this market prize. We believe that, in particular due to the platform as a service business model, the user growth will substantially influence the company’s value. Financially, we expect a solid growth of our company’s value by a factor of 12 over the next four years.

With this being said, we’re not offering a sky-rocketing and fictional but rather a solid and realistic return on a rather conservative investment within the risk section healthbank operates in.