MAPay: 100M healthcare NFTs on Algorand!

Recorded: Jan. 23, 2023 Duration: 1:06:31
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Full Transcription

Mr. Dersh, good afternoon.
How are you, my friend?
Hey, can you hear me?
I can hear you.
Can you hear me?
Yes, I can.
Fantastic.
How's it going, man?
What's up, brother?
It's all going well, except for the very weird weather they were having in southern Brazil
these last few days.
How about you?
Are you in the cold?
Yeah, we're in the cold northeast, just outside of Philadelphia.
It's a beautiful, rainy, cold Monday.
How's that?
That sounds lovely.
You know, it's a very overcast, cold and rainy Monday for me as well.
But hey, this is Brazil and this is summer, so it should not be like that, right?
That is part of the game, I guess.
So how have you been since I last saw you at Decipher a few months ago?
Yeah, yeah, yeah, yeah.
You know, all is good.
I mean, we were really excited about Decipher.
You know, a lot of great people.
You know, tremendous event by the foundation.
And then, you know, we were able to make some major announcements.
So that was, you know, that was pretty good.
And then, yeah, coming, you know, coming into the new year, we're, you know, we're really
excited about, I'll even probably give you a sneak peek on one of our announcements, Fred,
Oh, very nice.
I like that.
And you know the community loves that.
You shouldn't say that.
I know, I know, but I'm going to hold you till the end, so.
All right.
And then, you know, over the holidays, I think, you know, I'm, you know, big Penn State fan.
So we were able to go out to the Rose Bowl with some of the family.
And yeah, it was good.
It was good.
So now we're, you know, we're all locked in, you know, coming into the new year.
You know, really excited about what we're showing in the marketplace.
You know, given, you know, given still the, you know, the deep negativity around, you know,
the whole digital and kind of crypto space.
But I, but I think, you know, we're, we're poised to continue to show folks, you know,
real use cases, real utility, you know, real professional business models and technology.
So, you know, and then we have the, you know, the token launch, which, you know, we'll probably
talk about it in a little bit, but, but yeah, all good, man.
Fantastic.
All right.
Well, I have so many questions for you, Dersh, including obviously, you know, follow-ups
and a lot of stuff that you announced.
You made some, you know, groundbreaking announcements at Decipher that caught everybody by surprise
and everybody's super happy and have been basically talking about it nonstop for the
last, what, two months now almost.
So, yeah, I have lots of questions for you.
But hey, let's get started because there's so much to cover and I know you have a lot to
share as well.
So, you know, just so we can get started, well, I'll go fam, you know, GM, GA, GE, good
morning, good afternoon, good evening to all of you, wherever you are in the world.
Thank you very much for joining us live today for another fantastic conversation that I'm
very much looking forward to with Dersh, the CEO, founder of MAPay, which has recently made
a groundbreaking announcement live at the main stage of Decipher that they have just recently
signed a deal in India to bring 100 million healthcare NFTs to Algorand.
So, obviously, that is a topic of our conversation today along with many other things I'm going
to be asking Dersh.
But community, you know, the rundown of the Twitter spaces will be simple, you know, as
always it is.
So, I'm just going to give you all a brief introduction on Dersh, you know, who he is,
where he comes from.
And, of course, I'll let Dersh do a little pitch of MAPay as well for all of those of
you who still don't know who they are, even though you all should know by now.
Then you're going to jump in right in the conversation.
I have lots of questions planned for Dersh today.
And, of course, as always, we're going to open the floor for community questions towards
the end of the Twitter spaces.
So, you know, if you have any questions or during the conversation, if you can think of
any questions or any follow-ups, you know, it's easy.
Just hit the mic request button and it's going to be a pleasure to bring you to the speaker
board, all right?
So, to get started, just a brief intro on Dersh.
So, Michael Dershom, aka The Dersh, is a seasoned business development entrepreneur who has
assisted multiple ventures and attracted millions of dollars of capital.
He has an outstanding track record in strategic business planning and development, capital and
finance and sourcing, multidisciplinary problem solving, and technology development.
Dersh has a strong technology transfer background from government and university research to private
sector commercialization.
Dersh began his Syrian entrepreneur career over 20 years ago.
His first faraway was as the co-owner of Rx Returns, which grew to become the largest
pharmaceutical returns company in the USA.
He later helped them, he later helped form a niche banking company, which became one of
the fastest growing private companies in New Jersey.
Serving as a founder CEO of PharmaAsset, or PharmaAsset, I don't know, can you correct me,
What is the proper way to pronounce?
PharmaAsset.
PharmaAsset, fantastic, thank you.
An Emory University startup company, successfully raised over $25 million in private active funding
and executed a $30 million research R&D development agreement with DuPont.
The company has subsequently gone public and was acquired for $11 billion.
Dersh has graduated with a BA in economics from Dickinson College and holds an MBA as well.
So, Dersh, I think I hopefully did some, you know, slight justice to your amazing background.
But is there anything that you'd like to add first about your background, anything you want to capitalize on these things that I just mentioned?
And also just, you know, give to the Algo family that is still not aware, you know, who, like, what is MAP?
What are you building?
Yeah, yeah, for sure, Fred.
And thanks for that, you know, that kind introduction.
Now, you know, I think you covered it, you know, you know, one of the, I think one of the things that we look at here at MAP,
so we're a global healthcare fintech company, and what does that mean?
You know, we look at, you know, those crossroads of payments and data, wherever that happens within the greater healthcare and pharma space.
We're looking at both B2B opportunities and B2C opportunities.
And our U.S. headquarters is just outside of Philadelphia.
Our global headquarters is in Hamilton, Bermuda.
So that's who we are.
We wake up every day now, you know, thinking about, you know, all things digital.
We think about digital identity, digital payments, and digital data as it relates to personal health information.
So, and that's, you know, really what drives us.
And the applications and use cases around, you know, either isolated within one of those,
or sometimes, you know, you'll hear me start speaking about the MPs flywheel,
where we're bringing all of that within digital identity, both payers, insurance payers, patients, and providers,
digital payments, whether that happens within a jurisdiction or cross-border,
again, as it relates to healthcare encounters, and then digital data.
How can we finally drive interoperability, you know, in healthcare data,
as well as, you know, provide a platform for the context of your data that isn't locked into,
like, electronic health systems, but things about, you know, that are unique to yourself
that drive the outcomes of your healthcare.
So, yeah, that's how we look at the world, Fred.
Fantastic. And I have a lot of questions about data, right?
And I think this was probably the main topic of our previous discussion, right?
Sometime, I think, in mid-December, where we even had Simon, our head of BI, join us this conversation.
So, we spoke a lot of data, but, you know, since then, I've been thinking a lot about the solutions you're bidding,
which we're going to touch upon in a few minutes.
So, I have a lot of follow-up questions on the data side.
But just so myself and the whole community get an understanding,
can you talk just a little bit about the MAPay team?
Like, you know, how big is the team?
If you can just have, like, some rough numbers on a total headcount,
roughly the size of the tech depth side, is everybody based in the U.S.,
or also have more operational people in Bermuda?
So, anyway, just wanted to get a clearer picture on the composition of the team.
Yeah, yeah. You know, we have a really solid team,
and a team that's worked together in other ventures.
And so, you know, that's important when, you know, when, you know,
you're building into this new frontier, you know, that you have, you know,
trust and confidence in those different team members.
The management team, we have John Parker, JP.
He's our chief managing officer.
He's been around me for years in different ventures.
And, you know, he comes, you know, from the legal background,
banking background, as well as then private equity
and operational around venture-backed startups.
We have Salim.
He's our CFO.
You know, Salim's just, he's just great.
He's one of those guys that now, you know, can straddle, you know,
he grew up in the big four, you know, started his own boutique firm,
has been involved in a number of startups and fundraising.
He has, you know, what I love about Salim is that, you know,
he straddles both, you know, traditional-type finances,
as well as all of this around our token economics,
some of the DeFi models that we're bringing to pharma,
and is able to straddle both of those, which is, you know,
really, really important, whether or not we're talking
with other stakeholders or potential investors.
So that's, you know, you know, again, Salim is just, you know,
he's awesome.
Our head of digital is Mahesh Shan.
Mahesh is, you know, you'll hear me say this about Mahesh all the time.
You know, he's just a rock star as he relates to it.
We've been around each other probably for, I don't know,
eight or nine years, developed some interesting payment apps,
and now, you know, Mahesh has 30, you know,
he has a development community called C Sharp Corner,
where he has 32 million developers across the globe
that, you know, that kind of chat about,
and he was a founder of that, and, you know, it's, you know,
and I think the relationship that Mahesh has now built
with, you know, some of the technology folks
at Algorand Foundation, well, primarily Algorand Inc.,
has just been, you know, has been tremendous,
and I'll maybe touch on that a little bit later.
Our chief of staff, Maria, she makes things,
makes sure that everything, you know,
everything that we say out there, you know,
I call her, you know, our chief, our chief glue officer.
You know, she's, she's just tremendous.
We have, and then we have, you know,
we have boots on the ground in, in Bermuda,
let up on, on site.
Again, great, you know, biz dev guy, account guy,
Kevin Richards.
He was formerly with the Bermuda Development Authority,
and now we're building out our account team
because of the deployments that,
that we're putting in place.
We have now good boots on the ground in Paraguay,
developing in Panama.
We have great, great team making in, in Brazil.
And, of course, India.
I know you'll want to go into that, Fred.
Happy to, you know, talk, talk about Dr. Sabine Kapesi,
who is just, you know, she's just tremendous.
And then, and then our, our tech team,
you know, we have, oh, and then we have Greg up in Boston.
Again, senior strategic guy,
knows healthcare, knows payments, knows digital,
and he, he really brings strategy to us.
We, we just, it brought on a, another,
another tall order, a guy named Rob Metz.
He was the number two guy at Horizon Pharma.
Built that from its early stages,
as, as the new, second guy coming in.
Yeah, we were joking about it last week.
He gets, he gets where we are because,
you know, they started, they started that company.
Their office was Panera, Panera Brad, he said.
And then, you know, on the, on the tech side,
we have about, I guess, about close to 15, 20 people in India
that, you know, are just cranking,
cranking stuff out every day.
And then we have some, you know, some, you know,
off, you know, one-off relationships
with different contractors or providers of different things.
But yeah, that's, that's who we are.
And that's just, you know, that's what we look like, right?
Fantastic.
You put together an A team for this, Dersh.
And there was a few people that I still haven't met.
So, you know, I'm going to hold you accountable afterwards
to connect you to, to the rest of the team
which I still haven't met.
But I have two comments regarding your team.
First one is for Maria.
I'm her number one fan.
She helps me so much.
I appreciate her, you know,
her infinite patience with all my requests.
So Maria, if you're listening to this,
thank you very much, all right?
I'm a huge fan.
And second, I think, you know, from your description,
maybe for one of our upcoming Twitter spaces,
it should bring Salim to the conversation.
I think it would be really nice to ask a few questions.
You know, we've done, you know, with a couple other,
of course, not Algram, but other, but other spaces.
And yeah, happy to bring on Salim, you know,
happy to bring on Mahesh, talk more about, you know,
the tech side, you know, whatever,
whatever you think, you know, your audience.
And, but yeah, we're, you know,
we're pretty, pretty willing to go on
and talk anytime, Fred.
Fantastic.
All right.
We'll make that happen.
So, Dersh, you know, at the Cypher,
this was almost two months ago, right?
I had the pleasure of be sitting,
I think in the second row of your main stage panel
on public sector, you know, meets public blockchain.
And over there, of course,
you made a fantastic announcement,
but I'm going to hold that up for the second part
of my conversation.
But over there, you mentioned that, you know,
maybe the idea, and please correct me
if my understanding is wrong,
but maybe the idea really started, you know,
coming to reality when MPA became basically
the first company to sign a deal with Bermuda
to look at healthcare spending payments,
cross-border payments, settlement,
and all of that, right?
And then from that, like, from that,
from that panel, you also mentioned
that maybe one of the big,
like an even bigger challenge
was basically building a Rails
that is transparent, immutable,
trustworthy for credentialing,
permitting, and licensing of providers, right?
You mentioned, if I'm not mistaken,
that this solution is already live.
So I'm just wondering if you can tell us
a little bit about, you know,
how the whole Bermuda thing came about to be,
what has already happened,
what are the next plans?
You know, just give a general status update
on the Bermuda project
before we move on towards the India project.
Yeah, yeah, yeah, yeah.
Yeah, so if, you know, going back,
and the Bermuda story's, you know,
really critical to our success
and how we're putting this together
and using that as a real microcosm
for, you know, what is possible.
But it goes back before the pandemic.
I had spoken in Bermuda.
It was a conference,
and I was asked to speak about healthcare and pharma,
where I thought blockchain and AI
and some of these things could really go.
So, and after my talk, you know,
this statesman-like gentleman came up to me
and introduced himself as Sir John Swan,
a former premier of Bermuda,
and started telling me about, you know,
he said, Dersh, are there things that you spoke about?
He said, I'm very intrigued.
And then he rattled off some numbers
about Bermuda healthcare and Bermuda itself
and asked if I thought some of the things
would be applicable within the country.
And, and so it was funny.
I, you know, he said, Dersh, if you,
if you come down, I'll, you know,
I'll introduce you to some of the people.
And, and, you know, again,
maybe there's something here.
So as, you know, as an entrepreneur,
I, I had honey, I had honeymooned there.
You know, my wife will kill me
if I don't know this number,
but about 20, well, at that time,
it was about 24 years ago.
And so I thought, you know what,
maybe I'll take a long weekend,
bring, you know, bring the wife down.
And, and that's what we started.
And I started to get introduced to,
you know, ministers of health,
bankers, insurance companies,
doctors, providers, hospital,
the hospital.
And, and, and over the course of about
four or five months, you know,
it, it became very apparent to me
that you had, you had a situation in Bermuda,
not only were they friendly as it related to,
you know, the digital asset licensing
and what Premier BERT was doing,
but also too, that, you know,
we'd be able to
figure out
all this quote unquote stuff
and where we could be impactful
because, you know, it's,
it's a country of,
of less than a hundred thousand people.
They have four insurance companies,
government payer,
you know, handful banks,
but, but they have a, you know,
a regulatory environment,
which is, you know,
really strict and stringent.
So, you know,
I think that that,
that bodes well for us now as well.
So, so it kind of interesting.
So then we, we signed an MOU
before the pandemic
with, with Premier BERT
and the government
to look at healthcare data,
healthcare payments,
like you said, Fred,
cross border as well as within,
you know, the jurisdiction.
But, you know,
and, and I say this all the time,
you know, whenever you're introducing
new technologies
and, and new solution sets,
you know, you,
the, the conundrum is,
you know, who's going to be
the first adopters?
Who's going to be engaged in it?
You know, even,
even in this space,
I mean, you can give somebody,
you know, quote unquote,
crypto wallet,
but if there's, you know,
if there's no utility in it,
what good is it?
And so we didn't,
you know, we didn't set out to,
to, we set out to,
to build a great company
and are utilizing blockchain
digital strategies to,
to do that.
We didn't set out to build
a blockchain based company,
that wasn't our intention.
So I think it's,
especially when we talk about
the token launch,
that's where we're
probably 99% different
than any other launch
that has been done.
But, but back to Bermuda
and this conundrum
in, in, in medical commerce,
medical commerce is,
is a closed ecosystem.
You have payers,
meaning insurers,
government payers,
you have providers,
doctors, pharmacies,
hospitals,
and you have patients.
So who's going to go first,
even though,
with some of our solutions
that we're bringing,
each one of those
would have their own
unique and distinct
value proposition,
if you will.
So one day we're sitting
with the CEO
of the Bermuda Health Council,
still trying to figure out,
how we're going to start
the implementations.
And he said to me,
Ricky said to me,
he's a great guy,
a great thinker in healthcare.
And he said,
another problem that I have
the lack of efficiencies
in credentialing,
licensing,
and permitting of doctors.
and all of a sudden,
and I knew just
my background,
that this is a royal pain
in the neck for everybody,
not only in Bermuda,
in the States,
in nearly every jurisdiction.
and you know me,
how passionate I can be
about this,
and with that,
I about leapt over the table
and gave Ricky a kiss
because I was like,
with that one sentence,
I think we,
we just solved that conundrum
and gave us a,
kind of clarity of vision
going forward
because I knew if we were able
to do that
and we provided that
that would AML,
all the providers,
one third of the ecosystem.
It then provides a vehicle
of efficiencies
and payments
over to insurance
and government payers,
which gives us the two thirds.
and then once we have that,
all those patient populations,
come into play.
we've created now,
once we launched,
we've created this market,
what I call this marketplace
and that's what we were able
to start putting
proof of concept
start deploying this stuff
in Bermuda.
I'll say this to you,
and we can get into the,
the personal health information
but now I got to tell you,
before the pandemic
and when we started,
when we first signed
with Bermuda,
we had some level
of technology.
We were still,
I would say,
by and large,
decks and vision.
But now that we can show it,
it's incredibly,
it's incredibly exciting
because when we can,
when we can show it
to other jurisdictions,
private sector,
public sector,
these ills
and these use cases
that we're bringing forth
are not unique
to Bermuda.
those problems
exist in Brazil,
they exist in the US,
they exist in the UAE,
maybe to some,
some degrees
a little bit of nuancing
here and there.
but these,
these issues are
just systemic
across the entire
healthcare global platform.
we start talking about
access and,
and inequities
and things like that.
it's a really,
it's a really,
kind of powerful
marketplace entry,
but also just,
our folks that are,
that are with us,
investors,
other tech,
everybody's,
I said this
and I don't want
it to sound corny.
It's like,
we have this whole
group of cheerleaders
that keep on saying,
they know that,
that healthcare
and medical commerce
access are just,
it's just totally broken.
Absolutely.
This is fantastic.
There's so much to digest
from what you just mentioned,
but just to put things
into perspective,
do you have any numbers
or estimates to share
on the size of this market
in Bermuda?
if there's any part
of this specific operation
running on Algorand
or will you run on Algorand
just before we move on
to the next topic of India?
what's interesting for us,
we sort of do some modeling,
as it relates to,
even the transactions
in Algorand
and kind of what this,
this synergy,
mutual synergy
between MAPay,
our token,
and Algorand.
it's pretty,
it's pretty easy
for us to model up
healthcare is,
healthcare is different
than any other type
of commerce,
like I said earlier,
that we know,
in Panama,
they did about
$4 billion worth
of healthcare spend
over the last five years,
they'll do,
every year,
they'll do the same amount,
every year going out,
you look at somebody
like the UAE's,
nine and a half billion
to 10 billion,
3 billion,
19 to 20 billion.
why I bring that up,
is because,
as we look to
engage these countries
and both private sector
and public sector
as those transactions
come on to
and the MPA's,
MPA's network,
we have clear
visibility to the past,
that historical precedent
what Panama did
over the last three years,
they'll do it the next three,
give or take.
so what it does for us,
it gives us,
from a projection standpoint,
it gives us,
clear visibility
to the future
adoption rates
over a certain calendar
timeframe.
when we look at that,
and just to put it
in perspective,
the total global spend
on healthcare
is roughly about
10 and a half,
11 trillion dollars.
huge marketplace,
most of the time,
somewhere in the neighborhood
of 12 to 20% of GDP.
so we started,
we did an exercise
and we said,
given the transaction counts
that we see
over the next one year,
three year,
five years,
what would that look like,
side by side
with Algorand today,
and Algorand's doing,
correct me if I'm wrong,
roughly about,
125 million,
daily volume.
And so we look at that
and Salim and I
were talking about it,
did some math,
looked at our transaction counts,
looked at our,
the M-Pays network projections.
we look at
in three years
that again,
given some level of growth
just of Algorand transactions,
but we will be somewhere
roughly 40%
on the low side
to as much as
of transactions
to Algorand.
Is there an ETA
or should I know
the community
is thinking that right now?
I was going to save that
to the end,
but I thought I'd give it
to you early, Fred.
Sounds good.
Thanks to that.
we're going to,
we're going to,
we're going to,
we were just charting that
late last week
and over the weekend.
And so we were,
when you do these things,
you don't know
where the numbers
are going to fall,
You just start,
plugging them into
the Ninja Blender
and see what comes out.
And I mean,
I challenge,
if folks want to,
see some of those things,
how we talk about it
in our white paper.
I don't want to say it's,
it's simple math,
but it's pretty simple math.
All right.
Fantastic.
That's super exciting.
let's jump into the big project,
at the Cypher,
you made that groundbreaking
announcement live,
sitting on the main stage
about the deal
that you had just signed,
for the 100 million
healthcare NFTs in India.
you dropped that bomb,
caught everybody by surprise.
fantastic,
good surprise,
of course,
now the following days,
then there were a lot of PRs
and everything around that.
But I think this is probably
the first time that we get a chance
to truly talk with the community
after that announcement.
So I was just wondering,
what kind of information
can you share
about the project at large?
at least myself,
and I'm assuming
most of the people
in the community
very curious on
basically the entire spectrum
how that opportunity
came to be,
why did it make sense
MPA to do this
and of course,
do this inaugurated
all the way
to contract signing
and of course,
implementation next steps.
Can you share with us
a little bit about that?
I think one of the funniest things,
funny may not be the right word,
but interesting,
when we made that announcement,
I think it was,
it was people,
like you were saying,
people couldn't believe it,
they still can't believe it,
I was joking,
some people thought it was like,
an onion headline or something,
that it was just so,
so crazy that,
especially during,
whatever you want to call it,
crypto winter,
crypto thawing a little bit,
but I think,
we put it on our shoulders too,
as a company and management team,
at the end of the day,
we believe,
cures and,
cures and currency should,
should have no borders.
We believe in data interoperability.
we believe in,
in these types of,
of applications,
like this NFT.
a hundred million in one state in India is,
is just the start.
that's really their proof of concept,
which is incredible.
and so the way we were,
we have a,
a great advisor over there.
She's part of our team now,
Sabine Capassi.
she's just,
she's just total dynamite.
she's a clinician by training and OBGYN.
She's well,
she grew up,
she grew up in India.
she's in India today,
she did her clinical work in the States.
she's also a war MBA.
She has her master's in it from case Western.
She sits on like the policy health committee of,
of I don't know,
like a dozen countries.
Countries.
She consults to the UN on,
on strategies,
even around the vaccine rollout.
she also sits on,
I think it's about six or eight family offices to direct their,
their healthcare and pharma investments.
And she's just,
she's good people.
She's a great thinker and she just gets things done.
And so she knew that,
that the government of India,
was struggling with,
with trying to build these,
these registries of different disease classes.
She knew of us.
We talked about it.
we had extensive meetings with,
with the Hessian team.
we knew that,
some of this baseline that,
that we're developing in,
in Bermuda could then be trans,
transportable into these applications.
and that's how it came about,
came about relatively quick.
And right now we're in the midst of,
doing a total scoping on,
on the project.
So probably the next time we speak,
I'll be able to,
provide some more detail on,
exactly where we are and,
and when we expect to,
bring those first proof of concepts out of there.
right now,
the opportunities within the other states,
as well as the government of India itself,
some of the private sector folks that,
that we're also looking at,
at applications on,
we believe India is,
is a great marketplace for us.
there's also other things that,
that are going on in India,
that we look at and,
there's a study or white paper that came out recently that I read,
with all the migration that's coming from the rural areas into more urban areas in India.
what's the impact of,
of that leave behind from a,
from healthcare access standpoint.
how can we do that given that,
that exodus or that migration.
we start thinking about,
things like,
being able to use web three applications and meta and,
and what that can mean to delivery and access points.
we're going to announce knock on wood.
hopefully we didn't,
probably within the next 30 days,
we're going to announce another huge project with,
with Saudi,
Saudi Arabia,
which might trump the a hundred million NFTs.
That is way too much offer.
You're dropping here today,
Are you positive about all this?
you know me well enough.
I love it,
I love it.
Always dropping offer for the algo fan.
That is fantastic.
I actually have,
I have quite a few follow-ups,
but I know we still have a few topics to cover and I'm already getting a lot of
recall requests from the community to come to the speaker board.
And of course I want to give them the opportunity.
I'm just going to ask you a very quick question on the India project is that,
for the 100 million NFTs,
just what kind of personal data are they going to contain?
And obviously this is all going to be encrypted.
it's not going to be visible to the average user who,
happens to see one of these transactions on chain,
but just what kind of data will be,
encrypted inside each one of these NFTs.
Depending,
depending on the,
the individual,
there's this,
let me lead it to this because I,
I don't want to go too deep into that,
but there's,
there's a certain,
there's certain data sets around certain disease classes that,
that need to be,
put on chain.
and so that's,
that's what we're going to,
that's what we're doing.
And then we're going to take,
that individual NFT holder,
and expand the use case,
similar to,
how we see that,
that data wallet vault in,
in Bermuda.
And then we're going to,
be able to,
when we monetize the data or monetize the data sets,
we'll be able to bring that back into,
into those individual wallets as,
as rewards,
for those that opted in.
it's really,
in my opinion,
it's really democratized,
this whole area is,
is where I start talking about,
where we're democratizing healthcare data.
people are making money on,
on your data,
it's not really a,
it's not really a technology issue.
It's a business issue,
how is it that,
I think we talked about this on the,
on the last,
space with,
with Simon,
how is it that,
people are able to make incredible amount of money on,
on my healthcare data.
And none of that seems to come into,
your wallet or my wallet.
we're going to,
we're going to change that.
we'll have the most robust data set,
and the most efficient way,
of getting data to,
to big data buyers,
clinical trial folks,
that type,
and monetize that data and,
and bring that back to those that,
contributed.
Fantastic,
And is this monetization,
that you talk about,
at length in our last Twitter spaces,
is it tied to the,
the MAPAZ token launch?
If you can talk a little bit about that.
we're very excited right now on the,
on the MAPAZ token launch.
we're in the midst of our private sale.
the private sale is a 70% discount to the public launch.
we're awaiting,
final approval from the Bermuda Monetary Authority.
and then we'll,
then we'll set date certain,
that launch date's probably going to be,
toward the latter part of February,
beginning of March.
we're working with,
exchanges across,
right now trying,
put together our kind of,
our exchange teams,
so that we can coordinate the launch,
with them.
we've already signed with CoinStore,
and Kanga.
we're talking to,
DFX we like,
and a couple of the big ones,
we've been,
we've been having,
conversations with,
with Binance,
we think it's some,
we want to get this launch,
we also have,
a relatively,
new relationship,
although it's kind of rekindled from the last couple of years,
Crosstower,
Crosstower,
which is a,
well-respected,
with other types of,
service offerings around it.
they're actually,
headquartered in,
headquartered in jurisdiction through,
through Bermuda.
the senior management team,
we were on calls late last week,
talking about strategic things that,
that we can do together in,
to move that digital,
digital friendly,
if you will.
anybody who wants to,
take a look at the white paper,
go to mpays,
M P A Y Z dot IO.
Everything's there or shoot,
shoot us a WhatsApp,
our telegram group,
we're pretty active there.
I'd encourage,
you and I've talked about this,
for all of the Algorand community,
to come into our telegram group,
the M P A's community group.
we're posting stuff in there all the time.
we're pretty excited because,
in this whole,
whatever you want to call this,
where we are right now in,
in this whole crypto environment,
if you will,
I think it gives us an opportunity,
for us as,
that have been driving these types of things over the last several years,
that it gives us,
the ability to point to,
to stuff that is real business models,
real business people,
real good technology,
the solutions in healthcare that benefit us,
not only from an individual perspective,
but societal perspective.
anybody who,
who looks at that goes and they see,
kind of these growth rates and,
and see some of these,
these contracts,
that we're signing,
we're about ready to announce,
a huge clinical trial,
digital identity,
probably announce that formally,
within the next couple of weeks.
we're most others,
based their,
their tokenomics on,
on speculation and,
build it and hopefully something will come.
ours is the other way around.
we're building into these use cases that,
that we're settling and,
being able to,
bring the in pace token in,
where it makes sense.
we're excited,
every day when people are coming on to the Telegram group or hitting on LinkedIn or other social media,
just saying,
Dershin team,
just keep going,
Just keep going.
Fantastic,
I thought it was going to be hard to top up that India announcement so quickly,
but it looks like you and the team are nowhere near stopping,
So I guess,
we can already put something in the books for us to chat in a couple of weeks,
cause it looks like we have more announcements to discuss.
And I was just going to say,
it was funny when,
we were up with,
Algorand Inc and senior management team up in Boston,
a couple of weeks ago,
just talking about some of these things.
from a technology standpoint,
their support of us.
you just kind of,
you can't believe it.
And we were,
we were talking because as you know,
the initial Decipher conference is when we announced Bermuda and we had,
talked about what was going to be happening,
in Bermuda,
and so that we announced at Decipher one,
this Decipher,
we announced the hundred million and we were laughing up at Boston like Dersh,
what the heck,
what the hell are you going to announce?
this year's Decipher.
I don't know.
we'll see.
Looking forward to that.
I still have several follow-ups for you,
but I know,
we're going to have,
we're going to keep having the student spaces in a frequent basis because you guys don't stop building.
I want to take some questions from the community.
So I have added both already Eldor and Algonaut.
you were the first to request.
So please,
the floor is yours to ask Dersh a question.
Thank you,
And thank you,
great intro and really impressive team you have assembled.
I have been following you since the Decipher one and obviously Bermuda announcement was great.
it's also great to hear that since then,
but I have counted at least from what,
you mentioned,
you have six countries that you're covering at the moment.
so I have a few questions.
so one would be,
are you exclusively building everything on Algorand rails?
and then on,
if that is the case,
I'm assuming that obviously token will be,
so that would be one question.
Second question.
What is your expectation when it comes to,
NFTs itself?
How frequently they will be updated?
what is your account?
Of expectation pay,
every year,
obviously depending on patient,
how frequently they're going to see a doctor,
but I'm assuming that,
in your calculations,
you have already thought about that.
who is your competition?
in this kind of field of digitalizing data.
So thanks again for your,
for your interest in your question.
So if I get it right,
the first question was about,
about Algorand and what we're building on,
second question was around NFTs and how we see those updated.
the last question was around,
what was your third question?
competition.
See how easily I forget competition.
we are right now,
we are exclusively building,
building on Algorand.
but we also,
we think that,
in the future,
it's going to be imperative that we have,
kind of cross,
cross chain bridges,
if you will,
as well as when we are able to support,
in areas where,
other chains were,
maybe they built something on,
Ethereum and,
and we need to give a,
a bridge over to our,
over to the M-Pays network because,
we see M-Pays as the,
as the de facto for healthcare and,
and pharma applications where they're being driven,
by M-A-Pay or whether they've been driven by other third parties that want to use our rails.
and we're talking to a couple of folks right now that,
we're just saying,
we'll give you on-ramp and off-ramp,
use our highway,
that kind of interstate type of,
we also see,
in our grand,
some of the other chains have it,
but we're,
we're able to set up,
private chains and shared chains.
I think that's going to be an important piece.
a particular health system or,
or pharma company once,
once this particular,
application done in a private chain and,
or it could be,
in some of these things that we're,
that we're,
talking to pharma about around value,
value-based drug pricing and,
and the different,
kind of stakeholders that are going to have to be,
come into play.
we'd look at more like a shared chain.
speaking about the NFTs and we have,
good patent filings around this from,
a few years ago,
we look at it and I,
and I think what you were bringing up is,
that your healthcare data has most,
most NFTs,
static asset,
a piece of real estate,
a piece of art,
a baseball card,
what is it?
name and likeness,
in healthcare,
and that's one of the things that Mahesh and I talked about early on.
And we talk about this on stage all the time,
because when I first brought it up to him,
is that that's,
the basket that we should be using.
he was like,
let us stick to the tech.
You don't understand the NFT,
it's a fixed asset,
and so we kept on driving it.
what we developed was a way that,
that the NFT,
itself can be static,
but then point to on chain and off chain data sources,
that are dynamic and continually updated.
So we use that same strategy,
a con construct,
if you will,
so these NFTs will,
and my personal health information will be,
for instance,
even if I,
my wearable to it,
will be updated on a,
on a real time basis,
depending on that data source and,
and how they're able to,
export that data back in.
so hopefully that answers the question around,
the NFTs and how we see that,
kind of dynamic data and how that flows.
yes and no.
thanks for explanation,
is more kind of,
I'm trying to figure out how often,
ultimately you're going to use Algorand Rails to,
to do that update,
because obviously,
at the name of the game is to have as many transactions as possible.
And I understand you touched up on this already earlier in your
introductions and,
obviously you're expecting a lot of transactions to happen,
on Algorand on back of what you are doing,
which is great.
let's say,
I understand,
this is just a pilot to what you're doing in India and,
1.4 billion people,
the sky's the limit.
the point here is if you,
let's say you,
at one point,
you have 1 billion people on your,
applications,
but if they,
if they're updating monthly,
their records,
that is quite a lot of transactions on Algorand.
that is kind of my question where,
where I was driving it.
I think you're right.
I think those projection counts are right.
but I also think that,
our intention today is,
of course,
especially these,
these NFTs is,
is continue to build them on,
on Algorand.
depending on,
those data,
I guess we would look at the individual,
data elements and,
and make some decisions around,
what's important and,
and how often is the importance of certain data elements?
cause it could be that,
one data element updated,
every year is,
is sufficient where others might be,
we need that on a,
on a really dynamic daily basis.
that answers my question.
I'm assuming this is a question about competition.
and I don't want to sound flipping about this stuff,
I said this,
I don't know if I said it at Decipher,
I've said,
I've said it on other places.
we could actually give some of the major players,
like say in the,
in the healthcare revenue cycle space or healthcare data space or,
pricing space,
we could actually give them our playbook.
And I don't think they could run a play.
that's my belief.
I think we will,
we will see pockets of competition from,
from legacy groups.
I don't really see any,
any real competition in,
in these applications that we're doing today.
but I think I'd be naive to think that,
that we won't see either,
some pockets in,
either from the solution standpoint or pockets and areas from a geographic
standpoint.
but that's also,
when we go into these different geographies,
we're not looking to rip and replace,
we're looking to be more of a,
a confluence with,
with what's going on locally.
So if there's,
some good,
good embedded,
tech folks in a particular geographic area that we can,
that we can lean on.
but we want,
we want these countries or companies that we're working with,
for instance,
when we talk about these applications in Bermuda and,
and the Bermuda health council or the minister of health or,
or the business development agency or the premier himself,
can talk about that and,
that we're building account management and tech development in Bermuda.
And we'll do that in every country that we go to,
we want every,
every Paraguayan to be,
to be proud of,
of this Paraguay,
if you will,
that's not only helping collapse the cost of healthcare,
provide better data,
and access.
and creating,
real economic opportunity for,
folks in Paraguay.
that is great.
And sorry,
if I just may,
maybe final question for me,
I'm assuming due to the fact that you are talking to governments and,
ministers and so on,
this is not kind of a simple application,
which you potentially can white label.
Is that the right way of thinking?
or can you,
effectively just do,
white label for a company in,
in a country,
for whatever reason,
doesn't want to deal with you directly,
but they're happy to use your tech.
we haven't done that yet.
but I think it is,
I think it is possible to do that.
I think the best way I can,
is because like I said earlier,
these situations,
and problems,
if you will,
are not unique to those individual jurisdictions or individual private sector companies.
our philosophy as a management team is if,
if there's good talent,
in a particular pocket and,
and we can leverage that,
just like we're doing in India today.
of course,
we're utilizing that,
that talent over there.
We haven't white labeled it,
but I can,
I can see areas where,
where we would have a,
a good tech team or business team in a particular geographic area where we would,
white label certain solutions.
And sorry,
I actually,
as you were speaking,
I was just,
I had to ask one more question and that's,
what is the,
to protect somebody else,
basically just copying what you are doing?
we have a,
we have a deep intellectual property process,
that we keep on,
utilizing,
our filings,
not only in the U S but also through the PCT.
But then again,
those patents and filings are,
people can infringe them.
I think it really comes down to,
and some of this is,
is really just within the team ourselves.
I built my career in healthcare and pharma.
nearly every aspect of it.
and so it's with that,
that three 60 vision that I think others would have to play.
It's just not,
replicating the tech.
there's art,
art to the marketplace and art to the tech itself on,
on making sure that you can execute on it.
And that's where I would challenge others,
some of the things that we've announced,
we put a little bit more detail around it.
we hold closer to the vest,
some of these things that we're talking to,
Lord pharmaceutical companies around,
price sustainability.
I could give people our deck.
I could give them,
they wouldn't know what the heck I'm talking about.
that is clear.
It ultimately is about your background,
and your team's background.
Thank you so much for taking time to answer my question.
you've got a track record to back you up,
I appreciate that.
I think we have time to take a question from Algonaut,
who has also been waiting.
So Algonaut,
do you have the floor?
I'll try and keep these questions as quick as possible.
congratulations,
Dersh to all the success you've had.
Super exciting.
appreciate you putting on these spaces.
I think there's a lot of excitement to the community.
I just have a few questions around a,
first it's going to be for the MedSpeedia.
I was just wondering if you could give any updates on where MedSpeedia currently is at.
I've kind of been doing a little bit of research on them,
trying to figure out,
what sort of success you've had in the space.
I know I've,
I found a PR release,
I think from you guys back in 2020,
talking about,
hoping to do around 11 billion in transactions and something like 500 million in revenue.
So I just wonder if there's any updates in regards to that and how that might play into the M-PACE token and as well as what Algorand will have to do.
If anything with that,
kind of another half question or maybe a request in regards to that is I did notice that MedSpeedia also, they accept Bitcoin and Ethereum.
So an iconic question will be when Algo.
And then for my last question too,
is there any timeline?
I'm sorry if I missed it at the beginning of this talk,
but is there any timeline for these NFTs to go live on Algorand?
Thank you so much.
Thanks again for your interest in,
some of the research that you did around,
let's see.
the update there,
we had a pandemic in between us when we,
when we announced that and,
the pandemic when it comes to,
healthcare transactions and bringing those together,
it was a tough time for us as a,
as a business and just,
kind of getting,
getting through that.
So the update on MedSpeedia now,
MedSpeedia is the,
the patient facing brand,
if you will.
And so that's the brand that we will launch under,
the personal health information for,
for Bermuda.
we're going to use that as also the,
if you will,
we have a whole service stack on MedSpeedia around,
we look at it from a communication standpoint,
a financial standpoint,
and a clinical standpoint of somebody's healthcare and,
and how that,
how that engagement happens.
And then the service levels that,
that happen on that.
We have the,
we have the MedSpeedia itself now in the States where people are making
but we have a,
it's going,
our launch plan on that is probably,
a full service launch is probably second quarter of this year.
Somewhere around that.
we're focused on getting this,
getting this token launched and,
some of these other kind of larger type applications as,
as we bring that quote unquote MedSpeedia brand to the market.
The M-Pace token,
that will also feed back into your MedSpeedia,
your MedSpeedia wallet,
whether that be in,
in fiat or,
or crypto.
Your MedSpeedia wallet will also be linked to things like HSA accounts and other types of stored value.
and the M-Pace token will,
will be used as reward mechanisms,
to those MedSpeedia wallets.
the NFT project,
does that answer your question there?
I appreciate it.
you got it.
we think MedSpeedia is a cool brand and,
but anyway,
on the NFTs,
I think I mentioned earlier,
we'll know probably better within the next,
I would say two to four weeks when,
and we'll probably put out an announcement on that just to keep everyone aware,
whether it's a,
a regular press release or whether it's,
within the communities or give it to Fred to show to the community that says,
we expect,
the first,
POCs in India around this NFTs,
by this end of the second quarter,
beginning of the third quarter,
beginning of the fourth quarter,
it's too early for me to tell,
and the Hessian team to say,
this is when we think we can,
at least tell the community that,
the POCs are coming,
it's not something that,
we're holding back or anything.
We just need,
better lineup site into it.
And we're working on that.
I would say within,
within two to four weeks,
we'll probably give some,
some direction on that.
Looking forward to it.
I appreciate all the answers.
Fantastic.
Thank you,
And thank you all going to ask for the very thoughtful questions.
Truly appreciate it.
our conversations always fly by,
it's already been over an hour and,
it's about time we wrap up.
I just want to ask you one last thing is that if there's anything that you want to cover that we didn't discuss today,
any news announcements,
for us to look forward to that you want to share with the community before we wrap up.
what should I throw you,
Let me see.
we're talking to some folks now within the veteran community,
the health,
the overall health of,
of the veteran and in the U S and,
and how we might be impactful in those areas,
not only in,
in access,
what does our,
this NFT construct look for,
with that set are in and out of the,
the veteran healthcare system,
as well as private sector and how that can be pulled together.
so not ready to announce anything publicly yet,
these things,
when we look at projects like that,
not always,
of course,
a good piece of business for us,
but we're also being impactful to,
especially,
that type of,
of cohort,
if you will,
or patient population that,
if we can be in it,
if we can help in our way,
those veterans,
it makes us,
wake up a little bit early every day.
Absolutely.
And that's a beautiful mandate,
I just love how,
casual you are about all these amazing projects and leads and prospects I'm working on.
I already know that I'm going to have to host you again in a couple of weeks or maybe a month,
So we can discuss the upcoming stuff.
once again,
thank you very much.
truly appreciate you taking the time to talk to me in the community.
I know we,
we all know your,
your agenda,
your schedule,
extremely busy,
by just doing all this amazing business development that you and the team were doing.
So once again,
I truly appreciate you taking the time,
just to connect with our community,
share the news,
take some questions,
clear some things that,
clear some misconceptions and doubts.
thank you very much.
I truly appreciate it.
And I'm very much looking forward to our next conversation already.
And like I said,
thank you,
and encourage all your,
all you folks,
hit our telegram group,
go on top of us,
what we're saying out on other social media.
if anybody wants to reach to me directly,
if anybody wants to reach to me directly,
you can hit me at,
at MAPay.com.
happy to answer any questions and any,
anybody who needs more information on our private sale,
hit me or,
hit the site and somebody will follow up with you.
Fantastic,
Thank you very much.
Thank you,
Once again,
please tell Maria that I'm her number one fan,
Because I know I'm going to bug her in a few days already again.
thank you very much.
Looking forward to the next chat,
all right?
Have a good one.
All right,
All right,
Have a great week.
Thank you,
thank you very much for joining in today,
both live here in this conversation with Dersh,
of course,
catching the recording afterwards as many of you do.
this was an exciting conversation.
I'm already very much looking forward to the next part,
the next session of this meetup with Dersh.
in the meantime,
make sure to follow Dersh,
make sure to follow MAPay on socials to stay in the loop of everything they're building.
And I'll see you soon.
Have a great week.