Transforming $73 Billion in Health Remittances
Into Instant Pharmacy Payments.
Introducing PersonalChemist® – HealthCoin — USD-pegged digital currency built exclusively to fund pharmacy bills.
Scan to Pay
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
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Diaspora pays health bills via QR code
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Pharmacy receives HealthCoin instantly
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Pharmacy can reuse or redeem for fiat
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Fully traceable, verified, and secure
How It Works
Pharmacy generates invoice
Diaspora pays using HealthCoin
Patient receives medicines
Pharmacy cashes out or restocks
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, MRPharmS
ENG, Urdu
Senior UK Retail & Primary Care Pharmacist – 20+ years
Rafael Jegundo
ENG, Portuguese
Scaling Startups 20 years, Masters Business & Physics
Dr Sadia Orakzai, GP. MBBS.
ENG, Pushto
NHS UK Doctor with 15 years of experience.
“This isn’t a whitepaper dream. It’s an operator-led solution to a global bottleneck.”
Revenue + Monetisation
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1.5% transaction fee on all HealthCoin payments
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Treasury yield from interest-bearing USD reserves
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Monthly SaaS platform fees for verified pharmacies
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Off-ramp conversion fees for wholesalers
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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
London, United Kingdom
Ready to connect directly — no forms, no delays.
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
