HUMB Exchange Review - The “Binance Of Healthcare Tokens”?

According to CoinMarketCap there are 249 CEXs out there and according to CoinGecko, over 1,000 DEXs. A few weeks ago I was introduced to a new crypto exchange that stands out from the hundreds of other Centralised Exchanges out there. One thatis focusing on the Healthcare Industry.

 

Tokenisation of real world assets (RWAs) is spreading around industries. Not just securities any more (like T-bills, real-estate, gold etc that are being moved to the blockchain) but also art, wine and now healthcare data and other healthcare rleated assets.  HUMB.io is a Centralised Exchange with a specific focus on Healthcare Tokens. Yes - me too! “What is a healthcare token?” 

 

As I discovered, a healthcare token is a token whose value is tied to real healthcare activity or assets—e.g., patient-consented data access, slices of hospital/diagnostic revenue, royalties on medical IP, insurance/claims activity, or wellness/adherence rewards.

 

The healthcare industry is made up of serious people with a serious mission to look after us all. This is a career that I didn't pursue and never thought I would have any professional contact with - but here we are. As the healthcare industry (seems funny to call it an 'industry') is now looking to tokenise aspects of its workings, it needs an exchange, or exchanges, on which to do it.

 

 

I sat down with HUMB’s founders and asked a simple question: why should a hospital, insurer or diagnostics outfit list on your exchange rather than just bolt a token onto an existing venue? Their answer: HUMB isn’t just another crypto front-end — it’s a listings engine with healthcare rails (FHIR, consent, claims, rewards) that make the tokens actually useful off-exchange. Also the senior management team are highly respected within Healthcare, with strong networks in the sector. Dr Richard Satur, HUMB’s CEO, with a PhD in Computer Science, has had a long career in Healthcare with a particular focus on data. 

 

Dr Richard Satur, CEO, HUMB

 

“HUMB Exchange is pioneering the next wave of healthcare innovation. By tokenizing not only data and IP, but also real-world assets like MRI machines and hospital real estate, we are opening the door for hospitals, patients, and global investors to participate in a regenerative, transparent, and sustainable healthcare economy.”

Dr. Richard Satur, CEO and Founder, HUMB Exchange

 

The company sent me their mission statement:

"To build a transparent, secure, and compliant exchange that empowers stakeholders across the healthcare ecosystem, from entrepreneurs and investors to healthcare providers and patients, by providing a secure, efficient, and transparent platform for healthcare tokenization, trading, and financing. We envision a ecosystem where every Doctor and every Patient can become a trader on HUMB and we will help and support the healthcare community in this endeavour."

"HUMB Exchange is the world’s first healthcare-focused cryptocurrency exchange, designed to
create and trade a new category of healthcare tokens. By combining blockchain infrastructure,
healthcare expertise, and regulatory compliance, HUMB is pioneering the Healthcare Token
Economy, where value is co-created and shared across patients, providers, researchers, and
investors."

I have to say, this sounds like a noble endeavour. The crypto 'hammer has found a nail' here. 

 

Aside from the other founder members, who have Medtech / Healthcare platform experience, there is a team of heavyweight Clinical advisors bringing added credibilty to this project, including:

Prof. Simon Platt (Griffith university; Gold Coast Hostpial) Orthopaedic Surgeon

Prof. Amy Lightner (Scripps; colorectal/IBD surgeon-scientist) who brings trial and regenerative-medicine experience / networks.

Prof. Anil Vaidya (multi-organ transplant surgeon; Oxford tenure; now India) gives heavyweight transplant experience and networks.

Dr. Dinesh Pendharkar (Director, Sarvodaya Cancer Institute; FASCO) adds oncology networks. 

Dr. Gareth Morris-Stiff (ex-Cleveland Clinic surgeon; now drug development) adds BioPharma netwoks. 

 

 

Recently, HUMB Indonesia announced on Linkedin a partnership with HealthTech.id:

HUMB Global is happy to announce the collaboration of HUMB Indonesia with HealthTech.id, one of Indonesia’s leading platforms for digital health innovation. Together, we aim to accelerate the vision of Healthcare 6.0 in Indonesia by leveraging tokenization, blockchain, and incentive frameworks to unlock new opportunities for hospitals, startups, and researchers. This partnership will lay the groundwork for healthcare innovation, alternative funding models, and improved patient outcomes, positioning Indonesia as a regional leader in shaping the future of healthcare through technology.

 

Healthcare suffers from fragmented data, high capital costs and limited ways to monetise infrastructure and IP. Crypto has shown that tokenisation can unlock liquidity, align incentives and create new asset classes. Marry the two, and you get a marketplace where providers can tokenise assets (equipment, data, royalties, services) and traders can price and fund them in a transparent, programmable way. Internally, the team frames this as a step toward “Healthcare 6.0” — a more decentralised, incentive-aligned, patient-centric model. HUMB’s ambition is to become the ‘Binance of Healthcare Tokens’.

 

HUMB Exchange’s proposition is straightforward. As a standard crypto exchange, HUMB can appeal to its Healthcare community as participants in standard crypto asset trading. In addition, the HUMB Healthcare network can participate in investing in the HUMB token itself and bring other Health related tokens on to the exchange.

 

First - What is FHIR?

FHIR, Fast Healthcare Interoperability Resources, active since 2011, is the healthcare equivalent of ISO20022, SWIFT, LEIs, ISINs, or any system / identifier that makes financial markets more efficient in terms of data transfer etc. 

According to the UK's National Health Service (NHS) website “Fast Healthcare Interoperability Resources (FHIR) is the global industry standard for passing healthcare data between systems. It is free, open, and designed to be quick to learn and implement.” Also, see Wikipedia here. With the presence of FHIR, tokenisation of healthcare data, healthcare tokens, becomes possible. 

 

What is a Healthcare Token?

What counts as a “healthcare token”? The team shared a useful spread of categories, which I’ve mapped to real-world outcomes:

Hospital Revenue Tokens – Fractionalise future income from diagnostics (e.g., MRI/CT workflows) to finance upgrades without taking on debt.

Data Tokens – Patient-consented, anonymised datasets for pharma and research, governed by smart contracts for access and payments.

Wellness & Preventive Health Tokens – Reward adherence to treatment plans, screenings and clinical-trial participation. (Like when a private medical insurance plan rewards people for doing 5,000 steps a day, recorded on their Smartwatch etc.) 

IP / Royalty Tokens – Tokenise drug or device royalties so investors can fund innovation and share in outcomes.

Insurance & Claims Tokens – Tokenised payouts and claims to reduce fraud and speed settlement;

 

A concrete example I discussed with the team is an upcoming listing with an Australian Digital Health app that ties tokens to diagnostic workflows for joint-related conditions. Patients can earn tokens for clinical-trial participation or consenting to anonymised data usage, while researchers and insurers get governed access to high-value data. 

More broadly, the team has identified 250+ healthcare-related tokens across the market — a sign there’s enough raw material in terms of tokens to standardise and re-list into a more coherent, compliance-focused marketplace.

From an operational standpoint, HUMB Exchange says it is building as a compliance-first venue. The company has a VASP licence in Lithuania and alignment to local regulators where applicable, plus healthcare-system interoperability using HL7 FHIR standards so that tokens tied to services or data can plug into existing clinical systems rather than sit in isolation.

The exchange is live with top cryptocurrencies by volume alongside its first platform features. The HUMB native token currently trades only on HUMB.io; the team would prefer to build a self-contained liquidity loop before considering external listings, but external listings on more active exchanges are usually a pre-requisite for young projects to obtaining market-maker support, so this could be something they may not be able to avoid. However, not all young token projects are owned by smaller exchanges, so this is an usual case.

Margin trading is slated to go live this month (September), and they’re actively looking to onboard specialist market makers to deepen two-way pricing as healthcare tokens roll out.

Go-to-market is pragmatic rather than airdrop-driven: referral schemes, affiliate programmes and trading incentives are already running, with early community building in Indonesia and Nigeria already underway. The founders said any new healthcare token minted in partnership with HUMB.io will be exclusive to the platform, while existing projects may be incentivised to migrate in over time. According to the team’s pipeline, four healthcare tokens are prioritised in the near term (two already contracted), with five innovative tokens lined up for first listings.

HUMB Tokenomics: 14% annual profit-share to traders. 

Like most serious crypto projects, there is a whitepaper for the HUMB Native Token. 

HUMB proposes sharing 14% of the exchange’s yearly profit with users, paid in BTC/ETH (or similar) to exchange wallets, with tiers based on token holdings, KYC/KYB status, and healthcare affiliation. The first 100,000 “Platinum Traders” who KYC/KYB and hold ≥ $1,000 of HUMB for at least six months in the relevant year share 60% of an initial 10% pool (≈6%); all other traders holding ≥ $100 share 40% of that pool (≈4%). 

Two additional 2% pools are earmarked for: 

a) verified healthcare participants via KYH (Know Your Healthcare) and 

b) users who trade at least $100 combined in listed healthcare tokens (ex-HUMB), bringing a qualifying user’s total share up to a potential 10% of the 14% allocation. HUMB “reserves the right to increase” the overall profit-share, subject to regulation. 

 

The HUMB native token lists at $0.25 with a fixed max supply of 5 billion. Allocation includes 14% profit-share, 15% reserve for investing in healthcare projects/tokens, 6% future profit & staking rewards, plus tranches for investors, management, community development, advisors, listing partners and influencer marketing. 

 

Utility & Mechanics. 

HUMB is positioned for payments (including healthcare services), staking/rewards, and governance. Listing projects contribute a portion of their tokens to a HUMB wallet (locked for at least 12 months), and the HUMB token’s value is intended to be “leveraged” in part against that wallet of listed healthcare tokens. 

 

Compliance

HUMB has VASP registration in Lithuania, annual audited accounts, GDPR/HIPAA alignment for data handling, and 24/7 support. HUMB deals in utility tokens (not securities) and frames the profit-share within its regulatory analysis. (As ever, classification ultimately depends on and regulator views, but we are living in a more laissez-faire world with the new ‘Trump’ crypto regime – World Liberty Financial anyone?) 

 

 

What I Like After Speaking With The Founders

Clear vertical focus. Specialising in healthcare gives HUMB permission to design listings, disclosures and integrations around clinical workflows rather than retrofitting generic crypto rails.

Plumbing that matters. Building to HL7 FHIR and engaging providers early increases the chance tokens map to real processes (billing, imaging, claims, trials).

Liquidity strategy. Prioritising specialist market makers and resisting “list everywhere” pressures should make order books healthier — if they can land the right partners.

Incentive design > airdrops. Leaning on referrals, affiliates and utility-based rewards should attract serious participants who want function, not just freebies.

 

What I’m Watching 

First listings – Which of the five “innovative” tokens go live first, and how robust are their disclosures (rights, cash-flow linkages, data governance, rev-share mechanics)?

Liquidity quality – Depth, spreads and slippage on day one; named market-maker relationships; how they deter wash trading.

Compliance clarity – How VASP permissions interact with cross-border healthcare contracts and local data-protection regimes.

Data safeguards – Practical enforcement of consent, anonymisation and revocation; breach response; auditability for enterprise buyers.

Platform risk controls – Margin launch parameters, listing standards, reserve attestations and custody model.

 

Who This Is For

Crypto traders looking for differentiated RWA exposure with transparent cash-flow or utility linkages to real healthcare activity.

Hospitals, labs, insurers and innovators seeking alternative financing and data-exchange rails with built-in incentives and programmable payouts.

Researchers and pharma needing governed access to anonymised, consented real-world data sets.

 

Risk Rating

Investing in the HUMB and other healthcare tokens could be considered High Risk / Speculative. But I would say much less so than some of the meme-coins out their with ludicrous market caps. HUMB is in a serious sector working with serious people.   

Other things to consider: New exchange risk; a niche, highly regulated vertical (healthcare + data protection) with evolving standards (but management are aware of this and are navigating); early liquidity concentration; execution dependency on provider integrations and market-maker depth. 

For sophisticated participants who understand both crypto market structure and healthcare compliance.

 

Bottom Line

After speaking with the founders and reviewing their materials, healthcare-focused cryptocurrency exchange HUMB.io is not trying to be yet another omnibus venue. It is deliberately carving out the healthcare token niche, coupling compliance-minded integrations with a listings pipeline that lives in real world applications such as clinics, labs and insurers.

If the team lands credible first listings, demonstrates quality liquidity, and codifies data governance to enterprise standards, HUMB could become the reference market for healthcare RWAs — a small market today with the potential to compound significantly as tokens get wired into everyday healthcare workflows.

 

Author

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Sam Low is the Founder of LiquidityFinder. With over 18 years in working with FX trading technology, Sam has deep experience in the FX (forex) trading industry, working with brokers, liquidity providers and end traders themselves.  You can message Sam directly here.