The infrastructure layer that closes the Fidelity Gap

Payers adjudicate 95% of claims without clinical documentation. We build isolated environments where health plans receive full clinical data and run Full-Fidelity AI without shared platform risk.

The Problem

Providers document everything lab values, vitals, clinical notes, imaging, medications, outcomes. But payers only see billing codes. This is the Fidelity Gap: the structural difference between clinical reality and what payers actually receive. The result? $300B+ lost annually to undetected fraud, waste, and abuse. 54% of denials overturned on appeal. AI systems trained on incomplete data.

A modern urban era

Full-Fidelity AI

AI trained on billing codes is AI trained on lies. FFAI runs on complete clinical data inside your private environment.

A modern urban era

Full-Fidelity AI

AI trained on billing codes is AI trained on lies. FFAI runs on complete clinical data inside your private environment.

A modern urban era

Full-Fidelity AI

AI trained on billing codes is AI trained on lies. FFAI runs on complete clinical data inside your private environment.

Full Clinical Data

Receive complete clinical documentation—not chart retrieval, not billing codes. Persistent access to the data that actually matters.

Dashboard interface
Dashboard interface
Dashboard interface
An office with people working

Private Bubble

Each payer gets their own isolated infrastructure. What happens to other customers can never affect you. No shared breach risk.

An office with people working

Private Bubble

Each payer gets their own isolated infrastructure. What happens to other customers can never affect you. No shared breach risk.

Payer-First Architecture

Payer-First Architecture

Built for payers from day one. Not a provider platform retrofitted for your needs.

Built for payers from day one. Not a provider platform retrofitted for your needs.

Screen mockup of a dashboard interface
Screen mockup of a dashboard interface
Screen mockup of a dashboard interface

Designed to turn complexity into clarity.

.01

Connect

We integrate with your existing systems to receive clinical data at scale, no chart chasing, no fax machines.

.02

Isolate

Your data lives in your own private environment. Completely separated from every other customer.

.03

Act

Run Full-Fidelity AI on complete clinical data. Detect fraud. Close care gaps. Make decisions with full context.

Why Zkeleton?

Why Zkeleton?

Post-Change Healthcare, every payer is re-evaluating their data infrastructure. We build for the era where shared infrastructure means shared catastrophic risk.

Post-Change Healthcare, every payer is re-evaluating their data infrastructure. We build for the era where shared infrastructure means shared catastrophic risk.

Breach-Independent

What happens to other customers can never affect you. No shared attack surface.

Breach-Independent

What happens to other customers can never affect you. No shared attack surface.

HIPAA-Native

Compliance built into the architecture, not bolted on afterward.

HIPAA-Native

Compliance built into the architecture, not bolted on afterward.

No Shared Pipes

We don't route data through exchange networks. You own the destination.

No Shared Pipes

We don't route data through exchange networks. You own the destination.

Infrastructure Layer

We're not an application. Existing vendors can stay or connect on your terms.

Infrastructure Layer

We're not an application. Existing vendors can stay or connect on your terms.

CMS-0057-F Ready

Built for payer-to-payer data exchange. Secure receiving infrastructure for incoming member data.

CMS-0057-F Ready

Built for payer-to-payer data exchange. Secure receiving infrastructure for incoming member data.

The Market Reality

The cost of the Fidelity Gap and why shared infrastructure failed.

Shot of modern buildings
Shot of modern buildings
Shot of modern buildings
A blue container
A blue container
A blue container
Claims Blind
0%

Claims adjudicated without clinical documentation

Claims Blind
0%

Claims adjudicated without clinical documentation

Records Exposed
0M

Records exposed in Change Healthcare breach

Records Exposed
0M

Records exposed in Change Healthcare breach

Breach Cost
$0B+

Direct costs to UnitedHealth Group

Breach Cost
$0B+

Direct costs to UnitedHealth Group

We're not building another exchange network. Every competitor routes data through shared pipes. The same architecture that failed at Change Healthcare.

— Zkeleton

Get in Touch

We're pre-seed and building. If you're a payer evaluating clinical data infrastructure, let's talk.

We respond within 24 hours

Frequently Asked Questions.

Common questions about Zkeleton and how we work.

What is Zkeleton?

We build isolated infrastructure where health plans can receive clinical data at scale and run AI without sharing platform risk with other customers.

What's the Fidelity Gap?

Payers adjudicate 95% of claims without seeing clinical documentation. They make billion-dollar decisions based on billing codes a summary of a summary.

What is Full-Fidelity AI?

AI that runs on complete clinical data, not billing codes. Current payer AI is trained on incomplete information. FFAI changes that.

How is this different from Health Gorilla or Particle?

They route data through shared exchange networks. We build private environments you own. What happens to their other customers can never affect you.

What is Zkeleton?

We build isolated infrastructure where health plans can receive clinical data at scale and run AI without sharing platform risk with other customers.

What's the Fidelity Gap?

Payers adjudicate 95% of claims without seeing clinical documentation. They make billion-dollar decisions based on billing codes a summary of a summary.

What is Full-Fidelity AI?

AI that runs on complete clinical data, not billing codes. Current payer AI is trained on incomplete information. FFAI changes that.

How is this different from Health Gorilla or Particle?

They route data through shared exchange networks. We build private environments you own. What happens to their other customers can never affect you.

What is Zkeleton?

We build isolated infrastructure where health plans can receive clinical data at scale and run AI without sharing platform risk with other customers.

What's the Fidelity Gap?

Payers adjudicate 95% of claims without seeing clinical documentation. They make billion-dollar decisions based on billing codes a summary of a summary.

What is Full-Fidelity AI?

AI that runs on complete clinical data, not billing codes. Current payer AI is trained on incomplete information. FFAI changes that.

How is this different from Health Gorilla or Particle?

They route data through shared exchange networks. We build private environments you own. What happens to their other customers can never affect you.

Does Zkeleton help with CMS-0057-F compliance?

Yes. Our bubble architecture is built for payer-to-payer data exchange. When member data comes in from other payers, it lands in your isolated environment. Secure, compliant, ready for use. No shared pipes, no shared risk.

What stage is the company?

Pre-seed. Delaware C-Corp. Building now.

How do I learn more?

Email akkenyaku@zkeleton.com

What stage is the company?

Pre-seed. Delaware C-Corp. Building now.

How do I learn more?

Email lr@zkeleton.com

Does Zkeleton help with CMS-0057-F compliance?

Yes. Our bubble architecture is built for payer-to-payer data exchange. When member data comes in from other payers, it lands in your isolated environment. Secure, compliant, ready for use. No shared pipes, no shared risk.

What stage is the company?

Pre-seed. Delaware C-Corp. Building now.

How do I learn more?

Email akkenyaku@zkeleton.com

Does Zkeleton help with CMS-0057-F compliance?

Yes. Our bubble architecture is built for payer-to-payer data exchange. When member data comes in from other payers, it lands in your isolated environment. Secure, compliant, ready for use. No shared pipes, no shared risk.

What stage is the company?

Pre-seed. Delaware C-Corp. Building now.

How do I learn more?

Email akkenyaku@zkeleton.com

CLOSE THE GAP

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The infrastructure layer for payer clinical data.

CLOSE THE GAP

Probe White Logo

The infrastructure layer for payer clinical data.

CLOSE THE GAP

Probe White Logo

The infrastructure layer for payer clinical data.

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CONTACT US

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Got questions? Contact us.

A man walking

CONTACT US

Probe White Logo

Got questions? Contact us.

A man walking

CONTACT US

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Got questions? Contact us.

Isolated clinical data infrastructure for health plans

© 2026 Zkeleton · Delaware

Isolated clinical data infrastructure for health plans

© 2026 Zkeleton · Delaware

Isolated clinical data infrastructure for health plans

© 2026 Zkeleton · Delaware