By Noel J. Guillama-Alvarez
Since January 20, 2025, we’ve witnessed dramatic shifts in the U.S. Government’s approach to crypto. One of the most notable changes is the U.S. government’s 180-degree turn on cryptocurrency policy, signaling a much more constructive—and even capitalistic—stance on the industry.
After years of regulatory uncertainty and resistance that at times seemed almost like warfare—both civil and criminal—new developments now show a growing recognition of blockchain’s potential. Key changes include the appointment of an Artificial Intelligence (AI) & Crypto Czar to guide national policy, which we found particularly interesting as it aligns two components of our own project.
Additionally, the executive order that endorses blockchain innovation, the creation of a dedicated crypto task force by the U.S. Securities and Exchange Commission (SEC), and the repeal of Staff Accounting Bulletin 121 (SAB 121)—which had previously restricted U.S. regulated banks from holding digital assets for customers—mark foundational moves toward a more clear and supportive regulatory framework for the industry.
Some of these changes are immediate, while others demonstrate a shift from confrontation to collaboration, offering optimism to entrepreneurs, investors, and developers who wish to build in the U.S., rather than seek more crypto-friendly jurisdictions abroad. For us, with our soon-to-be-released Health Data Token, we considered options in Malta, the UAE, Singapore, Switzerland, and even the Bahamas—but we’d prefer to operate here, under the regulatory framework of the SEC, with which we’ve been working for the last 30 years.
In a video linked below, SEC Crypto Task Force Head Commissioner Hester Peirce discusses crypto regulation, innovation, exchange filings, and meme coins during a Bloomberg interview. The 13-minute clip is worth watching, as we were surprised by her candidness and the SEC’s new position on Crypto and Tokens. Here’s a key comment from her interview:
[3:38] “We actually have a very flexible regulatory framework. Congress saw the need to give us executive authority, for example. We have the ability to use these things, and instead, we’ve just put roadblock after roadblock up against people trying to come in and talk to us, or trying to register as we’ve asked them to do. All I’m asking is that we have an innovation policy that allows people to innovate and try new things. It applies across the board, not just crypto. Watching what’s happened to crypto over the past several years has been extremely frustrating for someone who believes that government is there to serve the American people, not to stymie them when they’re trying new things.”
In another part of her interview, Commissioner Peirce elaborated on the innovation she’s witnessed in the crypto space, specifically the legitimate use of crypto and blockchain for transactions between people who don’t know each other, across the globe. She sees potential for the eventual integration of blockchain into traditional financial systems and believes that the financial framework is flexible enough to regulate certain products while leaving others unregulated.
She even commented that many of the meme coins out there “probably do not have a home” within the SEC’s current regulatory set.
We’ve also noted in previous blogs how the restrictive stance of the SEC has stymied capital formation, leaving retail investors unable to participate in the early stages of companies. This has pushed many to venture capital and private equity, as Initial Public Offerings (IPOs) have dropped by 80% over the past 25 years.
Where Health Data, Artificial Intelligence, and Tokens Come Together
Over the years, we’ve come to understand the tremendous value of health data—whether as a regulated insurance provider, a company providing care in our medical centers, or as a builder of multiple healthcare software platforms, including three Electronic Health Records (EHR) systems. We’ve also been early adopters of complex healthcare algorithms, medical decision support systems, expert systems, machine learning, and, eventually, artificial intelligence (AI) technologies like transformers and GPUs.
In fact, we saw the potential for integrating crypto/tokens in health data as early as 2019, when we filed a patent application. This vision has now come to fruition.
While the technology has long been available, the biggest obstacle has always been the regulatory environment. In the past, even a simple reference to a token in our project would have been deemed “toxic” by investors and venture capital firms.
Now, that “pin” has dropped, and we see a one-of-a-kind opportunity to impact healthcare. By bringing more data to researchers, empowering consumers like never before, and compensating them for their de-identified data in innovative ways, we’re setting a new standard. As the visionary entrepreneur Peter Thiel has said, “Real innovation is not made through incremental changes, but by taking bold moves and seizing opportunities when no one else sees them.”
We aim to go beyond the current horizon in consumer health data aggregation and control, acting not just to change the game but to revolutionize it.
About HealthScoreAI ™
Healthcare is at a tipping point, and HealthScoreAI is positioning to revolutionize the industry by giving consumers control over their health data and unlocking its immense value. U.S. healthcare annual spending has exceeded $5 trillion with little improvement in outcomes. Despite advances, technology has failed to reduce costs or improve care. Meanwhile, 3,000 exabytes of consumer health data remain trapped in fragmented USA systems, leaving consumers and doctors without a complete picture of care.
HealthScoreAI seeks to provide a unique solution, acting as a data surrogate for consumers and offering an unbiased holistic view of their health. By monetizing de-identified data, HealthScoreAI seeks to share revenue with consumers, potentially creating a new $100 billion market value opportunity. With near-universal EHR adoption in the USA, and advances in technology, now is the perfect time to capitalize on the data available, practical use of AI and the empowering of consumers, in particular the 13,000 tech savvy baby boomers turning 65 every single day and entering the Medicare system for the first time. Our team, with deep healthcare and tech expertise, holds U.S. patents and a proven track record of scaling companies and leading them to IPO.
Noel J. Guillama-Alvarez
https://www.linkedin.com/in/nguillama/
+1-561-904-9477, Ext 355
https://a16zcrypto.com/posts/article/us-crypto-capital-policy/
https://deloitte.wsj.com/cfo/sec-signals-new-direction-for-us-crypto-regulation-6ce1fdd3
https://www.youtube.com/watch?v=Bs-PWJjhIco
https://oxiohealth.io/healthcare-ai-crypto-and-president-trump-47/