Pawanax AI
Health intelligence and money movement on WhatsApp — for clinicians and families.
Clinical Assistant for doctors. Personal Agent for everyone. Stablecoin remittance that funds a health kitty.
Why now
Remittance scale meets a care gap — on the app Kenyans already open.
$5.04B formal remittances (2025)
Kenya inflows. Medical care takes ~12.5% of remittance value — not the largest use, but a durable slice.
~8.5% SSA send cost
World Bank RPW average. Pawa default lands at 3.5% all-in when kitty is on.
SHIF launched Oct 2024
Informal-sector contribution gaps remain. Families still bridge care with diaspora cash.
WhatsApp as distribution
Zero-install Personal Agent. Clinical SaaS for doctors. One identity graph links care and cash.
Dual product
Two surfaces. One system.
Doctor's Assistant
BuiltEvidence-grounded clinical AI plus practice tooling — prescriptions, records, pharmacy links, telemedicine by tier.
Personal AI Agent
BuiltWhatsApp (+254 735 636 778): movies, memory, health triage, and send USDC / USDT / EURC on Base.
Movies launch free — habit wedge into remittance and care.
Unit economics
Pricing snapshot
Pro at KES 2,500 / $19 is the clinical anchor. Community stays free. Full public table on /pricing.
| Plan | KES / mo | USD | Note |
|---|---|---|---|
| Community | 0 | $0 | Students, patients, exploration |
| Clinical Starter | 900 | $7 | Solo practitioners getting started |
| ProAnchor | 2,500 | $19 | Active clinicians scaling practice |
| Team | 6,500 | $49 | Clinics collaborating at scale |
| Enterprise | 13,000 | $99+ | Hospitals & networks |
WhatsApp Free + Plus
KES 499
Plus / mo · Free includes movies
Default remittance
3.5%
2.0% platform + 1.5% kitty
vs Legacy SSA
~8.5%
World Bank RPW average
Modelled Pro contribution margin ~78% — footnote only; not a guarantee.
Pawa Afya
DesignedRemittance that funds a health mutual kitty
Opt-in slice of each send builds Pawa Afya — an on-chain health mutual (harambee for afya: collective contribution for health). Claims assisted by clinical AI. Payouts to network providers.
Fee design
Default: 2.0% platform + 1.5% kitty = 3.5% when opted in. High-cover SKU: 4.0% (2% + 2%). Still far below legacy SSA costs.
Guardrails
- Anti-Ponzi: token buybacks/emissions ≤ 50% of realised revenue.
- Reserves: Base + USDC-oriented design (no contract addresses disclosed).
- Partner-first with licensed insurers (IRA). We are not claiming licensed underwriter status on day one.
Hardware vision
RoadmapSensing that feeds the same agent
Wearable and clinic-edge devices on the horizon — not consumer gadget hype. Built to stream into clinical workflow and the Personal Agent.
Roadmap only — not current traction.
Traction
What is live — honestly
No invented LOIs. No invented revenue.
- Stripe billing live for clinical plans.Built
- Stablecoin transfer rail built — USDC, USDT, EURC on Base.Built
- WhatsApp agent with entertainment, money, and health tools.Built
- Early wallet / WhatsApp users and pilots.Built
- Insurance claims data model exists; on-chain pool designed.Designed
Why this is investable
Dual revenue. Low-CAC surface. Clear regulatory narrative.
- SaaS (recurring) + FX/rail take-rate (high margin)
- WhatsApp CAC structurally low when organic
- East Africa remittance + clinic SaaS TAM
- Path narrative: VASP + IRA partner-first
Risks we underwrite
Trust starts with naming the hard parts
VASP / custody compliance (Kenya)
Build and partner with regulated rails; disclose only what policy allows.
IRA licensing for indemnity
Partner-first with licensed insurers — not day-one underwriter claims.
Kitty opt-in rates
Default UX + dignity framing; model stress at JSON elasticity defaults.
SHIF interaction / adverse selection
Clinical AI assists claims; product design avoids “guaranteed cover” language.
FX spread compression
Primary take-rate is transparent bps, not opaque FX markup.
Request the data room
NDA-gated materials for qualified investors. Public product pricing stays on the Pricing page.