The payment automation for value-based care

Turn Digital Health
value into revenue

Sanafin is the real-time settlement engine for value-based digital health, transforming lagging reimbursement cycles into instant, auditable revenue.

Build outcome contracts for:

Verify early detection and diagnostic accuracy.

For digital screening and diagnostic platforms. Sanafin structures performance-based contracts that reward high diagnostic accuracy, sensitivity thresholds, and timely risk-detection.

Get early access

TOP INCUBATORS SUPPORT SANAFIN

How it works

Capture. Verify. Pay.

Capture Value

Connect clinical data from labs, EHRs, and devices into a real-time value layer.

Prove Impact

Automatically verify whether agreed health value is achieved.

Get Paid Automatically

Trigger automated payments the moment verified value is reached.

Value-based care is the future. Don’t settle it in the past. Run your payer contracts on auto-pilot with Sanafin.

Problem

Why value-based care does not scale today

Healthcare agrees on rewarding value. The challenge is execution.

We reject manual proof

Contracts should not rely on spreadsheets, manual audits, and fragmented data that drive clinician burnout.

We reject unclear risk

Contracts must have clear success criteria, without penalizing clinicians for factors outside their control.

We reject disconnected workflows

Clinical data, value measurement, and payments should not live in disconnected systems.

We reject delayed value

Value created by patient outcomes should be rewarded instantly, not delayed by administrative cycles.

Sanafin verifies clinical outcomes and automates payer settlement into one trusted workflow.

Use Cases

Launch value-based care programs in days, not months

Sanafin Value Studio designs, simulates, and deploys value-based contracts without custom development or manual spreadsheets.

Weight Management

Active Cycle: 12 weeks • 800 patients on GLP-1 therapy

Escrow Balance LockedCHF 120,000

ACTIVE SECURE

01 / Define Targets

Weight Loss Target≥ 7%

12 weeks duration

GLP-1 Adherence≥ 85%

Weekly compliance logs

Cost ReductionSustained

Therapy spend cut

02 / Connect Evidence

Smart Scales
Telemetry weight logs
Daily Sync
Adherence tracker
GLP-1 tracker sync
Weekly
Telehealth platform
Clinician consult logs
Real-time

03 / Automate Settlement

Week 6: 4% weight loss verified
CHF 30,000
automated payout
Week 12: 7% weight loss & adherence
CHF 60,000
automated payout
Adherence cost reduction bonus
CHF 30,000
automated payout

Verified Integrations

800 patients enrolled

Scale & medication APIs connected

Telemetry verification active

Payout triggers enabled

Why Sanafin

Why digital health providers choose Sanafin

Automated Verification

Verify outcomes automatically via direct telemetry from devices and apps. No spreadsheets or audits.

Margin Protection

Secure provider margins with objective biometric success criteria and fair health-value rewards.

Instant Cash Flow

Trigger programmatic payouts the moment clinical targets are met. Outcomes become revenue in real time.

Methodology

Powered by the EDEN Framework

EDEN is the open-source specification for outcomes-based health contracts. Developed in collaboration with ETH Zurich and the University of St. Gallen, it translates clinical endpoints and time horizons into code-executable payment schedules.

ETH ZurichUniversity of St. Gallen (HSG)Center for Digital Health Interventions

01 / Verification// TIME-TO-EVIDENCE

Report

Verify outcomes programmatically without manual administrative overhead. Telemetry data feeds, lab interfaces, and clinical records are ingested and validated automatically.

Evidence Router v1.0VERIFIED

// FHIR Observation Payload

{ "resourceType": "Observation", "status": "final", "code": { "text": "HbA1c" }, "valueQuantity": { "value": 5.8, "unit": "%" }, "verifiedBy": "HL7_GATEWAY_ZH" }

DATA SOURCE: HL7 FHIR API

VERIFICATION: SECURE GATEWAY

Verification Parameters

RWE Source

HL7 FHIR & Smart Scale API

Validation Rule

Outcome targets verified

Verification

PASSED (100% automated)

02 / Settlement// TIME-TO-RETURN

Reimburse

Escrow funds are instantly released to providers upon outcome verification, optimizing cash flow and matching payer ROI expectations.

Escrow Settlement LedgerPARTIAL SETTLEMENT

Escrow Pool

CHF 120,000.00

CHF 30,000.00 Held

CHF 90,000

Paid Out

CHF 90,000.00

RELEASED

ESCROW CONTRACT: ACTIVE

PAYOUT SYSTEM: 200 OK (ISO 20022)

Settlement Parameters

Escrow Released

CHF 90,000.00

Payer ROI Realized

1.4x within 12 months

Contract State

ACTIVE (HELD: CHF 30k)

Read the EDEN Framework documentation

Validated Models

Proven clinical health economic parameters.

Open Software

Reference implementation templates.

4 Yrs

Academic Research

Continuous testing with ETH & HSG.

Enterprise Partners

Digital health sandbox integrations.

Our Mission

“
Healthcare was built to reward activity. Sanafin enables a system that rewards measurable impact.
The future of healthcare requires a financial system that can recognize value, not only services delivered.
”

Meet the team

People who care deeply about future healthcare.

Wasu Mekniran

CEO

MBA & MSc in Computation. PhD in Financing for MedTech at ETH Zurich. Researcher at University of St.Gallen.

Susanne Oudbier

Medical Officer

Dr. med. at HOCH Ostschweiz. PhD in Medicine. Clinical outcomes expert.

Anej Rozman

Dev Lead

Co-Founder at ETH Blockchain Club. MSc in Quantitative Finance at ETH Zurich/University of Zurich.

Ajintha Pathmanathan

Advisor

Dr. med., MPH, 20+ years of global medical leadership across UK, US & AU systems, CEO of medical tech ventures.

Niklaus Neddermann

Advisor

CEO of a FINMA-licensed asset manager, 20+ years in finance, Former executive at Julius Bär and Swiss National Bank.

We're building the future of healthcare finance.

Sanafin is growing. We're looking for ambitious builders and healthcare enthusiasts to join our mission in rewriting the rules of clinical value.

Resources

Learn more about Sanafin and Paying for Health.

Explore our research papers, implementation guides, and economic design frameworks for value-based care.

Open Standard · v2.1

EDEN

Enforceable

Deterministic

Evidence-based

Neutral

Standard

The EDEN Contract Specification

The open standard for defining verifiable health value contracts, setting data thresholds, and configuring programmatic settlement rules.

Read specification

Practitioner Guide

Define value & thresholds

Map evidence sources

Configure exception paths

Set payout logic

Guide

Structuring Value-Based Reimbursement

A step-by-step implementation guide to defining clinical milestones, mapping data sources, and automating payment workflows.

Read guide

Research · 2024

Peer-reviewed

Payout delay distribution

Architecture

Resolving the Verification Problem

An architectural overview of how to securely route real-world evidence and automate healthcare risk transfer at the data layer.

Read architecture

POST /v1/contracts

{

"escrow_amount": 100000,

"currency": "CHF",

"payout_timing": "2_hours"

}

200 OK

API Docs

Sanafin API Reference

Technical integration endpoints for programmatic contract creation, escrow funding, clinical verification feeds, and automated settlement release.

View docs

Common questions

Frequently asked questions

What does Sanafin cost?

Sanafin offers transaction-based enterprise pricing tailored to your volume. Founding design partners receive predictable, volume-locked rates for their first contract term.

Who holds the funds, and when are they released?

Funds are secured in capital-safe, FINMA-regulated bank custody. Payouts are triggered programmatically and settled instantly when value thresholds are verified.

Which verification sources are supported?

Sanafin integrates with major clinical systems, EHRs, wearable APIs, and lab registries via HL7 FHIR. Approved data sources are verified and locked to each contract.

What happens when source data is missing or disputed?

Contracts specify automated fallback workflows—like alternative data sources, grace periods, or neutral clinical arbitration—to handle edge cases deterministically.

What is your compliance scope?

The platform is Swiss-hosted and fully compliant with nDSG, GDPR, and HIPAA security standards. We provide complete audit trails for every verification event.

How long does implementation take?

Integrating our API and launching your first sandbox contract takes less than two weeks. We provide full testing environments and developer support.

What happens after I join the waitlist?

We will schedule a call to review your value metrics, set up your sandbox account, and configure your first test contract.

Early Access

Launch your first digital
value-based program

Join digital health and healthcare organizations building the next generation of reimbursement.

Early accessFounding partner ratesSandbox testing

Turn Digital Health value into revenue