UBRICA RETAIL CLINICAL CENTERS

We intend to support design, development and construction of at least 100 health centers that will be leased to qualifying health professionals on 20 year mortgage agreement. We will construct an average of two units per county in Kenya. Some counties with greater population may have more than two. Each center will have a fully furnished health center and a retail store. A center so designed is the Ubrica Retail Clinical Center (URCC). Individuals enrolled into the CSU form the consumer base of the URCC. Each URCC will serve a catchment population of about 300,000 people. Thus, 100 URCCs will serve at least 30 million people. The URCC project requires US$ 1 billion. We shall allocate 2 billion Ubricoins to fund design, development and implementation of 100 URCCs in Kenya.

URCCS 2 BILLION UBC

We will sell 2 billion UBCs at $2 per Ubricoin to help in design, development, construction and management of the URCCs. We intend to construct at least 100 health centers average of two units per county. The 2 billion UBCs will be issued in four phases.

Phase I. Private sale

In this phase we will issue 100 million UBCs. The funds raised will be used for the design of the URCCs.  Desktop research will be carried out to determine the structure and requirements needed to construct the URCCs.  Field research and visiting the sites will be done to determine suitable areas for constructing the URCCs. We will also do environmental studies and acquire permits.

We will also do marketing to create awareness and identify doctors who will be running the clinics. Public outreach and evaluation will be carried out to understand the scope of the project.

User’s research will also be done to determine our target audience and capacity for utilization of health services in each county. User’s studies will include consumers of care, providers of care and payers of care. This will help in determining the optimal number of clinics for each county. Counties with greater population may require more than two URCCs.

We will develop a program for quality training, this will help improve the quality of care that will be provided in the clinics. The identified doctors who will own the clinics will go through continuous professional development.

A fraction of the funds raised in this phase, will be used for project planning i.e. getting proper legal document, permits and doing feasibility studies.

Phase 2. Presale

We will issue 300 billion UBCs in this phase. These funds will be used for the development of URCCs. We will hire consultants, architects, engineers, planners, construction security personnel and IT professionals. This team will be responsible for planning and generating of construction documents for different counties.

Phase 3. Crowdsale

In this phase, we will issue 1 billion UBCs on October 1, 2019. This will help us in acquisition of land and their title deeds thereof for the implementation of the URCCs project. This land will be sourced from different counties in Kenya. Our goal is to ensure that we at least have land in all the 47 counties so as to effectively start the construction of the URCCs.

These funds will also be used to purchase clinical equipment required in the clinics.

 Phase 4. Token Generating Event

We will issue 600 million UBCs for management of the URCCs. We will issue mortgages to the doctors who will own the URCCs. The mortgages will make it easy for fresh graduate to own clinics. Some of the funds raised will be used in an incentive program. We will reward health professionals with Brevis for provision of quality of care. We will also issue tokens to individual with good health seeking behaviors. These incentives are meant to improve the quality of care and as motivation to the Doctors. Offering token to the patients will lead to early disease detection and prevention of diseases.

Funds raised from this phase will be used for continue growth and maintenance of the clinics and to set stage for long-term success of the project. We will also hire technical teams which will be in charge of maintaining the equipment.

 

UBRICA HUMAN ENGAGEMENT

Our human engagement pillar involves engaging people at their basic level of existence to discover how we can work with them to create wealth. Members engaged will enter into a distributed autonomous organization (DAO) known as the Co-operative Society of Ubricans (CSU). We have created an online retail store known as Soko Janja (see shop.ubrica.com) where members can buy and sell produce, products, and services. We have started enrolling individuals onto Soko Janja. Enrolled individuals can post pictures of their produce or products to the online retail store. We will set aside a small fraction of proceeds of their sales into a health fund. We intend to enroll 14 million families in Kenya alone. Members of the CSU will use their wealth to finance health production for themselves and their loved ones.

SOKO JANJA 1 BILLION UBCS

We will sell 1 billion UBCs to supprt our online retail store known as Soko Janja (see shop.ubrica.com) to help operationalize wealth creation by each individual in any given community. These 1 billion coins will be sold in four phases at $0.5 per UBC.

 Phase 1. Private sale

We will releases 100 million coins at this stage 0n June 1, 2018. These funds will be used to design the platform. Funds will also be used for  desktop and field research to assess the market for the local products, visiting manufacturers to sell the idea and register them on our platform and calling and listing manufacturers, clients, suppliers and customers.

Phase 2. Presale

We will sell 200 million UBCs at this stage on August 1, 2018. These funds will be used for the development of Soko Janja. We will buy new computers to facilitate maintenance, updates and development of the platform. These funds will also cater to networking capabilities and paying salaries to people who will be working on the platform. We will also use  fraction of the funds raised to market our platform.

Phase 3. Crowdsale 

We will sell 300 million coins at this stage on October 1, 2018 for developing management capacity. This will include identifying, recruiting, training and retaining human resource for Soko Janja. These funds will be used for strategic planning to scale Soko Janja, organizing and upgrading teams into departments. In coordinating to make sure all the teams are working together in a synchronized version so that all the teams will work as a single whole.  We will also create a team controlling financial resources including creating appropriate use of the Ubricoin, token distributions, airdrops and loyalty incentive programs.

Phase 4. Token generating event

We will issue 400 million coins on December 1, 2018 for scaling Soko Janja. These funds will be used to enroll 14 million households and to pay 7,250 community workers who will be recruited to register manufacturers and suppliers in the 47 counties, 210 sub-counties and 1,450 wards in Kenya.  We will create an incentive program to reward customers who will be buying locally produced products from soko janja.

UBRICOIN DISTRIBUTION

We plan Ubricoin sales in the following manner:

  • 1 billion (10%) UBCs for design, development, management and scaling of Soko Janja
  • 2 billion (20%) UBCs for design, development, construction and management of Ubrica Retail Clinical Centers (URCCs)
  • 2 billion (20%) UBCs for design, development, construction and management of Science and Technology Park (STPs)
  • 3 billion (30%) UBCs for design, development, construction and management of Biomedical Industrial City (BMIC)
  • 2 billion (20%)  UBCs will be reserved for community development and Ubrica team.

UBRICOIN DISTRIBUTION PROGRAM
(Note. SJ = Soko Janja; URCC = Ubrica Retail Clinical Centers; STP = Science and Technology Parks; BMIC = Biomedical Industrial City; CD = Community Development and Team)

SMART CONTRACTS
Smart contracts help exchange money, property, shares, or anything of value in a transparent, conflict-free way while avoiding the services of a middleman. Smart contracts not only define the rules and penalties around an agreement in the same way that a traditional contract does, but also automatically enforce those obligations.

Ubrica smart contracts will facilitate, verify, negotiate and conclude contracts between individuals and their contracting party.  Due to these smart contracts holding value, individuals may participate or audit all Ubricoins smart contracts.

All smart contracts are connected to one super smart contract (SSC) but don’t lose their individual rights. If a smart contract cannot be fulfilled due to performance impossibility (death), then the SSC saves the holder’s rights.

Characteristics of blockchain

  1. Trust is established through a consensus of peers
  2. Validation of trusted transactions is decentralized/distributed among peers in a network
  3. Transactions are updated on a continuous basis 

Why blockchain

  1. To facilitate village level commerce
  2. To reduction of friction of currency in the trade
  3. To facilitate real time transfer of cash
  4. It is safe, it reduces fraud as Ubricoin will act as the escrow to protect the members
  5. It eliminates middlemen who do not provide value for money using the network

Why Ubricoin
We intend to issue 10 billion ubricoins (hardcap) on ethereum blockchain. The ubricoin will comply with the ERC20 standard. Ubricoin will be transferable on Ethereum platform.

We will use the funds for design, development, construction and management of the four Ubrica projects: Soko Janja, Ubrica Retail Clinical Centers (URCCs), Science and Technology Parks (STPs) and Biomedical Industrial City (BMIC). These projects will be the rationale for issuing of the UBCs. We will sell the coins project-wise with each project taking four phases: private sale, presale, crowdsale and Tocken Generation Event.

We need Artificial intelligence for global health. Blockchain gathers intelligent data about health, nutrition information and diseases. This data will help us develop:

  • Smart community health decision support system
  • Smart Public health decision support system
  • Smart clinical decision support systems

The implication of artificial intelligence will include:

  • Early disease detection algorithm built on International Classification of Diseases (ICD)
  • Health and diseases monitoring
  • Effect and impact evaluation of health programs
  • Improved data security, accuracy and speed of diagnosis

Funding and creating incentives for research

  • Building world-class capacity for health and clinical research
  • Research reporting through peer-to-peer reviewed papers by creating incentive token to the authors. This will lead to more people taking part in developing scientific papers.

Product development: Creation of cash incentive tokens for supporting development of scientific product. Ubricoin will be used for manufacturing of biomedical products

Ubricoin will facilitate the commercialization of the products in the online marketing and retail platform called Soko Janja

Ubricoin will support scientific real estate construction and development;

  1. Ubrica Retail Clinical Centers (URCCs)
  2. Science and Technology Parks (STPs)
  3. Biomedical Industrial City (BMIC)

WHAT IS UBRICOIN?

 

Ubricoin is built on Ethereum protocol. We created 10,000,000,000 (ten billion) Ubricoins. A “UBN” refers to one Ubricoin. As an ERC20 token, it is configured to be used globally by all individuals. A UBN derives value from the exchange with Ether.

It is a peer-to-peer Internet currency that will enable payment to anyone in the world to facilitate global health.  We will use Ubricoin to create platforms for funding lifescience research and development, generic drugs manufacturing and health services delivery. Ubricoin will be the gateway to the biomedical world which comprises Soko Janja, health services delivery, science and technology parks and biomedical industrial city (Figure 2).  Ubricoin will expand Ubrica’s capability to host future worthy lifescience and health blockchain projects and spinoffs.

UBRICOIN

 

USES OF UBRICOIN: LIFESCIENCE AND HEALTH PROJECTS BUILT ON UBRICOIN BLOCKCHAIN

 

Direct Beneficiaries of Ubricoin

Ubricoin will benefit you, the consumer of health and other services. Consumers will receive Brevis airdrops from shopping on Soko Janja. Brevis airdrops are monetized loyalty points issuing from the point of sale platform on Soko Janja. Consumers will also give direct feedback to providers, through the rating systems. Providers receiving good ratings will be rewarded with Brevis airdrops. Consumers will experience increased access to health generating produce products and services.

Providers of health accepting Ubricoin as payment at the point of sale will receive Brevis loyalty tokens, service quality tokens, direct feedback from consumers. Providers will also give direct feedback to consumers, such that consumers who adopt good health habits will be rewarded with Brevis. Payers of health using Ubricoin for payment transaction will experience dramatic reduction in payment fraud. Providers will be paid only for honest work. Payers will enjoy simplified payment system built on blockchain.

Suppliers of products and services to the health system will enjoy simplified payment system. They will receive Brevis airdrops and service quality token. They will also receive direct feedback from consumers, and in turn will give direct feedback to consumers.

Regulators of health services will create intelligent regulation based on real-time data. This will ensure good governance. They will receive Brevis airdrops and service quality token. They will also receive direct feedback from consumers, and in turn will give direct feedback to consumers.

Local and international non-governmental organization will enjoy simplified data gathering for needs assessments, project implementation evaluation, and post implementation evaluation. They will receive Brevis airdrops and service quality token. They will also receive direct feedback from consumers, and in turn will give direct feedback to consumers.

International development organizations concerned with global health will have a system for easy tracking of diseases of global health concern, detecting diseases before they become epidemics. They will also enjoy simplified data gathering for needs assessments, project implementation evaluation, and post implementation evaluation. They will receive Brevis airdrops and service quality token. They will also receive direct feedback from consumers, and in turn will give direct feedback to consumers.

This global health financing project has three pillars: (a) smart reward pillar,  (b) human engagement pillar, and (c) projects pillar. In this document we describe the phased implementation program for the three pillars.

THREE PILLARS OF THE UBRICA PROJECT
THREE PILLARS OF THE UBRICA PROJECT—STRATEGY FOR FUNDING UNIVERSAL HEALTH FOR ALL

SMART REWARD
Our crypto-currency program involves creating incentive programs to reward excellence in education, research and practice. We shall also reward the use of Ubricoin for financial transactions in everyday practice. Buying from local suppliers and manufacturers on Soko Janja will attract rewards. Rewards will help to create incentives for quality in education, research and practice in developing world. Quality of medical and health care will improve in turn.

HUMAN ENGAGEMENT
Briefly, our human engagement pillar involves engaging people at their basic level of existence to discover how we can work with them to create wealth. Members engaged will enter into a distributed autonomous organization (DAO) known as the Co-operative Society of Ubricans (CSU). We have created an online retail store known as Soko Janja (see, shop.ubrica.com) where members can buy and sell produce, products, and services.

PROJECTS
Ubrica project comprises three distinct scientific real estate projects: a series of world class health centers, university science and technology parks, and a biomedical industrial city in Kenya.

Ubrica Retail Clinical Centers
We intend to construct at least 100 health centers that will be leased to qualifying health professionals on 20 year mortgage agreement.

University Science and Technology Parks
We will facilitate design, development and implementation of 66 Science and Technology Parks (STPs) for universities.

Biomedical Industrial City
We propose to implement Biomedical Industrial City in Kenya, known as Ubrica One. Ubrica one project is planned and designed to meet the full range of health needs, including curative and preventive services, of those residing and working in the Medical City as well as those visiting the Medical City for medical tourism and other purposes.

UBRICOIN SMART REWARD

We have built on a blockchain technology, a model that has the ability to overcome shortage of financing for health, which has been the thorniest issue in global health. Lack of funding for health in many countries of the world has led to increased burden of disease, years of life lost due to illness, very poor quality of life, and quality adjusted life years.

We strive to create a health conscious community that rewards people who people who provide valuable contribution to knowledge in lifescience and health. Through a smart reward system, we will see a rise in emergence of new knowledge and solutions to most vexing issues in health. Ubricoin will reach a broad market for health production that will include millions of people in developing countries who have been excluded from health care and from financial systems.

The use of blockchain in global health is a powerful approach that will build financial incentives for traditionally marginalized hardworking people who contribute knowledge for the betterment of humanity. For the first time, hundreds of millions of people who contribute good deeds to improvement of health related quality of life of human race will receive incentives for the good deeds. This smart reward system will unlock unprecedented amount of funds to support advancement in knowledge in general, and in lifescience and health production in the world, in particular. Good teachers who care deeply about their students, good researchers who contribute to new knowledge and good practitioner who strive to provide greatest quality of service will receive financial incentives for their good deeds.

Our crypto-currency program involves creating incentive programs to reward excellence in education, research and practice. We shall also reward the use of Ubricoin for financial transactions in everyday practice. Buying from local suppliers and manufacturers on Soko Janja will attract rewards. Rewards will help to create incentives for quality in education, research and practice in Africa. Quality of medical and health care will improve in turn.

It is widely documented that people living in developing countries do not have access to good quality education, products of research, and professional services. Much worse, developing countries are not at the forefront of biomedical research, development, innovation, and commercialization of research knowledge into commercial products and services.

The enterprise for translation of science into products for everyday domestic use and clinical care does not exist in many developing countries, because there is no incentive for creating such enterprise. The absence of biomedical and health care innovation has resulted in a huge burden of disease in these countries. Biomedical and health care innovations depend on good financial incentives. The global financial community has not created financial structures to fund biomedical innovation and health production.

 

UBRICOIN: Blockchain Technology for Global Health

UBRICOIN

Blockchain Technology for Global Health
Ensuring Universal Health Access for You and Your Loved Ones

We have developed Ubricoin on blockchain to serve as a platform devoted to improving quality of health for all. Ubricoin will help to achieve global health. We will use Ubricoin to develop global health industry and create market intelligence through a cryptocurrency reward system that will inspire positive contribution to health improvement around the world. We will use a smart review system to reward consumers for positive health behavior. Educators at all levels of education, researchers, and practitioners at all levels, will also receive rewards for excellence, quality of work, and positive contribution to society. We believe in a future where everybody has access to best health products and services. We believe in great health that is easily accessible and affordable to all. We believe in a future of universal health access. We expect that Ubricoin will improve health related quality of life (QOL) and quality adjusted life years (QALY). In addition, we believe that Ubricoin will reduce the enormous burden of disease (BoD), particularly in the developing world, and eliminate years of life lost (YLL) due to disease.

We will use Ubricoin to support design, development and implementation of Ubrica project. Ubrica project involves building world class capability for high quality life-science and health-production (LSHP) in the world. We will build a model physical project in Kenya. Ubrica project in Kenya will create a node for highly advanced biomedical research and development, and highest quality health care services. The project will ensure sufficient funding for discovery of solutions to most vexing health problems in the world, particularly those emerging from the African continent, and other developing parts of the world.

UBRICA TAKEHOME FROM THE NAIROBI DIVISION OF KENYA MEDICAL ASSOCIATION ANNUAL GENERAL MEETING

Susan Nyambura Njuguna, June Wahito Wachira & Macharia Waruingi
Saturday, March 24, 2018

We summarize, in this document, take home messages from Kenya Medical Association (KMA) Nairobi Division Annual General Meeting. The meeting took place on 8th Floor, Jubilee Insurance Building, Kaunda Street, Nairobi, Saturday, March 24, 2018, 9.00 am – 3.00 pm. This document contains only a review of podium presentations pertinent to health financing. It does not contain discussions of official business of Nairobi Division of KMA, other than appointment of the Chairman of Ubrica, Macharia Waruingi, to the Governing Council of Nairobi Division of KMA. We developed this document as a memo of take home messages for Ubrica team. We focused on presentations about health financing, as the subject of central interest to Ubrica.

Message from the Regional CEO of Jubilee Insurance, Dr. Julius Kipng’etich, highlighted three critical elements to effective practice of medicine. He advised that doctors should:

• learn principles of business. Principles of business would help a doctor plan his/her time better. All doctors could greatly benefit from an MBA.
• embrace three important technologies namely biotechnology, information technology and blockchain technology. We live in a world of fast changing technologies. Doctors must learn and keep up with these technologies. Financial technology is an additional technology not mentioned. Indeed, in our view, financial innovation from works in financial engineering that creates financial technologies is requisite to innovations in the three stated technologies: biotechnology, information science and blockchain. Without financial innovation large scale innovation is not possible.
• be service oriented in their approach to work. The job of a doctor is a service. Doctor must learn the skill of customer service to remain competitive.

Dr. Roslyn Ngugi spoke about improving cardiovascular outcomes in people with diabetes. Diabetes increases incidence of cardiovascular illness. Indeed, diabetes accelerates incidence of burden of disease, disability and death due to cardiovascular disease. Optimal blood sugar control is important, but not enough to forestall incidence of cardiovascular diseases. Instead, doctors should use combination of approaches that include diet, physical activity, and statins, besides anti-glycemics. There was no mention about specific things to include in a good diet to eat, or what not to eat. It would be important to address the role of natural food supplements, nutricicals, such as wheatgrass, and the like in glycemic control. There remain many questions about appropriate approach to diabetes control under conditions of economic deprivation, and in absence of universal health coverage. Cert, low income populations in urban and rural areas may not have access to anti-diabetic treatment, and pricey statins.

Dr. James Soki explained that health insurance is a net loss business in Kenya. Every insurance company meets severe loss in health business. Furthermore, we have extremely low health insurance coverage in the Kenya. The government sponsored National Hospital Insurance Fund (NHIF) covers only about 16% (Dr. Suleh explained that recent reports indicate approximately 25%) of the Kenyan population. The fact of the matter is that health insurance coverage is extremely low. The prevailing talk in town about universal access leaves wide gaping holes on exactly how universal coverage could be achieved. Besides the extremely low coverage, health insurance is plagued with other woes such as moral hazard and adverse selection, borne of the third party structure of the health insurance business in Kenya.
Two fundamental questions arise from Dr. Soki’s presentation:
• How do we achieve universal coverage in the context of net loss in the health insurance business?
• How do we restructure the health risk pooling business to eliminate the third party structure, so that everyone is in a single party?

Discussion
In the sections that follow, we address these two questions, and propose a continued monthly dialogue organized jointly by the KMA, Ubrica, and Jubilee. This would be a continuation of Ubrica Monthly Dialogue Series on What Next, Health in Kenya that has been taking place every third Saturday of the month, at Ubrica on Munderendu Road, Karen, Nairobi. So far Ubrica has sponsored two dialogue sessions. We have appended reports of those two sessions to this memo. We attempt to respond to the two questions arising.

1. How do we achieve universal coverage in the context of net loss of the health insurance business?
In the previous dialogues, we have confirmed that is impossible to improve health of a poor person. In order to improve health of a person we have to think about how to improve the health of his or her pocket first. With money in the pocket, a person is then able to purchase a basket of goods that will include good nutrition, shelter, health insurance and the like. This argument begs the question: How can we put money in pockets of people in Kenya?

To answer this question, we have to think about why millions of people in Kenya do not have money to buy health insurance. As it is, private health insurance covers only a paltry 3% of Kenyan adult population needing coverage. A whopping 97% is uncovered. To achieve universal coverage, we would have to cover the 97%. Bringing this number of people to coverage requires deep thinking about why they are not buying insurance in the first place. Insurance is not a top priority during budgeting of cash in families who are barely meeting their basic needs. Only after people have met their basic needs, do they allocate their excess disposable income to insurance products. If we were to increase insurance coverage, we have to help local people earn more money to have disposable income that they can use to buy health insurance. We know that people increase their income when they are able to sell what they produce.

We built Soko Janja to help people sell their products and services. Soko Janja is an online market place created specifically to create market for produce, products and services in Kenya. All sales on Soko Janja will be marked up to include a small fee that goes to a health fund. Results of our actuarial studies indicate that an average of 300,000 people per county contributing KES 300 per member per month will raise sufficient money to pay for the best quality of care in the country.

2. How do we restructure the health risk pooling business to eliminate the third party structure, so that everyone is in a single party?
We can avoid moral hazard and adverse selection inherent in third party insurance structure by having all actors in the same party. In this case, the health consumer, the provider and the payer are in the same party. We have formulated actors in Soko Janja to belong to the same party (Figure 1). As we encourage consumers of health fund to participate in investing in development, construction and operation of health facilities, we will also encourage providers to purchase produce and products from health consumers, and payers also to participate in promoting local produce, products and services.

Figure 1. Soko Janja Single Party Health Financing Structure

We propose to create a tri-partite strategic partnership among Ubrica, Jubilee and Kenya Medical Association. The purpose of the partnership will be to actuate occurrence of universal health access. In this relationship:
1. Ubrica will mobilize people in communities throughout Kenya to list their products on Soko Janja. The goal of Soko Janja is to enroll 14,000,000 families in Kenya on the e-commerce platform, where they can buy and sell produce, products and services. Enrolled individuals become members of Co-operative Society of Ubricans. Soko Janja will drop KES300 per member per month from the proceeds of a sale into a health fund. Soko Janja will also allow members to elect to buy health investment instruments created specifically for funding design, development and implementation of life-science and health services projects.
2. Jubilee will manage the health fund on behalf of consumers, and other funds created for funding design, development and implementation of life-science and health services projects.
3. Kenya Medical Association will organize medical professionals as health providers, who would receive support for design, development and implementation of health services projects.

Way Forward
We propose continuance of Ubrica’s year-long series of dialogue meetings to deliberate different futures of health in Kenya, and the strategic directions that could lead to those futures. This dialogue series is in response to the deplorable state of health in the country, and the role of the Kenyan medical professional to redress this state. The expected outcome of this dialogue series is discovery of theoretical model that would explain how we can achieve universal health in Kenya that is of greatest quality possible, and available to all Kenyans. Universal health access is a function of comprehensive health coverage to ensure realized access to good quality health services to all Kenyans.

This dialogue also seeks to discover operational structure of universal health, and the processes that would drive such a structure. Finally, the dialogue seeks to find the place of the medical professionals, and in particular physicians and surgeons of Kenya, in ensuring access to health services of good quality, affordable, and accessible to all Kenyans. The next dialogue session will take place Saturday, April 21, 2018. Traditionally the dialogue series has taken place on at Ubrica on Munderendu Road, Karen, Nairobi.

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