umit
The Global Healthcare Ecosystem Protocol
A decentralized protocol connecting access, protection, clinical governance, intelligence, and real-world infrastructure into one global healthcare network.
UMIT links patients, clinicians, facilities, and manufacturers through one transparent, interoperable network.
What UMIT Enables
A global healthcare network delivering access, protection, clinical safety, and real-world infrastructure.
Universal access
to care
Digital triage, navigation, and global clinic networks for anyone, anywhere.
Protection without traditional insurance
A transparent, solvency-first protection system anchored in cryptography, not paperwork.
Clinically governed AI
Global clinician guild, safety rules, and AI oversight built into the protocol.
Tokenized infrastructure
Real-world clinics, micro-hospitals, and mobile units as on-chain, auditable healthcare assets.
Built as a Five-Layer Global Healthcare Protocol
Each layer is independently governed but designed to interlock into a unified global healthcare network.
Access Layer
The digital entry point to care.
Global identity, encrypted health vaults, AI triage, navigation, and telemedicine integration.
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Encrypted digital identity and personal health vault.
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AI triage and smart navigation across care options.
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Seamless integration with telemedicine and in-person facilities.
Digital entry point to care.
Universal Health Protection System (UHPS)
Transparent, solvency-first protection.
Deterministic payouts anchored in cryptography rather than paperwork.
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Deterministic payouts based on verified clinical events.
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Cryptographic solvency models replace insurance paperwork.
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No adjusters, no exclusions, no hidden conditions.
Transparent, solvency-first protection.
Clinical Governance Layer
Global Clinician Guild.
Safety rules, provider credentials, and AI oversight governed by licensed medical professionals.
Global clinician-led safety and oversight.
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A global guild of licensed clinicians governs care standards.
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AI models and pathways are vetted for safety and ethics.
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Provider credentialing and clinical quality enforced on-chain.
Intelligence Layer
Predictive, privacy-preserving health intelligence.
Detects risks, outbreaks, and care gaps while keeping data encrypted.
Predictive, privacy-preserving health intelligence.
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Detects risks, outbreaks, and care gaps without exposing data.
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Encrypted pattern recognition for early intervention.
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Allocates resources where they’re needed most.
Real-World Infrastructure
(RWA Layer)
Tokenized clinics, surgical pods, labs, and mobile units. Funding, auditing, and operations occur through verifiable on-chain
Tokenized clinics, labs, and mobile units.
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Facilities funded and audited through verifiable on-chain models.
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Expands micro-hospitals, diagnostics, and surgical pods in high-need regions.
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Performance, quality, and capacity transparently measured.
Bicameral Governance
A governance model designed specifically for healthcare.
Token House
Oversees treasury, infrastructure expansion, and ecosystem parameters under transparent, cryptographic rules.
Clinician Guild
​A global assembly of licensed medical professionals responsible for clinical standards, patient safety, AI oversight, and provider credentialing.
Certain elements—such as clinical safety rules, privacy protections, and token supply—are immutably protected and cannot be overridden.
For full details, read the Governance Document →
A Protection-First, Fixed-Supply Health Economy
No inflation, no emissions—value is created by real healthcare activity and universal health protection.
UMIT runs on a fixed-supply token with no mint authority and no inflationary emissions. The economic design is protection-first: reserves, infrastructure, and solvency are prioritized over speculation, with value flowing from real healthcare activity rather than financial engineering.
Core design principles:
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Fixed supply, no minting – The total UMIT supply is immutable; there are no future emissions or “surprise” inflation.
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Protection-first reserves – A significant portion of the supply backs the Universal Health Protection System (UHPS), insurance-like reserves, and tail-risk buffers.
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Real-world yield – Value accrues from clinics, labs, micro-hospitals, and mobile units actually delivering care—not just token trading.
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Ecosystem, not extraction – Builders, clinicians, and partners are rewarded for adding clinical capacity, protection, and intelligence to the network.
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Value streams:
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Universal Health Protection (UHPS) – Contributions fund on-chain reserves that pay out deterministically when clinically verified events occur (e.g., surgery, hospitalization, major diagnosis).
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Health Infrastructure & RWA – Tokenized clinics, diagnostic centers, surgical pods, and mobile units generate real-world cash flows and capacity, which feed back into reserves and protocol sustainability.
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Intelligence & Routing – Privacy-preserving analytics, triage routing, and optimization services generate fees at the protocol level.
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Developers & Tools – Apps, integrations, and operational tooling built on UMIT pay protocol fees and/or revenue shares.
Protection & Insurance Reserves
On-chain reserves backing UHPS, catastrophic events, and long-tail risk. Designed to protect patients and maintain solvency across cycles.
Health Infrastructure & RWA
Tokenized clinics, diagnostic units, micro-hospitals, surgical pods, and mobile fleets that expand real-world capacity in high-need regions.
Treasury & Governance
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Long-term protocol operations, governance incentives, audits, and strategic initiatives decided by the Token House and guided by clinical constraints.
Ecosystem, Builders & Liquidity
Incentives for developers, early partners, and liquidity providers who help bootstrap usage, integrations, and protocol reach.
View complete token allocation, vesting, and insurance reserve structure the Tokenomics Document →
For full allocation details, reserve mechanics, and UHPS solvency models, read the Tokenomics & UHPS Documents →
UMIT Protocol Roadmap
The plan to build the first decentralized global healthcare ecosystem.
Phase 1 — Foundations (2025)
Build trust and immutability.
Verification, governance, treasury, tokenomics, audits, public sale.
Phase 2 — Digital Access (2026)
Give every human a doorway into care.
Identity, navigation, AI triage, first provider partnerships.
Phase 3 — Coordination Layer (2026)
Coordinate health, not insurance.
UHPS, routing pools, early intervention incentives.
Phase 4 — Infrastructure (2027–2028)
Deploy real-world clinics and hospitals.
Clinics, mobile units, modular hospitals, RWA activation.
Phase 5 — Global Protocol (2029+)
Become the global health infrastructure protocol.
Global identity, standards, AI-coordinated care, network expansion.
Tokenomics
25%
Ecosystem Fund
250,000,000 UMIT
20%
Reserves
200,000,000 UMIT
10%
Strategyc Round & Community Round
1,000,000 UMIT
10%
Public Sale
1,000,000 UMIT
15%
Team & Advisors
1,500,000 UMIT
20%
Public Goods Found
1,500,000 UMIT
Over 3.5 billion people don’t have acces to basic healthcare.
Healthcare is a fundamental human right, yet millions worldwide lack access to essential medical services. The disparity in healthcare access is exacerbated by the inefficiencies and inequalities inherent in current healthcare and medical insurance systems. UMIT is tackling these issues by creating a universal medical insurance token that facilitates the construction of hospitals and the provision of affordable health insurance globally.
Join our mission to fix this!
To make the world healthier
Key Features
A decentralized blockchain token revolutionizing global healthcare by pooling resources to build medical infrastructure, automate insurance via smart contracts, and deliver low-cost, accessible care across borders.
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Universal Basic Healthcare (UBH) Staking with Social Impact
Funds free healthcare for 100 million uninsured via 10% of staking rewards, with stakers earning 5-7% APY plus a 1% bonus. Combines financial returns with social good, using Solana’s scalability for broad impact.
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Decentralized Governance with Community Empowerment
Enables token holders to govern via a tiered DAO with quadratic voting and a user-friendly interface. Rewards active participation, ensuring fair, adaptable decision-making for 500 million insured users.
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Real Asset Tokenization
Tokenizes 5,000 hospitals and 10,000 clinics into a $25 billion RWA portfolio on Solana, offering fractional ownership and $5 billion/year dividends by 2030. Transparent metadata enhances tradability, bridging healthcare infrastructure with DeFi for investors.
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Decentralized Funding with Smart Contract Escrows
Pools $5 billion via ICO and revenue to fund healthcare in LMICs, using smart contract escrows for transparency and efficiency. Eliminates intermediaries and ensures compliance, empowering global contributions with trust.
Why UMIT Outperforms
Real Asset Ownership
$0.0001 to $1—100x-10,000x Growth + 5-7% Staking
Stake for $62.5M - $87.5M yearly rewards—burn $825M to boost value.
Exponential Returns
$25B Portfolio—$5B Dividends by 2030
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Own 5,000 hospitals, 10,000 clinics—$0.50/UMIT at scale
Global Health Impact
500M Insured, 50M Treated—Healthcare Reimagined
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Fix 4.5B uninsured with DePIN and AI—carbon-neutral scale.
We are building the future of Universal Healthcare.
UMIT is a healthtech-insurtech company revolutionizing the worlds broken healthcare system. We are not just an insurer; We are a mobile-first, AI-native health tech company designed to deliver radically personal, seamless, and preventive care. We are building a Comprehensive Healthcare Ecosystem delivering affordable, accessible, and preventive care to millions.
Chief Executive Officer (CEO)
With over 15 years in executive leadership, the CEO drove blockchain initiatives at IBM and scaled a healthcare startup acquired by UnitedHealth Group, showcasing expertise in strategic direction and stakeholder engagement.
Chief Financial Officer (CFO) – Finance Expert
CFA/MBA veteran with 10+ years at Goldman Sachs structuring investments, the CFO also modeled crypto financing at Binance Labs, excelling in financial strategy and innovation.
Health Tech Expert
Healthtech with 7-year innovator at Philips integrating AI and IoT into diagnostics, also led telemedicine advancements at Teladoc Health, mastering health technology deployment.
Project Manager
A PMP with 7+ years at Accenture coordinating complex projects, the Project Manager streamlined blockchain efforts at ConsenSys, excelling in team and timeline management.
Chief Technology Officer (CTO) – Blockchain Expert
Blockchain specialist with 5+ years at Solana Labs, the CTO optimized high-throughput systems using Rust, later refining DeFi platforms at Serum, with deep experience in smart contracts and scalability.
Legal Counsel
JD and 7+ years at DLA Piper navigating international regulations, the Legal Counsel ensured compliance at Anthem, specializing in blockchain and healthcare law.
DeFi Specialist
5+ years at Uniswap building staking protocols, the DeFi Specialist refined NFT markets at OpenSea, bringing expertise in decentralized finance mechanisms.
Marketing Strategist
From healthcare campaigns at Ogilvy to crypto narratives at Coinbase, the Marketing Strategist has a proven track record in building engagement and brand stories.
Chief Medical Officer (CMO) – Healthcare Expert
MD with a decade at Médecins Sans Frontières (MSF) delivering care in LMICs, the CMO later shaped hospital operations at Mayo Clinic, bringing extensive healthcare management experience.
Insurance Expert
Executive with 10+ years at AXA pioneering microinsurance, the Insurance Expert later scaled health plans at Allianz, with a strong background in affordable insurance solutions.
Tokenomics Designer
A 5-year expert at Chainlink modeling token economics, the Tokenomics Designer holds a PhD in crypto economics, with a focus on sustainable digital asset design.
Data Scientist
With 7+ years at Google leveraging AI for insights, the Data Scientist optimized hospital analytics at Partners HealthCare, specializing in data-driven decision-making.
Live Network Metrics
Pilot Interactions
Network TPS
Avg. Confirmation Time
SERVICES
100 US dollars
50 US dollars
200 US dollars
ABOUT UMIT
UMIT is at the forefront of transforming the medical insurance landscape through innovative blockchain technology. Our decentralized funding model and smart contracts ensure global access to efficient and transparent insurance policies. By offering incentive structures for token holders, we aim to reduce costs and improve accessibility for all.
Our mission is to eliminate inefficiencies and enhance transparency in medical insurance. Through UMIT, individuals can secure reliable coverage, benefit from streamlined processes, and contribute to a more inclusive healthcare system. Join us in reshaping the future of medical insurance.
TESTIMONIALS
Satisfied Clients
UMIT has truly revolutionized how I access and manage my medical insurance. The decentralized approach and transparency have made a significant difference in my healthcare journey.
Julia Smith
I am impressed by the efficiency and reliability of UMIT's insurance policies. The incentives for token holders make it a win-win situation for both insurers and policyholders.
Michael Johnson
As a token holder, I appreciate the cost-effective solutions UMIT offers. The platform has brought a new level of trust and accessibility to the medical insurance sector.
Priya Patel
UMIT's commitment to transparency and decentralization is commendable. It has brought a refreshing change to the traditional insurance landscape, providing hope for a more equitable future.