Noel J. Guillama-Alvarez
Crypto Makes a Comeback with a Vengeance
Everyone was expecting imminent news on crypto, and it came down from President Trump (47) even better than most had assumed. I was surprised by how quickly things changed, with regulators, banks, and other entities coming to an agreement. As noted in Episode 1, with the pre-inauguration issuance of the $TRUMP meme token, this wasn’t just a shift in the wind—it was a hurricane on its way. And it’s here.
On Thursday, President Trump executed a sweeping set of executive orders addressing the entire digital asset space. The Presidential Executive Order, titled “STRENGTHENING AMERICAN LEADERSHIP IN DIGITAL FINANCIAL TECHNOLOGY”, is a game-changer.
Key Takeaway: Section 1
Section 1. Purpose and Policies.
(a) The digital asset industry plays a crucial role in innovation and economic development in the United States, as well as in our nation’s international leadership. It is therefore the policy of my administration to support the responsible growth and use of digital assets, blockchain technology, and related technologies across all sectors of the economy, including by:
(i) Protecting and promoting the ability of individual citizens and private-sector entities alike to access and use open public blockchain networks for lawful purposes without persecution—this includes the ability to develop and deploy software, participate in mining and validating, transact with others without unlawful censorship, and maintain self-custody of digital assets.
Major Moves in the Market
Almost immediately, the scale of these changes became clear, even as the largest bank CEOs were attending the World Economic Forum in Davos. CNBC’s headline: “Trump crypto plans have Wall Street CEOs ready to jump into digital assets.”
Top CEOs from Wall Street, speaking from Davos, revealed they were ready to go bigger into crypto if the Trump administration rolls out favorable policies. As part of Trump’s expansive digital asset plans, he’s nominated several pro-crypto leaders to critical positions. “For us, the equation is really around whether we, as a highly regulated financial institution, can act as transactors,” said Morgan Stanley CEO Ted Pick.
At the same time, the U.S. Securities and Exchange Commission (SEC)—which had declared a “war” on crypto—did a complete 180. As CNBC reported: “SEC revokes unpopular banking rule that blocked Wall Street banks from adopting crypto.”
The SEC rescinded an accounting rule that had forced banks to treat bitcoin and other tokens as liabilities on their balance sheets. This rule, introduced in 2022, significantly raised financial and regulatory risks for banks offering crypto custody services, and its revocation is seen as a major step forward for institutional adoption of crypto.
Why Does This Matter to Us?
We’ve long believed that digital assets have a crucial role to play in healthcare—particularly in our vision of “consumer-first healthcare.” We’ve filed and received patents on their use, and we expect to use these tools in the near future to make a significant impact. For years, we’ve pointed to the potential of special tokens in healthcare, and every investor we’ve talked to has considered our deal “toxic” because they couldn’t see the inevitability of it. But now, the convergence of health data, artificial intelligence (AI), and digital assets to empower consumers has come closer than ever.
Understanding Crypto, Meme Tokens, and Utility Tokens
Cryptocurrencies (e.g., $Bitcoin), meme tokens (e.g., $TRUMP), and utility tokens all fall under the umbrella of digital assets, but they serve different purposes and carry varying levels of functionality and value perception.
- Cryptocurrency: At its core, cryptocurrency is a digital or virtual currency that uses cryptography to secure transactions. It operates on decentralized networks (usually blockchain) and functions as a medium of exchange or store of value, much like traditional currencies. Bitcoin and Ethereum are prime examples, designed with intrinsic value tied to decentralization, limited supply, and secure peer-to-peer transactions without intermediaries.
- Meme Tokens: These tokens originate from internet culture and social media trends. They are often created as jokes or for entertainment, gaining popularity through viral memes or online communities. Unlike cryptocurrencies, meme tokens typically lack strong utility or technology. Their value is largely driven by community engagement and speculative trading. Examples like Dogecoin and Shiba Inu started as parodies but gained traction due to social media hype. Trump’s $TRUMP meme token, launched just before his inauguration, has the potential to change the landscape of meme tokens permanently.
Utility Tokens: Utility tokens are designed to provide access to specific products or services within a blockchain ecosystem. They’re not meant to function as a general currency but enable functionality within a platform—such as paying transaction fees, accessing premium features, or participating in governance decisions. A great example is Ethereum’s Ether, which powers smart contracts and covers gas fees. Utility tokens derive their value from the demand for the platform or service they enable, giving them a more practical role than meme tokens.
The Future of Utility Tokens in Healthcare
To sum it up: cryptocurrencies aim to be digital money, meme tokens thrive on community-driven hype, and utility tokens serve a practical purpose within blockchain ecosystems. Each type has its place in the evolving landscape of digital assets, but their risk, utility, and value propositions vary greatly.
We believe that utility tokens have a very special opportunity in consumer healthcare—especially when powered by AI. This hasn’t been done before, and it promises to break new ground in both approach and functionality. As the digital asset space evolves, we expect this to become a major shift in how healthcare is delivered and consumed.
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 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://www.cnbc.com/2025/01/23/trump-signs-executive-order-on-crypto-digital-asset-stockpile.html