Experience superlayer for the IMEUS ecosystem family
IMEUS – Ecosystem Operating System MEDTIUM – Health Ecosystem OS BIZTIUM – Business & SME OS FINTXCH – Financial Intelligence & Transaction Cloud TXKEN – Tokenized Value & Incentives
Personal • Workforce • Agents Where people meet the ecosystem

The personal & workforce superlayer for IMEUS-native ecosystems.

XO-I gives every person – citizen, clinician, SME owner, knowledge worker, policymaker – a coherent, AI-native workspace that travels with them across MEDTIUM, BIZTIUM and FINTXCH. One identity, many roles, trusted guardrails.

Unified identity & roles
AI copilots with guardrails
Personal & team workspaces
TXKEN incentives & rewards

XO-I is not another app store – it is the experience OS that sits on top of IMEUS, MEDTIUM, BIZTIUM, FINTXCH and TXKEN, giving humans and agents a shared, governable interface.

Why XO-I

People don’t live in “systems” – they live in journeys. XO-I is where those journeys land.

IMEUS, MEDTIUM, BIZTIUM and FINTXCH define ecosystems, rails and operating models. XO-I is where that complexity collapses into a single, human-centered superlayer: your work, your health, your finances, your teams – seen through one coherent interface.

Instead of chasing logins and portals, XO-I gives each person a dynamic workspace that understands their roles and responsibilities. It invites AI copilots into the picture – but anchors them in IMEUS-level governance, FINTXCH rails and TXKEN incentives.

Pillar I

Unified Identity & Multi-role Profiles

One trusted identity can hold many roles: citizen, clinician, SME owner, manager, board member. XO-I surfaces the right context and permissions for each role without duplicating accounts.

Pillar II

AI-native Workspaces & Copilots

Copilots help summarise, prioritise and execute – across health, business and finance contexts. XO-I gives them a governed sandbox with clear scopes, data access and escalation rules.

Pillar III

Incentives & Wellbeing Built In

Through TXKEN, XO-I can express rewards, benefits and nudges – for adherence, learning, upskilling, performance and wellbeing – transparent and auditable across ecosystems.

For Who

One superlayer – multiple vantage points.

XO-I is relevant wherever humans intersect with IMEUS ecosystems: care teams, SMEs, enterprises, governments and citizens.

Each role sees a tailored workspace – but they all run on the same XO-I core: role definitions, permissions, agents, notifications, TXKEN programs and wellbeing signals.
Frontlines

Clinicians, SME Operators, Frontline Staff

Daily lists, tasks, summaries and next-best actions, with agentic assistance woven into workflows – no need to jump between ten systems.

Knowledge Work

Managers, Analysts, Coordinators

Cross-ecosystem dashboards, scenario views, planning canvases and “explain this to me” copilots aligned with IMEUS data and policy.

Leadership

Executives, Policy & Board Members

Strategic lenses: program overviews, trend narratives, ecosystem “health” across MEDTIUM, BIZTIUM and FINTXCH – with drill-down when needed.

People

Citizens & Households

Health journeys, SME side hustles, benefits, TXKEN rewards and personal nudges – all in one place instead of scattered apps.

Ecosystem Ops

Ecosystem & Program Teams

Tools to orchestrate campaigns, onboarding, training and support – coordinating the human side of ecosystem deployments at scale.

Builders

Product, AI & App Builders

XO-I as the UX substrate: embed domain-specific modules and agents into a consistent experience framework, without reinventing identity or layout.

Experience Layers

The OS for people, work and agents.

XO-I is structured into layers that can be configured per ecosystem, per organisation, per role: from identity to workspaces to incentives.

Layer 1

Identity & Roles

XO-I anchors human and agent identities. It connects national IDs, workforce accounts, clinic logins, SME owners and app accounts to a single, governed profile with role definitions.

Single sign-on into IMEUS ecosystems Role & scope management Consent & preferences
Layer 2

Workspaces & Journeys

Personalised workspaces assemble cards, timelines and actions from MEDTIUM, BIZTIUM and FINTXCH – reflecting each person’s current journeys rather than static menus.

Daily briefs & task boards Journey timelines Multi-ecosystem cards
Layer 3

Copilots & Agents

Agentic AI plugged into XO-I – summarising, drafting, triaging, forecasting – always aware of roles, guardrails and the underlying IMEUS context graph.

Domain-aware copilots Agent policies & guardrails Human-in-the-loop flows
Layer 4

Signals, Wellbeing & Incentives

Signals from usage, performance, stress, learning and social context can be reflected back as nudges, support and TXKEN programs – for individuals and teams.

Wellbeing & workload signals Learning & upskilling paths TXKEN incentives & rewards
Use Cases

Where XO-I makes ecosystems feel human.

XO-I comes alive wherever multiple systems, programs and roles need to feel like one coherent experience.

Health Workforces

Clinician & Care-Team Superlayer

  • Unified MEDTIUM workspace for multi-facility clinicians.
  • Agentic summarisation, documentation & follow-up helpers.
  • TXKEN-backed wellbeing & quality incentives.
SMEs & Commerce

SME Owner & Workforce Experience

  • One place for BIZTIUM invoices, tax, funding, tasks and agents.
  • Guided onboarding & “next right step” suggestions.
  • Loyalty, grant and TXKEN programs woven into daily flows.
Citizens

Personal Health, Work & Money Hub

  • Health, work and financial journeys reflected in one interface.
  • Notifications that actually matter – not spam across apps.
  • Cross-ecosystem TXKEN rewards and benefits.
Ecosystem Ops

Change, Training & Support OS

  • Segmented nudges, campaigns and walkthroughs inside XO-I.
  • Feedback loops from frontline to IMEUS ecosystem stewards.
  • Coaching, micro-learning and community spaces per role.
Architecture

The experience layer in the IMEUS reference architecture.

XO-I is the experience expression of IMEUS EcoOS. It can be deployed as a unified app, white-label shell or embedded framework – while respecting sovereign and organisational boundaries.

Stage 1

Map Roles & Journeys

Identify key personas across MEDTIUM, BIZTIUM and FINTXCH, their daily journeys and friction points. Align on which experiences belong in XO-I.

Stage 2

Define Experience & Agent Model

Decide which copilots, cards and flows XO-I should orchestrate; define role scopes, escalation paths and TXKEN-based incentive programs.

Stage 3

Integrate with IMEUS Ecosystems

Connect XO-I to MEDTIUM, BIZTIUM, FINTXCH and TXKEN APIs; map identities and data contracts; instrument signals and feedback.

Stage 4

Iterate & Expand

Evolve XO-I based on usage, wellbeing, performance and ecosystem learning – adding new modules, journeys and agents over time.

Give your ecosystem a human-centered superlayer.

XO-I pilots are being co-designed with governments, health systems, banks, telcos and builders who want to move beyond fragmented portals towards a unified, AI-native experience OS.