Howlite plugs into your existing Visa or Mastercard HSA program as an intelligent routing layer — delivering up to 60% lower costs, AI-powered claims review, Level III FHIR enrichment, and real-time USDC settlement. Same card. Zero disruption.
The Opportunity
Healthcare payments were never designed for the HSA era. The inefficiency is measurable — and the opportunity is yours to capture.
The Problem
The infrastructure between your HSA card program and healthcare merchants was built for a different era. It's costing you — and your cardholders — every single day.
Manual IIAS/SIGIS verification, after-the-fact substantiation audits, and paper receipt collection create operational overhead that scales with every transaction.
Traditional batch processing means providers wait days for funds. The settlement window creates chargeback exposure, stresses cash flow, and adds wire fees on every transaction.
2.5–3.5% per transaction adds up to hundreds of thousands annually. Legacy card networks embed hidden fees at every step — assessment surcharges, network fees, and more.
How It Works
Howlite operates beneath the surface of every HSA transaction. No new card. No merchant integration. No consumer re-enrollment. It just works.
Member uses their existing HSA Visa or Mastercard. No new card. No app required.
Transaction intercepted on existing rails. FHIR fields, ICD/CPT codes, and eligibility attached — then AI scans the claim for billing errors, upcoding, and duplicates before approval.
Member sees eligibility, plan coverage, and HSA balance. Approves with full context. Zero surprises.
Provider receives funds as USDC on Hedera — same day, every day. No banking-hours restriction.
Transaction data flows into consumer's Personal Health Record automatically — ICD/CPT coded and archived.
The SmartHSA Bank Advantage
Fixed flat-fee per transaction replaces percentage-based interchange. Eliminates the 2.5–3.5% network markup embedded in every legacy transaction.
Every transaction carries Level III data, FHIR-compatible healthcare fields, ICD/CPT codes, and full audit trails — so you know exactly what every dollar represents.
USDC-powered settlement on Hedera Hashgraph compresses the traditional 2–5 day window to near-instant. Funds available 24/7 — including weekends and holidays.
AI Claims Intelligence
The richness of FHIR data isn't just about compliance — it's the raw material for AI that reviews every claim and EOB for billing errors, upcoding, and duplicate charges. In real time. Before funds move. Every stakeholder in the ecosystem wins.
AI flags billing anomalies before settlement — cutting chargebacks, thinning dispute queues, and delivering clean audit trails automatically. Fewer exceptions. Lower operational cost.
Accurate billing means fewer rejected claims and faster reimbursements. Providers receive clean payment on the first pass — no rework, no write-offs, no appeals queue eating into margins.
Overpayments caught. Duplicate charges stopped. Every EOB explained in plain language and stored in their Personal Health Record — automatically. A payment network that genuinely has their back.
Head to Head
Partnership Models
A structured model where every stakeholder benefits from better payments infrastructure. Pick the depth that fits your strategy.
White-label Howlite's payment infrastructure under your brand. Your customers see your card — powered by Howlite's real-time compliance and settlement engine.
Split the efficiency delta from reduced interchange and faster settlement. Both parties earn more as transaction volume grows. Aligned incentives from day one.
Option for equity participation tied to deployment milestones. Lock in early-mover advantage in the healthcare payments infrastructure layer before competitors.
Live Product
Cards issued. Transactions processing. Real-time settlement active. Compliance engine operational. You're not betting on a roadmap — you're joining live infrastructure.