Case Study:A Big Data and AI-Powered Health Management Platform and Its PRE-RWA Design Solution

A smart healthcare enterprise collects users' health data through wearable devices (such as smart bracelets and smartwatches) and medical-grade sensors, and utilizes big data analytics and AI technologies to provide personalized health management services. The enterprise aims to expand its funding sources through the PRE-RWA model while laying the foundation for future RWA issuance.

The core objective of smart healthcare enterprises is to enhance personal health management efficiency through data-driven approaches, reduce medical costs, and generate additional revenue streams by offering value-added services. Below is a detailed breakdown of their specific data strategy.

Data Acquisition

The enterprise deploys wearable devices (such as smart bracelets and smartwatches) and medical-grade sensors to continuously monitor users' physiological indicators, including but not limited to:

Vital signs: Heart rate, blood pressure, blood oxygen saturation

Lifestyle metrics: Sleep quality, step count, calorie consumption

Health parameters: Respiratory rate, body temperature fluctuations

Additional data sources include user-provided information, such as:

Dietary records

Medication usage

Lifestyle habits

Data Analysis:

Utilizing AI algorithms to deeply process the collected data, generating specific health assessments and intervention recommendations, such as:

Health Risk Assessment Model: Predicts potential disease risks (e.g., cardiovascular diseases, diabetes) based on users' historical data and real-time monitoring results.

Personalized Intervention Plans: Develops tailored health improvement plans (including dietary adjustments, exercise recommendations, and mental health counseling) by analyzing users' physiological indicators and lifestyle habits.

Chronic Disease Management Model: Provides dynamic monitoring and treatment suggestions for chronic disease patients (e.g., hypertension, diabetes) to help control disease progression.

Data Applications:

Transforming data analysis results into concrete service products to meet diverse user needs:

Health Alert System: Dynamically adjusts health warning thresholds based on users' physiological data and behavioral patterns, enabling early detection of potential health issues.

Chronic Disease Management Platform: Integrates historical data and real-time monitoring to deliver personalized treatment advice and lifestyle guidance for chronic disease patients.

Insurance Pricing Optimization Service: Assists insurance companies in more accurately assessing users' health risks through data analysis, enabling the formulation of fair premium schemes.

Practical Data Scenarios for Enterprise Operations

Scenario 1: Health Alert System

Objective: Enable early detection of potential health issues to reduce the risk of sudden illnesses.

Implementation Approach:

Real-time Data Collection: Continuously monitor key physiological indicators including heart rate, blood pressure, and blood oxygen saturation.

AI-Powered Analysis: Utilize AI algorithms to analyze data trends and identify abnormal patterns (e.g., tachycardia, significant blood pressure fluctuations).

Dynamic Threshold Adjustment: Set personalized alert thresholds based on user-specific factors such as age, gender, and medical history.

Instant Notification & Guidance: Send alerts via mobile app or SMS when abnormalities are detected, accompanied by preliminary self-care recommendations.

Scenario 2: Chronic Disease Management Platform

Objective: Empower chronic disease patients to better manage their conditions and minimize complications.

Implementation Approach:

Daily Monitoring & Visualization: Track critical metrics like blood glucose and blood pressure daily, generating trend charts for easy interpretation.

Personalized Treatment Guidance: Provide tailored recommendations including medication dosage adjustments, dietary plans, and exercise regimens.

Health Education: Regularly deliver educational content to enhance patients' understanding of disease management.

Doctor-Patient Connectivity: Enable remote data access for physicians and facilitate secure online consultations.

Scenario 3: Insurance Pricing Optimization

Objective: Assist insurance companies in accurately assessing health risks to develop fair premium strategies.

Implementation Approach:

Comprehensive Data Collection: Aggregate user health data (e.g., medical exam reports, daily monitoring records) and lifestyle information.

Risk Scoring Model: Apply big data analytics to calculate individual health risk scores.

Premium Personalization: Support insurers in refining pricing strategies—e.g., offering discounts to low-risk individuals based on health score assessments.

Monetizing Data Scenarios: Development of Commercial Data Products

Core Product: Intelligent Health Management SaaS Platform

① Functional Modules

Health Monitoring Module: Real-time visualization of users' physiological indicators with trend chart generation.

Risk Assessment Module: AI-powered prediction of potential disease risks and personalized improvement recommendations.

Chronic Disease Management Module: Tailored treatment plans and lifestyle guidance for chronic disease patients.

Physician Collaboration Module: Secure remote access to patient data and real-time doctor-patient communication.

② Target User Segments

Individual Users: Subscription-based model (monthly/yearly billing).

Corporate Clients: Employee health management services charged per capita.

Medical Institutions: Customized solutions with project-based pricing.

③ Operational Model

Freemium strategy: "Free trial + premium feature upgrade" to convert users to paid plans.

④ Value-Added Service: Health Data Monetization

Service Offerings:

Sale of anonymized health data to research institutions, pharmaceutical companies, and insurers for research/product development.

Data analytics services to help enterprises optimize health data utilization.

⑤ Implementation Details

Data Privacy Compliance:

Strict anonymization protocols ensuring adherence to GDPR and HIPAA standards.

Third-party audit partnerships for periodic compliance verification.

Revenue Streams:

Commission from anonymized data sales.

Project-based fees for customized data analytics services.

PRE-RWA (Pre-Issuance Real World Asset Tokenization) - An Innovative Fundraising Solution Based on China's Compliant NFR Model

Developed by YouShu Technology, PRE-RWA represents an innovative fundraising approach grounded in China's regulated digital rights (NFR) framework. Its core objective is to transform physical or data assets into tradable digital equity through digital means, offering investors diversified income streams. Simultaneously, PRE-RWA serves as a foundational framework for future RWA (Real World Asset Tokenization) issuances.

Key Features of PRE-RWA:

Diversified Equity Structure

Investors may receive:
✓ Cash dividends
✓ Preemptive subscription rights
✓ Physical asset acquisition options
✓ Digital IP-related benefits

Compliance Assurance

All asset data is recorded on-chain with legal certification

Equity contracts are professionally structured by law firms to ensure compliance with:
• Domestic regulatory policies
• International standards

Global Integration

PRE-RWA holders can seamlessly convert to RWA tokens for participation in global asset allocation.

PRE-RWA Operational Process: Key Implementation Phases

The PRE-RWA workflow typically consists of the following structured stages:

Regulatory Compliance & Filing

Collaborate with relevant regulatory authorities to design and file the compliance framework for NFR issuance

Asset Tokenization & Blockchain Recording

Record underlying asset data (e.g., equipment information, operational metrics) on-chain to ensure transparency and traceability

Market Promotion & Investor Engagement

Present project value to potential investors through roadshows, industry summits, and other promotional channels

Regulated Digital Asset Issuance

Conduct public offering of NFRs on designated compliant digital asset trading platforms

Fund Custody & Management

Entrust raised capital to professional custodial institutions for segregated, purpose-specific usage

Benefit Realization & Rights Fulfillment

Gradually deliver investor entitlements (e.g., dividend rights, preemptive subscription privileges) aligned with project milestones.

Investor Returns through PRE-RWA Participation

Investors in PRE-RWA can obtain the following multiple revenue streams:

Cash Flow Dividends

Pro-rata sharing of project-generated operational revenues (e.g., platform service fees, carbon credit trading income)

RWA Token Appreciation

Potential additional returns through international market trading after future conversion of PRE-RWA to RWA tokens

Physical Asset Acquisition Rights

Option to either:
✓ Receive selected physical assets (e.g., IoT devices) at no cost upon maturity, or
✓ Continue holding dividend rights for ongoing benefits

Digital IP Premium Benefits

Complimentary limited-edition digital collectibles (e.g., smart healthcare NFTs) to enhance overall investment yield.

Core Assets for PRE - RW A Structuring: Smart Agriculture & Healthcare Case Analysis

I. Primary Assets for PRE - RWA Foundation (Smart Agriculture Case)

The following assets can serve as the underlying collateral for PRE - RWA issuance:

IoT Infrastructure: Hardware devices such as soil sensors, weather stations, and drones.

Data Assets: Data including farmland environmental monitoring data, crop growth analytics, and pest and disease prediction models.

Carbon Credit Assets: Carbon rights generated through emissions accounting, which have verifiable market value.

Platform Revenue: Service fees from smart agriculture SaaS platforms and value - added offerings.

II. PRE - RWA Structuring Design (Healthcare Application Example)

A. Equity Structure Framework

Cash Flow Dividends Investors receive proportional distributions from the smart health management platform's service revenue (including health data monetization income). The distribution is calculated based on the NFR holding percentages, with semi - annual payouts (twice a year). The revenue sources include SaaS subscription fees, data analytics services, and precision insurance pricing collaborations.

RWA Token Priority Rights NFR holders gain early access to future RWA token issuances at a 10 - 20% discount compared to the public market pricing. This mechanism is designed to encourage long - term holding and lay the foundation for subsequent RWA offerings.

Physical Asset Redemption After the lock - up period (3 years), investors have two options. They can choose to receive complimentary wearable devices (such as smart bands or smart watches), or they can opt to continue holding dividend rights to participate in subsequent profit distributions.

Digital IP Benefits Investors are given exclusive "Health Guardian NFTs" as an additional benefit. These NFTs not only have collectible value but may also unlock more privileges in the future, such as priority health consultations or early access to new features.

B. Issuance Parameters

The total offering amount is 80 million yuan. The minimum investment is 20,000 yuan, which is suitable for individual investors and small and medium - sized enterprises. At the same time, higher - value customized plans are provided to attract institutional investors. The lock - up period is 3 years. After the expiration of the lock - up period, investors can choose to exit, convert to other asset forms, or continue to hold dividend rights.

C. Issuance Pathways

1. Domestic Phase

Regulatory Compliance The enterprise collaborates with local financial regulatory authorities to ensure that data processing complies with the Personal Information Protection Law.

Asset Tokenization Blockchain technology is used to achieve data transparency and immutability. Third - party audits are introduced, and regular reports are published.

Marketing Strategy Offline summits are used to attract institutional investors, while online live broadcasts and social media promotions are used to attract high - net - worth clients and individual investors.

Distribution NFRs are sold on compliant platforms, supporting multiple payment methods and simplifying the subscription process.

Fund Supervision Professional custodian institutions manage the funds, and the use of funds is disclosed quarterly to ensure transparency.

2. International Transition

Equity Conversion NFR holders can apply to convert their NFRs into RWA token priority subscription rights. The conversion ratio is dynamically adjusted according to performance and is supervised by professional institutions to ensure fairness.

Data Migration All underlying asset data is synchronized to international compliant exchanges to ensure data security and privacy protection, in line with international data governance standards.

D. Expected Returns Model

Taking into account the platform service fee income, health data monetization income, and the future appreciation potential of RWA tokens, the smart medical enterprise expects an annualized yield range of 16% to 22%. The following is an analysis of the specific income sources:

Platform Revenue Streams

SaaS Subscriptions: It is estimated that 100,000 new users will be added each year, with each user paying a monthly subscription fee of 50 yuan. The annual income is about 60 million yuan.

Enterprise Analytics: Customized solutions are provided for enterprise clients, with an estimated annual income of 20 million yuan.

Health Data Monetization

Institutional Sales: Anonymous health data is sold to scientific research institutions, pharmaceutical companies, and insurance companies, with an estimated annual income of 30 million yuan.

Data Services: Services are provided to help clients use health data more efficiently, with an estimated annual income of 10 million yuan.

RWA Token Appreciation As the user base of the smart medical platform expands and its technology is upgraded, the value of RWA tokens is expected to continue to grow, bringing additional income to investors.

After successfully raising funds and completing asset digitization during the PRE-RWA phase, the smart healthcare enterprise can further advance to the RWA (Real World Assets) issuance stage. The following is a more detailed supplement, including preparations for RWA issuance, processes, and specific implementations for global asset allocation.

Before entering the RWA issuance stage, the enterprise needs to complete the following preparatory work:

(1) Asset Selection

Health Data Assets: Package the anonymized health data (such as heart rate, blood pressure, blood oxygen saturation, etc.) collected by the platform as underlying assets. These data are of high value and can be used in fields such as scientific research, drug development, and insurance pricing.

Wearable Device Assets: Include deployed smart bracelets, smartwatches, and other hardware devices in the underlying assets to enhance the diversity of the asset portfolio.

Data Monetization Income: Use the data monetization income generated by the platform's cooperation with scientific research institutions and insurance companies as one of the future cash flow sources.

(2) Data Governance

Data Notarization: Use blockchain technology to record all health data, device information, and operational records on the chain to ensure the authenticity and immutability of the data.

International Certification: Cooperate with internationally renowned data governance institutions to obtain relevant certifications such as ISO/IEC 27001 (Information Security Management System) and ISO/IEC 38500 (Data Governance Standard).

Privacy Protection: Strictly abide by the General Data Protection Regulation (GDPR) and the Health Insurance Portability and Accountability Act (HIPAA) to ensure that users' privacy is fully protected.

(3) Legal Compliance

Rights Contract Design: Professional law firms draft RWA rights contracts, clarifying the following terms:

Income Distribution Mechanism: Specify the dividend ratio, payment frequency, and calculation method to ensure transparency and fairness.

Exit Mechanism: Clearly define how investors can exit through secondary market transactions or repurchase plans.

Rights Protection: Protect investors' preemptive subscription rights and other legitimate rights and interests.

Regulatory Filing: Cooperate with the Hong Kong Securities and Futures Commission (SFC) or other international regulatory agencies to complete the compliance filing for RWA token issuance.

(1) Rights Conversion

After the lock-up period of PRE-RWA ends, NFR holders can apply to convert their shares into RWA token priority subscription rights. The specific conversion ratio is dynamically adjusted based on the performance during the PRE-RWA stage. For example:

If the platform performs excellently (such as exceeding user growth expectations, significant revenue growth), the conversion ratio may be higher.

If the platform performs averagely, the conversion ratio remains at the benchmark level.

(2) International Trading Platform

Exchange Selection: List the RWA tokens on international compliant exchanges (such as the Hong Kong Stock Exchange, Singapore Digital Asset Exchange, or European MIDAS platform) to attract more global investors.

Liquidity Support: Introduce a market - maker mechanism to ensure the liquidity of RWA tokens in the secondary market and reduce price fluctuation risks.

Investor Education: Through online seminars, white paper releases, etc., introduce the value and prospects of the smart healthcare platform to potential investors.

(3) Hong Kong Dollar Denomination

The RWA tokens are denominated in Hong Kong dollars to reduce the impact of exchange rate fluctuations on investors.

The underwriting institution is undertaken by a Hong Kong SFC - licensed institution to ensure the professionalism and compliance of the issuance process.

(1) Target Market

Asian Market: Focus on attracting investors from mainland China, Hong Kong, Singapore, etc., leveraging the regional advantages in medical technology policies.

European and American Markets: Promote RWA tokens through international exchanges to attract overseas investors interested in the health industry and sustainable development.

(2) Investment Appeal

Long - Term Growth Dividends: Investors can share the long - term growth returns of the smart health management platform by holding RWA tokens, including platform service fee income, health data monetization income, and value - added brought by technological innovation.

Diversified Asset Portfolio: RWA tokens cover various asset categories such as health data, wearable devices, and data monetization income, providing investors with a diversified investment portfolio.

(3) Value - Added Services

Health Data Analysis Reports: Regularly provide investors with platform health data analysis reports to help them better understand the value of the assets.

Industry Cooperation Opportunities: Assist investors in participating in strategic cooperation in the field of smart healthcare, such as jointly developing new products with pharmaceutical companies or insurance companies.

Through RWA issuance, smart healthcare enterprises not only realize the globalization of fund-raising but also further enhance the liquidity and market recognition of assets. This model provides investors with opportunities to participate in medical technology innovation and creates conditions for enterprises to expand into international markets. In the future, with the continuous development of the RWA market, smart healthcare enterprises are expected to become industry benchmarks, pushing the digitalization and sustainable development of the health industry to a new level.