Today, more than 1 billion people in low- and middle-income countries lack access to basic healthcare. Predominant out-of- pocket payments lead to medical impoverishment. In 2015, the United Nations included financial risk protection in healthcare among the Sustainable Development Goals (SDGs).
mTOMADY is a platform for financial inclusion in healthcare by providing people with a health savings and payment account on their mobile phone. By using existing mobile money infrastructure, mTOMADY is a closed loop system enabling people to save, send, receive and pay money exclusively for healthcare. mTOMADY serves as a platform for governments, NGOs, and donors allowing for the transfer of conditional or unconditional healthcare funds.