The Unaffiliated Payment Network

Healthcare payments. Broken at every layer.
We rebuilt them.

FHIR clinical data and L3 payment data move together as one transaction. Auto-substantiation, T+0 settlement, and one continuous story for the patient.

For Issuers →
SmartHSA Bank demo
For Healthcare Providers →
Howlite Medical Center demo

Two broken layers

Payments and data live apart. Both have failed at scale.

Layer 1 · Payments
Slow, expensive, opaque.
  • T+2–T+5 settlement delays
  • 3.5% interchange fees
  • $50B annual friction
Layer 2 · Data
Siloed, manual, error-prone.
  • Clinical and payment data live in silos
  • $Bn billing errors annually
  • 80% manual compliance burden
When clinical (FHIR) and payment (L3) data move together as one transaction, substantiation is automatic, errors collapse, and the patient finally sees one continuous story.

How it works

1
Connect
Patient links their insurer and clinical providers via FHIR.
2
Substantiate
FHIR + L3 data validate eligibility automatically at point of sale.
3
Settle
T+0 same-day settlement to providers. No waiting, no float.

Two doors. One platform.

Choose your demo.

For Issuers
SmartHSA Bank
  • Auto-substantiation via FHIR + L3
  • 80%+ compliance burden reduction
  • New routing revenue per enabled card
See it live →
For Healthcare Providers
Howlite Medical Center
  • T+0 same-day settlement
  • 60% lower processing cost
  • Patient-friendly billing with AI bill review
See it live →
AI intelligence layer · Powered by Peoplecare.ai

Where the data becomes useful

Bill Review
AI flags billing discrepancies before you pay.
Care Prep
Personalized prep packages before each visit.
Care Companion
Conversational AI grounded in your records.
$0B
Card spend target
0%
Lower cost
T+0
Settlement
0%
Compliance reduction

Get in touch

Demo, integration, or partnership questions — we'll get back to you.

info@howlitecorp.com
© 2026 Howlite Corp · All demos run on the same Howlite platform.