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Families
Sharing healthcare costs with parents, children, or siblings.
Providers
Reducing bad debt, admin, and payment delays.
Regulatory Structure
Operates under hosted AFSL/ACL model
Client funds and stored value issued/held by regulated banking partner
AUSTRAC registration pathway defined
AML/CTF framework implemented
2026 Roadmap
Execution Milestones
2025
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National market validation survey completed (100+ respondents)
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Information Memorandum completed
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Regulatory & Risk Summary prepared for banking partners
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Partnership brief developed for hosted-licence discussions
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Investment feature pathway structured via licensed partner (dividend redirect concept)
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Compliance roadmap formalized (AUSTRAC registration pathway defined)
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Early provider pilot discussions initiated
2026 and beyond
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MVP complete
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Compliance stack ready
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Target 10 providers and 500 individuals for pilot
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Hosted license executed
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Production-grade risk reporting
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Target 1,000 active users
Use of Funds
Regulatory access & hosting
Payments engine & cloud infrastructure
Risk & compliance
Provider pilot rollout
Capital Deployment
Investor Contact
Dr Kyle R Joseph
Founder & Managing Director
Fractal Pay Pty Ltd
Sydney, Australia