Business Model
Three layers. One monetization flywheel.
API consumption (PaaS), seats & licenses (SaaS), and network revenue share (NaaS) across embedded financial services.
Platform‑as‑a‑Service (PaaS)
For TPAs, insurers, aggregators, and government platforms. Metered pricing per transaction, member, or API call.
Software‑as‑a‑Service (SaaS)
For employers, TPAs, and brokers. Monthly seat/license pricing for HR, admin, and finance users.
Network‑as‑a‑Service (NaaS)
For fintechs, banks, and embedded partners. Revenue share on claims, wallets, care loans, POS, and bundled services.
Subsidiary proof
- Mentor Health (SaaS): ~$4M ARR
- Mentor TPA (NaaS): ~$2.5M ARR; 300+ hospitals and claims processing
$50M ARR across client ecosystems enabled by Mentor’s infrastructure.
Why it scales
APIs + dashboards + financial rails (Twilio + Stripe + Zenefits‑style economics) across the entire healthcare stack.