HCX PAY is an outsourced private coin and smart contract network to verify claims and affect payments utilizing crowd-sourced verifiers to adjudicate predefined contract terms. The network will significantly reduce the cost of deploying escrow or pooled-asset businesses including micro-finance, medical cost sharing, and social insurance programs. The HCX PAY business model derives revenue from transaction processing fees. The token which is used on the HCX PAY blockchain is called HCXP. HCXP is a usage or utility token. The HCX PAY team has a proven track record launching payment technology start-ups and working inside world class organizations including Fidelity Investments, Deloitte, Cigna, Lloyds Banking Group, IBM, Microsoft, and ConsenSys.