Healthcare Financing Innovation
When Pain Strikes, Money Shouldn't Be the First Emergency.
MenoDAO is an incubated mutual-aid initiative exploring how collective micro-contributions can shield families from catastrophic out-of-pocket dental costs.
Operating Rules
Controlled Pilot Testing| Component | Specification |
|---|---|
| Baseline Monthly Tier | Structured tier starting at KES 350/month |
| Currency Rails | 100% Fiat/KES via audited M-PESA channels |
| Virtual Assets Policy | Zero cryptocurrency, zero stablecoins, zero tokens |
| Settlement Target | Direct claim reimbursement to the anchor clinical facility upon authorized treatment |
| Pilot Status | Controlled pilot testing solvency and claim verification in Mombasa |
The Four-Step Human Flow Model
Step 1
Community Enrollment
Families, informal workers, and school parents register during outreach dialogues.
Step 2
Micro-Care Contributions
Regular voluntary contributions from KES 350/month via mobile money into an audited pool.
Step 3
Screening & Presentation
Member or dependent presents at the anchor clinical base with an active membership record.
Step 4
Direct Claim Settlement
Pool pays pre-negotiated clinical fees directly to Mikindani Hospital Dental Unit; patient receives care without high out-of-pocket debt.
Financial & Regulatory Safeguards
- VASP Exemption: strictly fiat/KES via mobile money — no crypto-assets, tokens, or custodial wallets, exempting it from Kenyan VASP liquidity mandates.
- Closed-loop disbursement directly to the registered facility Till/Paybill.
- Controlled pilot scope, intentionally small cohort in Mombasa before countywide scaling.