HCX PAY is a privacy coin and blockchain mining network powering financial services, insurance, and health marketplace for consumers seeking to improve their financial and health conditions. Consumers can select from machine learning recommended portfolios of products and services based on demographic data, financial and health goals. Based on the selected portfolio or pathway, consumers participate in various community activities to earn HCXP based on tasks related to achieving financial and health goals, growing the community, and creating goodwill.