HCX PAY is a purpose-built privacy coin, mining, and oracle network for private transactions in the global consumer, insurance, and health care payment and payout markets. Its competitive advantage is its design for privacy, event-driven and risk-based payments, and the integration of human-level oracles or "Uber" auditors to affect and adjudicate escrow payments and terms leveraging staking and game theoretic management on behalf of future industry partners. 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.