FAQ · The questions everyone asks first
What people ask before they sign up.
Plain answers, no marketing varnish, every claim sourced to a page you can verify on the public chain.
Q1
What is Conceptual Health®, in one paragraph?
A healthcare network organized around a single eight-axis equation — Sleep, Spirituality, Connection, Trust, Energy, Practice, Engagement, Resilience — that turns ordinary clinical events into a verifiable score and pays a token (HCR) for sustained adherence. Eleven properties — clinics, pharmacy, exchange, university, social, vault, and the rest — share one ledger, one identity, and one constitution. We are a patient-owned operating company; the underlying math, the chain, and the equation are governed by an independent Council.
Q2
Is HCR a stablecoin? Is HCC a stablecoin?
HCR is a health rebate token: a covenant-issued token that pays for clinically-anchored adherence. It is not pegged to USD, is not backed by a fiat reserve, and is not redeemable for cash. It is redeemable inside the network for clinic copays, pharmacy fills, exchange fees, and a small set of partner credits. HCC is a health-data commodity unit: it floats on hc.exchange against patient-permissioned data flows, has no peg, and is bought by researchers and payers with USD or other tokens. Neither token is a security in our position; both are scrutinized by Council and counsel.
Q3
Do I need to use the chain to use a clinic?
No. A patient can walk into any Conceptual Health® clinic, see a clinician, get a prescription, and leave without ever touching the chain, the wallet, or the token. The chain anchors the audit trail and the rebate accounting; the clinic care itself is ordinary medicine practiced by licensed clinicians. We accept Medicare, Medicaid, commercial insurance, and self-pay. The token is opt-in. The clinic is not.
Q4
Who owns my data?
You do. Datavault holds your records under your encryption keys; we (the operating company) hold one ciphertext copy under a separate key we cannot use without your consent or a valid legal order. We never sell identifiable data. The HCC market on hc.exchange trades aggregated, patient-permissioned data flows; you decide which flows are eligible, you can opt out at any time, and we publish every research transaction on the public chain.
Q5
Is this legal?
Yes, and we have built the work to demonstrate it. Clinics are state-licensed, providers are state-licensed, the pharmacy is state-licensed, the exchange is registered as an Alternative Trading System with the SEC and as a Money Services Business with FinCEN, the chain operates under an OCC Trust charter, the church is a 501(c)(3) IRS-recognized religious corporation, and the university is registered as a continuing-education provider. We publish the actual filings on the corporate site under SEC Filings.
Q6
What happens to my account if Conceptual Healthcare Corporation goes away?
The chain, the equation, the token contracts, and the audit trail outlive the operating company. The Council holds the constitution and would appoint a successor operator under a documented procedure. Your wallet keys, your Datavault keys, and your records are yours; they do not depend on us continuing to exist. We have published the wind-down playbook on the corporate site and a court-facing copy is on file with our regulators.
Q7
How do you make money?
Three ways. (1) Clinic and pharmacy revenue at standard insurance reimbursement and self-pay rates. (2) hc.exchange transaction fees, capped at the published schedule on the exchange site. (3) HCC transaction fees from research-data buyers, capped likewise. We do not run advertising on any property. We do not sell identifiable data. We do not earn a margin on token issuance — HCR is issued at the covenant rate set by the Council.
Q8
Can I trust the eight-axis score?
The score is mathematical and the inputs are auditable. Every event that moves your score is anchored to the public chain with the policy clause that scored it. You can re-derive your score from your raw events at any time using the published equation; you can also export the events and ask a third-party data scientist to re-derive it. The score is honest by construction — it has to be, because anyone can check.
Q9
What if I lose my keys?
Use recovery.conceptualhealth.com — a multi-method recovery flow using social recovery via designated successors, a Council-witnessed identity verification path, and a hardware-backed escrow. Recovery does not require us to hold your keys; it works through cryptographic protocols you control at signup. The full mechanism is on the recovery site.
Q10
Why should I trust you specifically?
Don't, in the abstract. Trust the receipts. Every rebate, every prescription, every audit decision, every Council vote, every appeal reversal, every government request is anchored to a chain the Corporation does not control. We publish the unflattering numbers. We publish the bugs we shipped. We publish the regulators' letters. We publish what we got wrong last quarter. If we ever stop publishing, the chain is still there and you can read it without us.