Patient
The citizen
Onboards over WhatsApp, verifies once, and holds a wallet for rewards and payments. Proves age or residency without revealing anything else.
Holds: Verified Patient credential, People's Coin, stablecoin balance
People's Wallet Concordium
Infrastructure blueprint · v0.1
Your platform stays off chain. Only proof and value cross.
A blueprint for embedding Concordium into the People's stack: one verified account and wallet for every actor, provable trust where it earns its keep, and compliant payment and reward rails you own end to end.
Off chain · your platform
The People's stack
WhatsApp, the AI avatar, doctor consultations, MyKiya, MedPlus fulfilment, and every patient record. All of it stays in your systems, unchanged, where you control it.
On chain · Concordium
The Concordium rail
A thin, high-value layer underneath: verified identity, prescription integrity, consent receipts, and the People's Coin and stablecoin payment rails.
Anchored to your model
The Concordium rail sits under your Execution Platform. Everything else stays yours.
Your People's Doctor Africa Triangle already names the three pillars. Concordium does not touch the first two. It adds provable trust and the payment rail to the third, the Execution Platform, where consultation, prescription, fulfilment, and outcomes happen.
Pillar 1
Access to customers
Telecom and bank reach: MTN, Airtel, Telecel, Orange, and the banking partners. Stays exactly as it is.
Pillar 2
Access to products
Pharma, pharmacy, and last-mile partners: Novo Nordisk, MedPlus, HealthPlus, and delivery. Stays exactly as it is.
Pillar 3
Execution platform
Consultation, prescription, fulfilment, outcomes.
Concordium plugs in here: verified doctors and patients, tamper-proof prescriptions, consent receipts, and payment and reward rails.
835M+people reach
250M+mobile money users
10,000+doctors and clinics
5,000+pharmacy outlets
50+countries in scope
Reach figures from the People's Doctor Africa Triangle. Concordium scales to match: ~1,200 to 2,000 TPS, finality in 2 to 4 seconds.
One app, one wallet
Every actor gets a verified account and wallet, inside your app
The blockchain is not a separate destination. Using the Concordium Wallet SDK and the ConcordiumID App SDK, the wallet and identity live inside the People's experience. Doctors, patients, the avatar, pharmacies, and data buyers each get a Concordium account they never have to think about.
Doctor
The licensed provider
Carries a Verified Doctor credential tied to their MDCN registration. Presents it as a proof at login and at the moment of prescribing.
Holds: Verified Doctor credential, consultation fee balance
AI avatar
The AI doctor
Runs as a registered, accountable agent with a verified entity behind it, so every action it takes carries an auditable line back to People's Doctor.
Holds: Verified agent identity, sponsored transaction rights
Pharmacy
The fulfilment partner
Scans the prescription QR to confirm it is authentic, signed by a verified doctor, and not already used. Releases medicine, then the escrowed payment settles.
Holds: Verified pharmacy account, settlement wallet
Data seller
The contributor
Consents to share anonymised health insights and earns People's Coin for it. The consent is recorded on chain and can be withdrawn at any time.
Holds: consent receipts, People's Coin earnings
Data buyer
Pharma and insurers
Novo Nordisk and others verify as a business identity, pay for anonymised aggregate insight products, and get a provable record of lawful basis behind every dataset.
Holds: verified business identity, settlement account
The embedded wallet is real and ready. Integrate the Concordium Wallet SDK for full in-app control, or offload identity to the @concordium/id-app-sdk so the People's app handles signing while account creation and recovery run through the Concordium ID App. Sponsored transactions mean your users transact in stablecoin and People's Coin without ever holding or understanding a gas-token.
The pieces
Eight Concordium components, and where each one slots in
Each is a protocol-level capability, not a fragile smart contract. Built-in identity and compliance come with the rail rather than being patched on top.
Concordium ID
Protocol-level identity. Every account is tied to a real verified person or business, held encrypted and disclosable only under a court order.
Where it fits: the verification step in your WhatsApp onboarding (NIN or BVN backed) and at doctor login. The base every other piece sits on.
Web3 ID credentials
W3C verifiable credentials. Issue a Verified Doctor or Verified Patient credential that lives in the holder's wallet and proves a fact with zero knowledge.
Where it fits: turns your licensed-doctors promise from a database claim into something a pharmacy, regulator, or Novo can verify directly.
Protocol-Level Tokens (PLTs)
Native tokens issued by the protocol, no smart contract honeypot. Built-in mint, burn, pause, allow and deny lists, and identity-gated holding.
Where it fits: People's Coin and a Naira-pegged stablecoin. You are the issuer and you keep full control of supply and access.
Protocol-Level Locks (PLLs)
Trustless escrow at the protocol layer. Funds are held under conditions, not in a contract that can be drained, and release on confirmation.
Where it fits: secure medicine purchase. The patient's payment is locked, then released to the pharmacy only when the order is dispensed or delivered.
Verify & Pay
One checkout step that verifies identity or age and moves the stablecoin payment together, with no extra screens for the user.
Where it fits: the MyKiya and pharmacy checkout. Confirms the buyer is eligible and settles payment in a single tap.
x402 micropayments
Pay-per-call payments for service-to-service and agent-to-agent use, settled in stablecoin.
Where it fits: pay-per-consultation, and pay-per-query for data buyers querying People's Research insight products.
Verified agent identity
An ERC-8004 compatible registry that anchors an AI agent to a verified human or business, with a Verified by Concordium badge that travels across chains.
Where it fits: the AI doctor avatar becomes accountable, supporting the doctor extender, not replacement position regulators prefer.
Sponsored transactions
Users and agents transact in native stablecoins without ever needing to hold the network token.
Where it fits: the invisible-wallet experience. Citizens earn, spend, and pay without touching crypto mechanics.
Tech stack
The full architecture, layer by layer
Your platform is the top. The Concordium rail is the bottom. Between them sit the embedded wallet and the issuer and verifier services. Switch between the diagram and the detailed text, or flip the highlight to see exactly what touches the chain.
Off chain · the People's stack
EngagementWhatsApp, MyKiya, MTN / MoMo / Telecel
AI & clinicalAI avatar, consultation, People's Clinic
System of recordpatient records, prescription content, notes
FulfilmentMedPlus, HealthPlus, last-mile
proofs · hashes · consent · value instructions
Embedded wallet & issuer/verifier servicesConcordium Wallet SDK · ID App SDK · Verify & Pay
On chain · the Concordium rail
IdentityConcordium ID, Verified Doctor / Patient, ZK proof
Integrityprescription anchoring, one-time redemption
Consentrevocable consent receipts
ValuePeople's Coin, stablecoin, PLL escrow, x402
Agentverified AI agent identity
Concordium L1 · ConcordiumBFT · 2 to 4s finality · ~EUR 0.01 per transaction
BridgeEmbedded wallet & issuer/verifier servicesWallet SDK · ID App SDK · Verify & Pay
Base L1Concordium blockchainConcordiumBFT · 2 to 4s finality · ~EUR 0.01 per tx
Process flows
Four actors, four journeys, one rail
Each journey shows what happens in your platform and the few moments that touch the chain. See it as a flow diagram or as detailed steps. The point is how little needs to be on chain, and how high-value each on-chain moment is.
From a WhatsApp message to medicine at the door, with one identity check and one locked payment.
off chain · your platform on chain · Concordium
1. Start and screen1
22. Verify identity
3. Doctor consult3
44. Verifiable prescription
55. Pay into escrow
66. Collect and settle
7. Adhere and earn7
1
Start and screen off chain
The citizen taps an ad and talks to the AI avatar over WhatsApp in their own language. Onboarding and screening happen entirely in your platform.
2
Verify identity on chain
Before a prescription can be issued, the patient verifies once with NIN or BVN and receives a Verified Patient credential into their embedded wallet. The same WhatsApp number becomes their patient ID, now backed by a credential they can prove with a zero-knowledge proof, nothing more revealed.
3
Consult a licensed doctor off chain
A verified doctor reviews the case over video. Notes and diagnosis stay in your system of record.
4
Receive a verifiable prescription on chain
The prescription is signed by the doctor and its fingerprint is anchored on chain. The patient gets a QR code. The medicine details stay off chain.
5
Pay, locked in escrow on chain
The patient pays in Naira-pegged stablecoin. The funds are held in a Protocol-Level Lock, not released yet.
6
Collect and settle on chain
The pharmacy verifies the prescription, dispenses, and confirms. The lock releases payment to the pharmacy. The prescription is marked used and cannot be reused.
7
Adhere and earn off chain
Reminders and coaching run in your app. Healthy engagement and consented contribution earn People's Coin.
A doctor proves they are real and licensed once, then carries that proof into every consultation and prescription.
off chain · your platform on chain · Concordium
11. Verify licence
22. Authenticate
3. Review and consult3
44. Sign prescription
55. Get paid
66. Auto-revoke
1
Onboard and verify licence on chain
The doctor verifies their MDCN registration and receives a Verified Doctor credential into their wallet, issued against the medical council register.
2
Authenticate into People's Clinic on chain
At login they present the credential as a proof. The platform confirms a valid, current licence without storing or seeing the underlying record.
3
Review and consult off chain
The doctor reviews the avatar's intake summary and consults the patient. The clinical work stays in your platform.
4
Sign the prescription on chain
The doctor signs with their wallet key. The signature and the prescription fingerprint anchor on chain, binding the prescription to a proven licensed provider.
5
Get paid on chain
The consultation fee settles to the doctor's wallet in stablecoin, with per-consultation payment handled by x402.
6
Lose access if a licence lapses on chain
If the licence is revoked, the credential is revoked, and the doctor can no longer authenticate or prescribe. Trust stays current automatically.
A citizen chooses to contribute anonymised insights, earns People's Coin, and stays in control of that choice.
off chain · your platform on chain · Concordium
1. See the offer1
22. Consent recorded
3. Contribute3
44. Earn coin
55. Spend or withdraw
1
See the offer off chain
In the People's Wallet, the citizen is offered People's Coin in return for consenting to share anonymised health insights.
2
Consent, recorded on chain
They opt in. A consent receipt is written on chain: what they agreed to, and when. It is revocable and tamper-evident. Their actual data never goes on chain.
3
Contribute, anonymised off chain
Their data feeds People's Research only as anonymised, aggregated insight, processed inside your platform.
4
Earn People's Coin on chain
People's Coin is minted to their wallet as the reward. You are the issuer and you set the rules of the reward.
5
Spend or withdraw consent on chain
They spend People's Coin on health, food, airtime, and more. At any time they can withdraw consent, and the on-chain receipt records that too.
A pharma company or insurer buys anonymised aggregate insight, and gets a provable record of lawful basis behind every dataset.
off chain · your platform on chain · Concordium
11. Verify business
2. Browse insights2
33. Pay per query
4. Receive aggregates4
55. Audit basis
1
Verify as a business on chain
Novo Nordisk, an insurer such as AXA, or a research funder verifies a business identity on Concordium, created from corporate documents. Only accredited buyers can transact.
2
Browse insight products off chain
They explore the People's Research catalogue of anonymised, aggregated insight products built inside your platform.
3
Pay per dataset or query on chain
They settle in stablecoin, with pay-per-query access metered by x402. Pricing and access are yours to control.
4
Receive aggregates only off chain
They get anonymised aggregates and analytics, never raw or identifiable health data. No personal data leaves your platform, and none is on chain.
5
Audit the lawful basis on chain
Behind the dataset sits the on-chain consent record. The buyer and any regulator can confirm the data was contributed with live consent.
Secure commerce
PLTs move the money. PLLs make buying medicine safe.
Protocol-Level Tokens are your stablecoin and reward rails. Protocol-Level Locks add trustless escrow, so a patient's payment is protected until the medicine is actually in their hands. The funds are held at the protocol layer, not inside a contract that can be drained.
Step 1
Verify & Pay
The patient checks out. Identity and prescription are verified, and stablecoin payment is captured in one step.
InitiatedStep 2
Funds locked
The stablecoin moves into a Protocol-Level Lock. The pharmacy can see the order is funded, but no one can touch the money yet.
In escrowStep 3
Dispense
The pharmacy scans the QR, confirms the prescription is valid and unused, and dispenses or ships the medicine.
FulfillingStep 4
Release on confirmation
Delivery or dispense is confirmed. The lock releases and the pharmacy is paid. The prescription is marked used.
SettledIf it fails
Refund
If the order is not delivered, the lock returns the funds to the patient. No counterparty risk, no idle middleman.
ReturnedYou issue People's Coin and the stablecoin, so you own them - and the responsibility for them - end to end. Concordium provides the decentralised rail and the controls: as the issuer you keep mint, burn, pause, and allow / deny lists, plus identity-based geofencing. The infrastructure is ours. The token, and the call on how to run it, is yours.
The data market
Two sides, one provable consent ledger between them
People's Research becomes a market where citizens are paid for what they choose to share, and buyers can prove they bought it lawfully. The data itself stays inside your platform. Only the consent and the payment touch the chain.
Sell side
Citizens
- Choose to contribute anonymised health insights from the wallet.
- Consent on chain as a revocable, time-stamped receipt.
- Earn People's Coin minted directly to their wallet.
- Stay in control and withdraw consent at any time.
- Spend rewards on health, food, airtime, and daily needs.
Buy side
Pharma, insurers, funders
- Verify once as an accredited business identity.
- Buy insight products, anonymised and aggregated only.
- Pay in stablecoin, per dataset or metered per query.
- Never receive raw or identifiable health data.
- Audit lawful basis against the on-chain consent record.
The one rule
Health data never goes on chain. That is a feature, not a limit.
A public ledger cannot be edited or deleted, which is exactly why personal health data must never be written to it. Keeping data off chain is what keeps you compliant with NDPR and GDPR, including the right to erasure, while the chain still proves everything that matters.
Stays in your platform
- Patient records and history
- Consultation notes and diagnoses
- The contents of every prescription
- Symptoms, measurements, lifestyle data
- The AI avatar and its conversations
Crosses to the chain
- Zero-knowledge proofs of an attribute
- Credential status: valid or revoked
- A one-way fingerprint of a prescription
- Revocable consent receipts
- Token balances and payment events
One rail under the People's stack.
Verified trust, payments you own, and a data market that is provable by design. Ready to integrate, with the wallet and SDKs available today.
~1,200-2,000TPS capacity
2-4sdeterministic finality
~EUR 0.01per transaction
0health data on chain
People's Wallet Concordium