Cashless Pre-Authorization Layer

Approve before treatment.
Not hours after.

Run a shared pre-authorization system where a hospital gets instant approval from the insurer before cashless treatment begins, instead of waiting hours while a patient's care stalls. Compliance Attestations, Escrow and Conditional Settlement, and Audit Logs verify the request against policy terms and make the decision visible to both parties at once.

The Foundation

The Execution Mechanics

Turn a slow fax-and-phone approval into a real-time, jointly visible authorization anchored to the policy.

01.

Instant Term Check

Compliance Attestations evaluate the requested procedure against the live policy terms the moment it is submitted, returning an approval or a query in seconds rather than hours.

02.

Reserved Escrow Hold

On approval, the Escrow and Conditional Settlement module reserves the sanctioned amount against the policy, so the hospital treats knowing the funds are already earmarked.

03.

Shared Real-Time View

Both hospital and insurer read the same authorization state as it changes, ending the one-sided uncertainty of a pending fax no one can confirm.

04.

Sanctioned Limit Anchor

The approved amount and its conditions are anchored on-chain, so a later claim cannot exceed or contradict what the pre-authorization actually sanctioned.

05.

Immutable Decision Trail

Audit Logs record every approval, query, and enhancement with its timestamp and signer, giving regulators and both parties one uncontestable history.

06.

Network-Wide Consistency

Two further Cerulea Studio modules apply the same authorization logic across every hospital in the network, so approvals do not vary by branch or operator.

The Pre-Authorization Lifecycle

Follow a single cashless request from hospital submission to a sanctioned, escrow-backed approval both parties can see.

Operational log system
cerulea_preauth_engine.log

10:12:04

[SYS] Initializing Pre-Auth Manifest for PH_71204...

10:12:05

[CMD] requestPreAuth { procedure: "ANGIOPLASTY", estimate: 260000 }

10:12:05

[AUTH] Verifying active policy and hospital network membership...

10:12:06

[OK] Request PA_30877 anchored at block 5330219.

Smart Contract Anatomy

Cerulea decomposes cashless pre-authorization into modular contracts. Each layer verifies coverage, sanctions a limit, reserves funds, and publishes one shared decision neither party can quietly alter.

Applicability Across the Spectrum

Shared pre-authorization is a horizontal capability. Here is how different actors in cashless treatment put the joint ledger to work.

Network Hospitals

Submit pre-authorization requests and begin cashless treatment on an instant, escrow-backed approval, removing the hours of waiting that delay patient care and hold up admissions.

Key Asset Types

  1. 1Auth Requests
  2. 2Sanction Limits
  3. 3Cashless Admissions

Insurers & TPAs

Verify requests against live policy terms automatically and reserve funds on approval, cutting the manual desk load while keeping every sanctioned limit anchored for the eventual claim.

Key Asset Types

  1. 1Coverage Rules
  2. 2Reserved Funds
  3. 3Sanction Records

Patients & Families

Receive faster admission decisions without chasing an approval no one can see, because the authorization state is confirmed and visible the moment it is granted.

Key Asset Types

  1. 1Approval Views
  2. 2Coverage Confirmations
  3. 3Admission Records

Network & Execution Architecture

Whether you are bridging an insurer's authorization desk or capturing requests from a hospital front office, Cerulea routes both into one shared pre-authorization ledger.

Track A: Insurer Authorization-Desk Bridging

For insurers and TPAs on legacy authorization systems. Existing pre-auth decisions are translated into signed on-chain sanctions through the API gateway automatically.

Legacy Auth Desk

Insurer / TPA System

HTTPS / REST

Cerulea API Gateway

Decision Hashing & Signing

WASM COMPILATION

Cerulea Private Chain

Shared Authorization Ledger

Track B: Hospital Front-Office Capture

For hospitals raising requests at admission. A front-office app signs each pre-auth request from a hospital wallet and routes it directly to the shared ledger.

Front-Office App

Hospital Devices

WALLET SIGNATURE

Consortium Validators

Authorization Consensus

STATE EXECUTION

Cerulea Ledger

Shared Pre-Auth Record

Accelerated Time-to-Market Simulator

Building a shared pre-authorization network with real-time coverage checks, fund reservation, and a jointly visible decision log from scratch requires specialised engineers and long hospital-network integration cycles. Calculate your exact deployment speed using Cerulea.

Required Coverage & Authorization Rules

38Rules
Simple (10)Enterprise (200)

Traditional Deployment

Solidity Coding & Audits

~ 12 Months

Cerulea Edge

Visual Compilation

WASM Logical Artifacts

~ 4 Weeks

>_

Technical Methodology

The legacy timeline reflects hospital-network integration benchmarks. Connecting an insurer's authorization desk to every hospital, coding real-time coverage checks, and shipping a shared decision log for an average network takes a baseline of 7 months. Building the same architecture on Cerulea takes a baseline of 2 weeks, because Cerulea Studio visually translates your coverage and authorization rules into pre-audited WebAssembly binaries and provisions the shared pre-authorization ledger instantly.