Winner · Innovation Booster
Sanafin

Pay for verified care, from anywhere.

The payer sets the money aside up front. It is paid out only when an independent check confirms the care worked.

Book a discovery call

Started with metabolic health in Switzerland · 4 signed letters of intent

Demo workspace · example data, not a customer

Type 2 diabetes digital programme

CHF 60,000 of CHF 180,000

  • Month 6 · HbA1c thresholdReleased
  • Month 12 · sustainedHeld
  • Adherence bonusHeld
Illustrative preview with example data.
WinnerSustainable
Digital Finance

Supported by Swiss innovation programmes · Research from ETH Zurich and HSG

  • Innosuisse Initial CoachingCoaching
  • Talent KickProgramme
  • SICProgramme
  • Swiss Finance + Technology AssociationMembership
  • Swiss Healthcare StartupsMembership
A woman at home eating a bowl of fruit with a strawberry on her spoon, photo posed by a model

Why we exist

Give 100 people with type 2 diabetes a diet programme and 46 are in remission a year later. Yet insurance pays for every pill and visit, not for the remission.1

We fight for patients whose best care never gets paid for.

46 of 100 in remission after one year

Money can't tell valuable care from merely billable care.

Whether patients get healthier doesn't change the bill. Everyone pays for that.

  • A pharmacist handing a medicine pack to an older woman at the counter

    Medicines

    CHF 9.7bn

    a year on medicines, with rebates chased afterwards2

  • A woman in a bathrobe standing on a scale at home

    Weight-loss GLP-1

    52%

    stop treatment within a year, and it is tracked by hand3

  • A couple at the kitchen table going through bills with a laptop and calculator

    Basic insurance premiums

    3.2×

    premium rise since 1996, still paid per visit, not per result4

Photos posed by models.

How it works

No result, no payment.

  1. 01

    Payer commits

    A fixed budget, held by a licensed custodian.

  2. 02

    Care is delivered

    Any provider, any treatment. Results are measured as usual.

  3. 03

    Outcome verified

    An independent check compares the result to a target agreed up front.

  4. 04

    Payment released

    Pass: the provider is paid. Miss: the money goes back to the payer.

Teal marble = patient outcomeOrange marble = payment
  1. Outcome verifiedChecked against the agreed target

“If the system cannot say no, its yes is worth nothing. Every buyer in this market has already seen a demo that only ever says yes.”

Dr. Wasu Mekniran, CEO · PhD in healthcare financing, ETH Zurich
Meet the team

The care changes. The contract stays.

One contract template with four fields. No local claims system or bank needed. A payer in Zurich, Riyadh or São Paulo funds the same care in its own currency.

Zurich

Amsterdam

Berlin

Bangkok

Tokyo

Minnesota

Australia

Riyadh

São Paulo

  1. Payer
  2. Pathway
  3. Threshold
  4. Price per verified unit
  • Where we started
  • Our network
  • Illustrative configuration, not a customer

Payers are already writing outcomes into law

  • Germany · 2026

    App prices tied to performance5

  • Switzerland · 2026

    Outcome rebates on medicines6

  • United States · 2026

    Chronic care paid on blood sugar and weight7

Proven first in Swiss metabolic health.

Swiss reimbursement is among Europe's strictest, so we started here.

  • Swiss cantonal hospital

    Diabetes care · signed Jun 2026

  • Swiss digital health company

    Pilot partner

  • University longevity medicine centre

    Validation

  • Preventive health provider

    Validation

Partner names withheld by agreement · letters shared with investors under NDA

Research · ETH Zurich and HSG

One pathway, written once.

Metabolic health first. Every new payer reuses the same contract.

Type 2 diabetes

100 patients · 12 months

1 of 3released
Released
CHF 60,000
Held until verified
CHF 120,000
HbA1c reduction −0.65 ppThreshold met

Paid on verified changes in blood sugar, weight and drug cost.

Illustrative contract. Anything not verified goes back to the payer.

Pilot · one payer, one cohort

  1. Day 0Discovery call
  2. Week 2First verification
  3. Month 6First release
Downside
Capped at the budget
Upside
Share of verified savings

Our target: live in two weeks.

Pricing on the call · NDA on request

Book a discovery call

Why this team

We researched why payers don't pay for outcomes. Then we built Sanafin.

Health economics, medicine and financial engineering from ETH Zurich, HSG and Imperial. 8 publications stand behind the model.

  • Dr. Wasu Mekniran

    CEO

    PhD healthcare financing · ETH Zurich

  • Dr. Susanne Oudbier

    Chief Medical Officer

    MD PhD · HOCH Ostschweiz

  • Anej Rozman

    Quantitative Scientist

    MSc Quant Finance · UZH / ETH

  • Djata Sigam

    Software Engineer

    MSc Maths · Imperial, ETH · 8 yrs fintech

Advisory board

  • Dr. Ajintha Pathmanathan

    Clinical advisor

    • MD, MPH
    • 20+ years of medical leadership across UK, US and Australian systems

  • Niklaus Neddermann

    Financial advisor

    • CEO of a FINMA-licensed asset manager
    • Formerly Julius Bär and the Swiss National Bank

  • Prof. Dr. Thomas Giroux

    Academic advisor

    • Professor for Sustainable Finance, D-MTEC, ETH Zurich

Team and advisors trained and worked at

  • ETH Zurich
  • HSG
  • UZH
  • Imperial College London
  • HOCH
  • Julius Bär
  • Swiss National Bank

For investors

The deck, sent personally.

Pre-seed, built on ETH Zurich and HSG research. Wasu, the CEO, replies within one working day.

What's in the deck

  1. 01Why payers switch to paying for results
  2. 02How evaluation and payment release work
  3. 03Traction, team and the next 24 months

Opens a pre-filled email in your mail app. Wasu, the CEO, replies personally within one working day with a view-only link. No mailing list.

FAQ

The questions each side asks first.

Anything else? Book a discovery call and we'll walk you through it.

How do I trust the measurement?

The check is independent of both the payer and the provider. It scores the result against the Swiss WZW standard for cost-effectiveness, and the method is published. Every verdict comes with an audit record. Either side can re-run it on their own computer.

Who holds the money, and in what currency?

A licensed custody partner holds it, in your own currency. The money leaves only when Sanafin confirms a verified pass. Sanafin never holds funds and is not a bank.

What is the regulatory set-up?

A pilot is a purchase of results, not of services. How the money is held is kept separate from the rules that govern the care itself. Each programme is reviewed with regulatory counsel before it goes live.

How do you prevent gaming or selection bias?

The target, the patient group and the data sources are fixed before anyone enrols. Every value is stamped on entry, and the verdict can be recomputed offline. Change one value later and the stamp no longer matches. Either side can spot that without trusting Sanafin.

Paying for what helps patients, not for what gets billed.

Switzerland first. Then every health system.

Payers and care providers

Scope a pilot in a 25-minute call: one payer, one patient group, one treatment.

Book a discovery call

Reply within one working day · NDA on request

Investors

Investing in healthcare payments or fintech infrastructure?

Request the deck

Sent personally by the CEO · view-only link