Easysoul1/Keystone

Keystone is a healthcare financial infrastructure layer built for Nigeria. It enables patients to access care without paying the full cost upfront, while giving clinics reliable, trackable revenue through structured installment payments and real time settlement. # HealthPay Grid — Elite Edition > **Enterprise Payment + Installment Infrastructure for Nigerian Healthcare** > Built on Interswitch APIs | Settlement Engine | Compliance Layer | Portfolio Analytics --- ## Table of Contents - Overview - The Problem - Solution Architecture - Core Modules - Enterprise Upgrades - Tech Stack - Getting Started - Project Structure - API Reference - Interswitch Integration - Data Models - 7-Day Build Plan - Demo Script - Market Opportunity - Team --- ## Overview KeyStone is not just a payment app it is a **healthcare fintech operating system** designed specifically for the Nigerian healthcare ecosystem. While standard payment solutions process transactions, KeyStone delivers **end-to-end financial infrastructure**: automated settlement and reconciliation, audit-compliant transaction trails, credit portfolio analytics, and enterprise interoperability — built to power hospital networks across Africa. | Metric | Value | Source | |---|---|---| | Population without health insurance | 95–97% | NOIPolls 2024 | | Out-of-pocket health expenditure | 70–75% | World Bank 2024 | | Health insurance penetration rate | ~5% | NHIA 2024 | | Population in multidimensional poverty | 73.7 million (33%) | MPI 2024 | | People living on **Problem:** No unified identity linking patients to clinic visits and payment history. - Unique **HealthPay ID (UUID)** ties all payments to one person across all clinics - KYC verification via NIN, phone OTP, and document upload - Bank/card tokenization via Interswitch for secure recurring payments - Payment history and creditworthiness tracking --- ### Module 2 — Unified Payment Flow > **Problem:** Each clinic has different payment methods; patients don't know prices upfront. - Standardized service catalogue with transparent pricing per clinic - Unified checkout: **Pay Now**, **Pay in 3**, or **Health Wallet** - Interswitch gateway integration for ca …