The Tokenized Healthcare Ecosystem for Direct-Pay Care
Aurkei replaces insurance claims friction, billing delays, and premium inflation with pre-funded employer smart contracts and USD-backed health tokens. Transparent prices. Direct payment. Privacy by design.
Built for the whole healthcare triad
For Employers
Allocate a fixed, pre-funded healthcare budget in AHT. Predictable spend, no renewals, and no access to employees' protected health information.
For Providers
Get paid directly when the bill is paid. No claims denials, prior authorizations, or clawbacks, with funds credited to your Aurkei wallet.
For Employees & Patients
Browse transparent cash prices, book care, and pay with a simple QR scan. Your funds are for healthcare, and your records stay private.
The Four Step AHT Payment Flow
Employer funds the smart contract
The employer deposits a healthcare budget in US dollars. It is converted 1:1 into AHT stablecoin and allocated to an institution-specific smart contract for employees.
Employee selects a provider
Employees log in to the Aurkei app, compare providers by service, location, and price, and book. Eligibility is verified off-chain using verifiable credentials, without revealing any diagnosis.
Scan the QR at the point of care
The employee scans the provider's QR code. Funds move from the smart contract to the provider's wallet, with zero-knowledge proofs keeping the employee and provider unlinked on-chain.
Provider off-ramps to USD
Providers withdraw AHT to their bank account through Bridge (by Stripe) over ACH or bank transfer. Fiat withdrawals currently include an administrative review step.
Control healthcare costs with fixed monthly allocations
Roughly 2.5 million U.S. small businesses don't offer health insurance. Aurkei gives them an affordable, pre-funded, fee-for-service benefit that works alongside existing coverage or in place of none.
- Predictable budget. You set the amount per employee and period; funds stay in the smart contract until a qualifying payment.
- Potential tax advantages. Contributions may be deductible as business expenses, and eligible small employers may qualify for the ACA Small Business Health Care Tax Credit.*
- No PHI liability. Dashboards show aggregate funding and usage only: never provider identity, diagnosis, or treatment.
- Less administration. Employees are added by email. No TPAs, claims reconciliation, or reimbursement cycles.
| Dimension | Traditional group plan | HSA / HDHP | Aurkei AHT marketplace |
|---|---|---|---|
| Cost predictability | Annual premium increases | High deductible burden on employees | Fixed employer budget |
| Admin friction | Carriers, TPAs, renewals | Custodian account management | Platform-managed smart contracts |
| PHI exposure | Through carrier billing and audits | Receipt verification | Aggregate reporting only |
| Employee choice | Network restrictions | Any provider, high out-of-pocket | Marketplace of transparent cash prices |
*Aurkei is add-on support, not a replacement for insurance. Tax treatment varies; consult your tax advisor.
Direct-pay revenue without the complexity
Direct settlement
AHT is credited to your wallet when the patient pays, with no insurance adjudication cycle.
No denials or clawbacks
Skip eligibility checks, prior authorizations, billing-code appeals, and post-audit recoupments.
Bank off-ramp
Convert AHT to USD and deposit to your practice account through Bridge (by Stripe).
Transparent provider terms (standard LOI)
| Fee | Aurkei | Zocdoc benchmark | Digital ads |
|---|---|---|---|
| Per completed booking | $20.00 | $35 – $110+ | Untracked click risk |
| Cost per listing click | $1.00 | Flat subscription | $3.50 – $8.00+ |
| Listing | $99/mo, 6 months free with LOI | $300 – $1,000+/mo | $1,000 – $3,000+/mo |
| Transaction fee | 1.0% AHT settlement | Card fees 3–4% | Card fees 3–4% |
Terms shown per the standard Provider Letter of Intent; benchmarks are approximate market ranges.
Mission-driven care, sustainably funded
- Reduce uncompensated care. Pre-funded smart contracts mean payment at the point of care instead of self-pay write-offs.
- Targeted grant pools. Foundations and sponsors can fund dedicated AHT pools for specific needs such as maternal health, diabetes, or dental care, with clear impact reporting.
- Streamlined eligibility. Verifiable credentials can support income-tier checks without paper audits.
Your health funds, your choice of care
Whether your employer funds your wallet or you buy AHT yourself, you can discover providers, see prices up front, and pay without reimbursement paperwork.
Discover
Filter by specialty, location, price, and availability. See costs against your balance.
Book & pay
Reserve a slot and scan the provider's QR code at your visit.
Stay private
Your employer sees that funds were used, never where or why.
Hybrid architecture, privacy by design
Aurkei Health Token (AHT)
A USD-pegged stablecoin, 1:1, reserved for healthcare payments within the marketplace. Only authorized providers redeem for USD.
AurKoin
A fixed-supply utility token for planned provider incentives and marketplace features, separate from AHT.
Identity & privacy
Web2 login for access, W3C verifiable credentials for eligibility, and zero-knowledge proofs for smart contract fund movement.
Security
Encryption in transit and at rest, role-based access, JWT-secured APIs, audit logging, monitoring, and routine penetration testing.
Aurkei is applying to regulatory sandboxes (Arizona, Utah, Wyoming; in progress). Features such as the full fiat integration and automated settlement are on the roadmap. Aurkei is designed to support HIPAA-aligned privacy requirements.
Healthcare expertise meets technology
Dr. Sapna Ravula
Double board-certified physician executive in family and lifestyle medicine, 15+ years in global healthcare.
Trang Flores
25+ years in healthcare across sales, strategy, technology, and operations, with successful exits.
Gary Arnett
20+ years in financial planning and analysis across small to large funding environments.
Michael Pue
20+ years of experience in strategy, scale, and enterprise growth.
Matt Kerrigan
Amy Sikes
Ready to simplify healthcare payments?
Tell us whether you're an employer, provider, or community health center, and we'll set up a walkthrough.
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