Direct contracting stalls when nobody can move the money. Cory Morin explains how BenjiCard's pre-funded virtual cards pay providers at point of service, save plans money, and cut member costs.

In This Episode:

• Cory's path from insurance sales to fintech
• BenjiCard: pre-funded virtual Visa cards for TPAs, health plans, cost containment partners
• Virtual-only cards via Apple Pay/Google Pay; no physical cards
• Guardrails: U.S.-only, healthcare merchant codes, spending caps, provider locking
• Tier-zero/tier-one use case: waived member cost for pre-negotiated providers
• Next up: combining member cost-share and plan payment into one transaction
• Mostly TPA/health plan distribution, some direct-to-employer

Key Insights:

• Payment mechanics ...