PersonalChemist® | HealthCoin

Transforming $73 Billion in Health Remittances
Into Instant Pharmacy Payments.

Introducing PersonalChemist® – HealthCoin — USD-pegged digital currency built exclusively to fund pharmacy bills.

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Instant pharmacy bill settlement

Powered by PersonalChemist®

The Global Opportunity

$73.07 Bn/yr sent by individuals in 1st world to 3rd world for Pharmacy Payments.

$5 billion is lost yearly to fees, delays, and currency collapse.

Billions possibly diverted to Terrorism.

5–7% traditional remittance fees

High costs that burden families needing healthcare

2–7 day delays

Critical time lost when medicines are needed urgently

No traceability of use

Funds may not reach intended healthcare purposes

0 infrastructure for health-only payments

No dedicated system for healthcare remittances

What Is PersonalChemist® HealthCoin?

A USD-pegged Coin, purpose-built for pharmacy payments.
Created by pharmacists. Backed by treasury reserves. Designed for global families.

Key Benefits

  • Diaspora pays health bills via QR code
  • Pharmacy receives HealthCoin instantly
  • Pharmacy can reuse or redeem for fiat
  • Fully traceable, verified, and secure

How It Works

Pharmacy generates invoice

Diaspora pays using HealthCoin

Patient receives medicines

Pharmacy cashes out or restocks

Includes KYC, QR traceability, spend limits, and vendor whitelisting.

Why Should You Join and Lead This

This isn’t crypto. This is monetary infrastructure for healthcare. You power the first health-only global coin, tap into $73B locked flow, earn from float + transaction fees, and stay fully compliant.

“Be the institution that powers the currency that saves lives — not inflates them.”

Global Impact

Transform healthcare remittances worldwide with ethical financial infrastructure.

Revenue Potential

Access a $73B market with sustainable revenue streams and treasury yield.

Regulatory Compliance

Built by healthcare professionals with compliance at its core.

Who Are We

A team of healthcare professionals and financial innovators building the future of medical payments.

Salman Chishti

Salman Chishti, MRPharmS

ENG, Urdu

Senior UK Retail & Primary Care Pharmacist – 20+ years

Walgreens Boots | Takecare.UK
Rafael Jegundo

Rafael Jegundo

ENG, Portuguese

Scaling Startups 20 years, Masters Business & Physics

WhiteSmith | BlockChain
Dr Sadia Orakzai

Dr Sadia Orakzai, GP. MBBS.

ENG, Pushto

NHS UK Doctor with 15 years of experience.

NHS | Private | Women’s Health

“This isn’t a whitepaper dream. It’s an operator-led solution to a global bottleneck.”

Revenue + Monetisation

  • 1.5% transaction fee on all HealthCoin payments
  • Treasury yield from interest-bearing USD reserves
  • Monthly SaaS platform fees for verified pharmacies
  • Off-ramp conversion fees for wholesalers
  • White-label licensing for NGOs, governments, insurers
💰

Revenue Potential

At just 2% adoption, PersonalChemist processes $1.46 billion annually. With blended fees and treasury yield, this unlocks $22M–$29M/year in gross revenue. Over 5 years, that’s $110M+ in cumulative opportunity — from healthcare, not speculation.

Let’s Talk HealthCoin

Salman Chishti

Salman Chishti

London, United Kingdom

+44 7944 772950
HealthCoin – Road to MVP

Road to MVP – Why We Start in Pakistan

“Pakistan is the ideal launchpad for HealthCoin — massive remittance inflows, millions of patients, and unmatched mobile reach make it the perfect testbed for, health-only payments.”

Population

241 million people — one of the largest developing health markets

Remittances Inbound

$29 billion/year from UK, USA, Middle East — most of it family-funded health expenses

Pharmacies Nationwide

Over 100,000+ registered pharmacies and medical stores

Smartphone Penetration

Over 125 million+ smartphone users — app-ready consumer base

Diaspora Support Base

11+ million Pakistani expatriates globally — high remittance activity

Use Case Readiness

Families already send money for pharmacy and hospital bills weekly

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