Unique to the ICO world is a real company with real products and solutions. Blüpass is a product born from innovation as we have solved reconciliation headaches for over six years. Blüpass will change everything that is deficient in the Healthcare industry and transform it into a consumer centric, egalitarian model. For many years, carriers and providers have worked tirelessly to reduce overhead due to fraud and problematic HIPAA Privacy and Security regulations in regards to billing and electronic medical records, all at the detriment to the consumer claim process and data ownership. By utilizing Blockchain technology to build our platform, we will transform the way data flows between each simultaneously. We will solve all three client components at once. Blüpass is a consumer driven platform that solves claims processing delays, provider overhead, and carrier claims fraud. Insurance claim inaccuracies alone costs patients and providers up to $600-800 billion annually. Blüpass benefits from the existing payment structure, HRaspirin. Our payment reconciliation system allows for various groups, businesses, associations, unions, or individuals to establish traditional individual groups or group platform benefits and eliminate human resource administration of the benefits plan. We collect premiums, reconcile invoices automatically, monitor individuals for missed premiums, and consolidate multiple carrier invoices with our proprietary software. We will use Blüpass blockchain ledgers to verify premiums instantly against policy information to enable guarantees on claims. HRaspirin’s success positions Blüpass with enormous options for positive growth from day one. Blüpass will enhance HRaspirin’s client experience via instant verification of consumer premiums, policy provisions, and providers universal coding to enable settlement of specified provisions at the time of service.