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THE LEADING HEALTH DATA HUB FOR THE 21ST CENTURY

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Introducing healthbank
your data, your health – own it!

Health is the n°1 source of wellbeing and happiness – and it is the pillar we rely on to lead a fulfilled life. We are getting closer in tracking our own health better day by day.

Just as humankind has entered the digital age, our health has become digitalized too. Health records are increasingly recorded digitally, medical prescriptions are transmitted electronically and tracking one’s personals health and wellbeing has become the new normal.

We act as a game changer in the global health data market by offering providers, users and healthcare professionals a secure and trusted environment for all health-related data – from fitness to medical data; from Electronic to Personal Health Records (PHR) and from eMedications to medical therapy plans, and many more.

THE PROBLEM

On the downside, however, the large amount of personal health data generated and shared freely and insecurely through apps and personal devices, often comes without the necessary protection of this sensitive good.

OUR SOLUTION
PRIVACY YOU CAN BANK ON

healthbank has set out to change this: with its safe, secure and compliant ecosystem, healthbank is on its way to becoming the leading health data hub for the 21st century.

healthbank only cooperates with providers who are compliant to its regulatory framework, which is based on the European GDPR and acts in accordance with the highest legal and ethical standards in data protection eMedications to medical therapy plans, and many more.

OWNED BY THE PEOPLE

CONTROLLED BY THE PEOPLE, SERVING THE PEOPLE

healthbank believes that every person accumulating health-related data must retain full control over it. We as individuals must have access to our data and be able to decide with whom we share it. And, more importantly, data must never be owned by corporations but by the people generating it. This creates trust, which is the necessary underpinning for the ecosystem.

healthbank is established as a cooperative: owned by the people, controlled by the people and serving the people. Cooperatively owned and regulated goods have a long tradition in Switzerland. And healthbank is established within this Swiss tradition: we value trust, neutrality, decentralization and security.

Adhering to these principles, all data will be stored, processed and exchanged only with the explicit and informed consent of the user. User consent is the necessary and non-negotiable precondition for providers to exchange and use data.

GOVERNANCE FOR THE PEOPLE, BY THE PEOPLE

RELYING

ON A TRUSTED ECOSYSTEM

ON THE WAY TO OUR CURRENT POSITION, WE DEFINED PARTNERSHIPS, CREATED VISIBILITY AND REPUTATION. WE WORK TOGETHER WITH:

healthbank provides a trusted and secure health data exchange hub for all kinds of data – from health to fitness as well as personal wellbeing. We raise the bar concerning privacy and data protection – an issue that many players in the field grapple with:

Privacy: Within the healthbank ecosystem, ownership of data stays with the user. Users may share or grant access to their data in return for adequate rewards, if they choose to.
Data Protection: Both – users and providers – need not to worry about safety as their data is stored and protected in line with highest security & encryption standards.

ROADMAP

HEALTHBANK’S DEVELOPMENT IN THE PAST AND FUTURE

We have a successful five-year running track with more than 200’000 users who trust us with their data.We built a highly scalable and most secure platform. We secured 3.2 M CHF in previous funding, closed five B2B projects and in terms of visibility we have currently been part of Health Hub Vienna accelerator program and were selected three times by the Journal of mhealth for the ‘Digital health Global 100’ award.

In the near future, we are planning to rapidly expand our health services ecosystem with health care providers, app developers, pharmaceutical companies and innovative service providers. We will execute our rigid internationalization strategy as we believe that our model of a neutral and independent health data hub is not only a model for Switzerland but will prevail all over the world.

HEALTHBANK ICO

INVEST IN A MARKET-PROVEN BUSINESS

Invest in a market-proven, operational, live & tokenized healthcare ecosystem with user traction and functioning business model

Our goal is ambitious, but our ecosystem is the logical solution to a global challenge – making health data safe, secure and compliant. With our expertise in IT and healthcare, we are creating the leading next-generation health data hub. Our goal is to facilitate the exchange between users, providers and other healthcare professionals and therefore act as a trusted intermediary between different stakeholders.

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. While the global market for digital health is estimated at $7 Trillion per year, we aim at a ROI of 32% within the first four years.

Read the whitepaper

Read our teaser

WHY SECOND GENERATION? UNLIKE MANY ICOS YOU MAY HAVE SEEN IN THE PAST, WE ARE DIFFERENT:

WE ARE A TRUSTED OPEN, NEUTRAL & INDEPENDENT HEALTH DATA ECOSYSTEM. - HEALTHBANK.COOP

WE ARE A COOPERATIVE: OWNED BY THE PEOPLE, CONTROLLED BY THE PEOPLE AND SERVING THE PEOPLE.

WE DO NOT ONLY SEEK FUNDING FOR A CONCEPT BUT A PROVEN BUSINESS MODEL. - HEALTHBANK.ME

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 INCREASE OF YOUR INVESTMENT.

THE TOKEN

OUR HBE TOKEN – YOUR INVESTMENT OPPORTUNITY

The HBE token is used primarily to hold financial equity rights (Anteilsscheine) of healthbank cooperative, which in particular includes dividend rights.

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. 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 crowd-sale (ICO) smart contract to Crypto and Fiat investors, which are fully compliant to certain KYC/AML requirements.

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 HBE token is an ERC20 equity token which represents a share of healthbank cooperative.

Total supply:	4’000’000’000
For Sale	2’200’000’000
Symbol:	HBE
Price:	1 HBE = CHF 0,0143
Funding Target (Hard Cap):	27.6 MCHF
Pre-ICO	September 17th 2018
ICO	February 28th 2019
Accepted currencies:	ETH / CHF

USE OF PROCEEDS

TOKEN ALLOCATION

FAQ

WHAT YOU MAY WANT TO KNOW ABOUT HEALTHBANK

Who is healthbank?

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.

Why the name healthbank?

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.

Why did healthbank choose Switzerland?

How does healthbank work?

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.

What is healthbank’s business model?

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).

How big is the health data market?

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.

What is the advantage for users?

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)

What is the advantage for health care providers (enterprises)?

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.

Who can participate in the healthbank open ecosystem?

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.

What does open ecosystem mean?

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.

What about data protection and data control?

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.

How can I invest and join the journey of healthbank?

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.

What is the healthbank token?

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.

What does ICO of a second generation mean?

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.

What is my benefit/profit?

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.