AIOT builds a HealthFi protocol centered on smart hardware and blockchain, transforming health data from mere collection to value creation.

I. Strategic Upgrade: The AI-Native HealthFi Protocol

AIOT is leading a transformation that bridges smart hardware, health data, and payment networks.
At its core lies an AI-native HealthFi protocol driven by the Health-to-Earn (H2E) model — where personal data such as movement, sleep, and heart rate is verified and tokenized on-chain, turning everyday health activity into measurable, tradable digital assets.

The global digital health market is expanding rapidly. In 2024, it was valued at approximately USD 28.8 billion, and is projected to reach USD 94.6 billion by 2030, with an annual growth rate exceeding 20%. Meanwhile, blockchain adoption in healthcare is accelerating from the billions toward the tens of billions, becoming a new engine of industry growth.

Within this architecture, AIOT and its native token $AIOT serve four essential roles:

• Incentive medium: Users earn tokens by wearing devices, completing tasks, or contributing verified health data.
• Transaction unit: Institutions pay in $AIOT for authorized access to anonymized health data and AI-driven analysis services.
• Governance tool: Token holders participate in ecosystem decision-making and node reward allocation.
• Value anchor: As data quality and network scale grow, $AIOT’s intrinsic value strengthens through network effects.

This model validates AIOT’s strategic foresight — transforming health data into assets is not only an emerging market opportunity but also one of the most certain growth directions for the next decade. AIOT’s mission is to return data ownership to users and, through decentralized technology, unlock both economic and social value, accelerating the formation of a global HealthFi ecosystem.

II. Dual Collaboration: Ecosystem Expansion and Payment Integration

Alpha World — Activating Liquidity and Co-Governance

Alpha World is a Web3 digital finance platform built for the Binance Alpha ecosystem, designed to enhance liquidity and community engagement for early-stage projects.
AIOT became its first listed asset and, on October 16, 2025 (22:39 UTC+8), successfully completed the final phase of a 5,000,000 $AIOT liquidity injection, officially launching a comprehensive liquidity enhancement program.

Through Alpha World’s structured fund-management and community co-governance model, AIOT achieved sustainable liquidity release, establishing a virtuous cycle driven by projects, users, and the platform itself.
This collaboration not only strengthened $AIOT’s market depth and trading activity but also provided a sustainable liquidity paradigm for DePIN-class projects — accelerating HealthFi’s integration within the Binance Alpha ecosystem.

MasterPay Group — Strategic Investment and Financial-Grade Payment Integration

MasterPay Group has announced a multi-million-dollar strategic investment in AIOT, marking AIOT’s entry into the era of financial-grade payment convergence — injecting real-world utility and global compliance capacity into the HealthFi ecosystem.

Today’s Web3 payment infrastructure still faces three critical bottlenecks:
slow exchange withdrawals, limited merchant acceptance, and high user friction.
MasterPay aims to bridge the “last mile” of crypto usability, enabling seamless everyday spending through a single smart card — allowing users to spend crypto freely at over 80 million merchants worldwide, turning the vision of “from exchanges to everyday life” into reality.

Backed by partners such as Mastercard, DBS, the Central Bank of Malaysia, and the Malaysian Royal Family, MasterPay combines financial-grade payment, custody, and compliance infrastructure with AIOT’s AI + IoT + blockchain data network, creating a complete value cycle from health behavior → digital asset → real-world payment.

The jointly launched AIOT Direct Pay allows users to spend H2E-earned $AIOT directly for global consumption, remittance, and settlement, while also supporting mainstream crypto assets.
As financial-grade payment infrastructure merges with decentralized HealthFi protocols, a new value-driven growth cycle has begun.

III. Product Matrix: The AIOT Watch and Direct Pay Synergy

AIOT Watch — The Intelligent Gateway to HealthFi

The AIOT Watch is the flagship hardware of the AIOT ecosystem and the physical node of the HealthFi protocol.
Built on an “AI + Health Data + Blockchain” framework, it supports multi-dimensional monitoring — including heart rate, blood pressure, oxygen saturation, and ECG — while using an AI engine to generate personalized health reports, completing the full cycle from data capture to on-chain verification.

Powered by the H2E mechanism, the watch transforms healthy behavior into real economic value.
Users earn continuous rewards through daily activity, achieve bonuses by completing personalized goals or joining community challenges, and unlock free global eSIM data by staking $AIOT.
The device also supports standalone calling, QR-based payment, AI voice assistance, and global roaming — merging health management with intelligent living.

The AIOT Watch is more than a wearable — it is a network entry node where health behavior becomes a verifiable and value-generating economic activity.

AIOT Direct Pay — Bridging On-Chain Assets and Real-World Spending

AIOT Direct Pay serves as the real-world payment channel of the AIOT ecosystem, issued by MasterPay and integrated with the Visa global network.
Users can spend $AIOT earned via H2E or other mainstream cryptocurrencies for worldwide purchases and cross-border settlements, making digital assets truly usable in daily life.

Its layered account architecture securely isolates on-chain assets from card balances, while the instant top-up mechanism automatically optimizes exchange rates, minimizing conversion loss and volatility risk.
In the future, AIOT Direct Pay will integrate NFC with the AIOT Watch to form a seamless “movement → incentive → payment” loop — enabling health data to circulate naturally within the broader economic system.

This synergy signifies AIOT’s full integration along the path of asset verification → value generation → real-world utility, establishing HealthFi’s first commercially viable model.

IV. Technology and Security: The Trusted Core of the Protocol

AIOT’s architecture consists of four layers forming the technological foundation of the HealthFi ecosystem:

• Physical Trust Layer: DePIN hardware equipped with TEE secure chips enables data encryption and digital signatures at the point of origin, ensuring authenticity and immutability.
• Connectivity & Settlement Layer: A dedicated IoT Rollup chain enables high-frequency, low-cost reward settlements and $AIOT transactions. The global eSIM aggregation network ensures stable connectivity, with staking incentives that provide free data access — giving $AIOT both financial and practical utility.
• AI & Health Data Economy Layer: The AI Health Assistant delivers personalized insights based on user-authorized data. The decentralized data marketplace enables institutions to access anonymized datasets through privacy computing, generating continuous external cash flow.
• Application & Ecosystem Layer: Integrates H2E tasks, health visualization, AI services, and asset management — building a unified hub for user interaction between health and wealth.

Together, these layers form the technical cornerstone of AIOT — a secure, scalable, and sustainable infrastructure for HealthFi.

V. Ecosystem Outlook: AIOT Leading the Web3 Health Economy

With Alpha World’s liquidity integration, MasterPay’s financial infrastructure, and the growing AIOT hardware ecosystem, AIOT is constructing a decentralized health finance network powered by AI, blockchain, and real-world data.

This evolution represents not just product innovation, but a structural transformation of the digital health economy — enabling health data to become verifiable, ownable, and monetizable by individuals themselves.

In the coming phase, AIOT will advance its HealthFi testnet, expand partnerships with medical and research institutions, and enable compliant circulation of anonymized health data.
Through the synergy of the AIOT Watch and AIOT Direct Pay, it will gradually realize a globalized HealthFi loop — from data ownership to value generation to real-world payment.

From health to wealth, from asset creation to everyday utility, AIOT is setting a global benchmark for the Web3 health economy — defining the economic framework of the digital health future.

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