HCX PAY is a private coin and smart contract network powering consumer applications and marketplaces. The network will significantly reduce the cost of purchasing and selling investment, insurance, and health related products and services. 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.