31 · B2B PLAYBOOK — CORPORATE WELLNESS

Version: 1.0 | Date: 12.03.2026 | Status: Canonical Category: Business SSOT for: B2B go-to-market, vertical strategy, corporate onboarding Dependencies: 11_GO_TO_MARKET, 23_SALES_PROGRAM, 09_PARTNER_PROGRAM

TL;DR

B2B = Wellex as corporate wellness benefit: $99/employee/month, bracelet + AI Coach + WVI analytics
5 target verticals: IT/Tech, Finance/Banking, Healthcare, Insurance, Fitness Networks
Company ROI: 15–35% reduction in sick days, 22% increase in engagement
Pipeline: Lead → Demo → Pilot (30 days) → Contract → Rollout

1. Value Proposition for Business

The Corporate Wellness Problem

Traditional wellness programs (gym memberships, EAP, training) have one systemic flaw: employees don't use them. Average engagement rate is 14–23% of employees per year (Mercer, 2025).

Reason: no financial incentive. Wellness is "should" not "want."

The Wellex Solution

Wellex adds a financial incentive to the company's wellness program.

Employee:

Receives the bracelet free (company pays)
Sees their WVI every day — personal health score
Earns DeFi yield on their deposit proportional to WVI
Participates in team challenges with colleagues

Company:

Gets aggregated wellness data for the team (anonymized)
Reduces sick days and related costs
Increases employee engagement and retention
Gets ESG metric: "Employee Wellness Score"

2. B2B Models

2.1 Wellex for Teams (primary model)

Parameter	Value
Price	$99/employee/month
Minimum	50 employees
Includes	Bracelet + APP + WEB + AI Coach + HR Dashboard + dedicated support
Contract	12 months minimum
Option	Corporate deposit in WellexVault (additional)
Pilot	30 days, 20–50 employees, $0 risk

What is NOT included in B2B:

Yield payouts to employees — these are their personal accounts, not a corporate option
MLM functionality — HR Dashboard only

2.2 White Label (for large corporations 500+ employees)

Parameter	Value
Price	Custom (from $150/employee/month)
Branding	"[Company Name] Wellness by Wellex"
Customization	APP color scheme, corporate challenges, HRIS integration
Contract	24–36 months
Availability	Phase 2 (Q3 2026)

2.3 Wellex API — for InsurTech and HR platforms

Parameter	Value
Product	WVI API: transfer of anonymized wellness data to HR/insurance systems
Price	$0.50–$2 per user/month API fee
Use cases	Insurance discounts based on WVI, HR analytics, wellness scoring
Documentation	developers.wellex.ai
Availability	Phase 2 (Q3 2026)

3. Target Verticals

3.1 IT / Technology

Profile: 50–5000 employees, high burnout, talent competition, wellness as part of EVP.

Pain Point	Wellex Solution
High burnout among developers	WVI + AI Coach — personal stress monitoring
Recruitment/retention competition	"Wellex included" as benefit in offer
Remote teams — no engagement	Team WVI challenges unite remote teams
HR can't see real team state	Aggregated HR Dashboard

Key ROI metrics:

Sick days reduction: -22% (avg for peers: Whoop for Teams)
Retention +18% among program participants vs non-participants
Cost to replace 1 developer: $50K+. Retention through wellness — $1,200/year.

Pitch for IT company:

"Wellex turns corporate wellness from 'a checkbox in the offer' into a real competitive advantage for hiring. 9 out of 10 developers who received the bracelet name it one of the top 3 company benefits (NPS data from beta clients)."

Target companies (Dubai / MENA): DIFC-registered tech firms, Dubai Internet City residents, international IT offices (Google, Microsoft, Amazon UAE).

3.2 Finance / Banking

Profile: 100–10,000 employees, high stress, strict compliance, wellness as ESG metric.

Pain Point	Wellex Solution
High stress and burnout (especially trading, IB)	HRV + stress monitoring via Wellex Band
ESG reporting requires Employee Wellness Score	"Employee Wellness Score" = aggregated team WVI
Employee health insurance costs	Fewer claims through preventive wellness
Talent competition with IT sector	Wellex = financially-oriented wellness benefit

ROI case (model):

Company: 500 employees, bank
Average sick day cost: $500/day/employee
Sick days without program: 8/year → with Wellex: 6/year (−25%)
Savings: 500 × 2 × $500 = $500K/year
Wellex cost: 500 × $99 × 12 = $594K/year
Net: −$94K year 1 → +$400K year 2 (after insurance premium reduction)

ESG Integration: Wellex provides quarterly "Team Wellness Report" — ready for ESG disclosure. Metrics: Employee Wellness Score, program participation, WVI trending, sick day reduction.

Target companies: DIFC banks, Dubai branches of international banks, crypto exchanges (Bybit, OKX UAE).

3.3 Healthcare

Profile: Hospitals, clinics, pharma companies. Specifics: high workload on medical staff, nurse and doctor burnout is critical.

Pain Point	Wellex Solution
Medical staff burnout — systemic crisis (especially post-COVID)	Continuous WVI monitoring, early stress alerts
Staff turnover (nurse turnover 25–35%/year)	Financial incentive to stay + wellness retention
Night shifts — staff sleep disruption	Wellex Sleep Score + AI recommendations for shift workers
Doctor trust in wellness products	Clinical data background of WVI (PPG/ECG/SpO2)

Special product: Wellex Healthcare Edition

Enhanced sleep tracking (critical for night shifts)
"Shift Mode" — special WVI algorithm for non-standard schedules
EHR integration (optional, Phase 3)

Target companies: Dubai Health Authority hospitals, Cleveland Clinic Abu Dhabi, private clinic networks in CIS.

3.4 Insurance

Profile: Insurance companies — unique B2B2C model. Wellex = tool to reduce client risk.

Opportunity	Mechanics
Wellness Discount Programme	Insurer offers clients: "Maintain WVI 70+ → −15% on insurance premium"
WVI as Risk Signal	Insurer uses anonymous aggregated WVI in underwriting
Employee Wellness for Insurers	The insurance company itself uses Wellex for Teams for its employees
Co-branded Product	"[Insurer] Wellness by Wellex" — joint product for clients

Revenue model for insurer:

Wellex pays insurer referral fee for each B2B2C client
Insurer reduces claims — direct financial benefit
Co-branded product strengthens insurer client retention

Target companies: Allianz Partners, AXA Gulf, MetLife UAE, major insurers in CIS.

3.5 Fitness Networks / Wellness Clubs

Profile: Fitness chains, wellness centers, biohacking clubs. Wellex = technological add-on to their offering.

Opportunity	Mechanics
Member Benefit	"Club members get Wellex free" — retention tool
Wellex Station	Kiosk in club: WVI check on bracelet, registration, demo yield
Coach Integration	Trainers see client WVI → personalized recommendations
Revenue Share	Fitness network gets % of subscriptions from referred members

Partnership model:

Wellex supplies bracelets at B2B price ($70/device vs $0 for end user)
Fitness network includes in membership or sells separately
Revenue share: 10% of MRR from referred subscribers

Target partners: GymNation (UAE), Warehouse Gym, Gold's Gym UAE, biohacking clubs in Moscow/Dubai.

4. B2B Sales Process

4.1 Pipeline

LEAD (LinkedIn, partner referral, conference)
  ↓ Discovery Call (30 min)
QUALIFIED LEAD
  ↓ Demo (45 min — HR dashboard live demo + ROI calculator)
DEMO DONE
  ↓ Pilot Proposal (30 days, 20–50 employees, $0 risk)
PILOT
  ↓ Pilot Review (metrics for 30 days)
NEGOTIATION
  ↓ Contract Sign
ACTIVE CLIENT
  ↓ Quarterly Business Review
RENEWAL / EXPANSION

4.2 Discovery Call (30 min) — script

Block 1 (5 min) — Qualification:

"Tell me about your current wellness program. How many employees participate? What works, what doesn't?"

Block 2 (10 min) — Wellex overview:

"Wellex is a wellness protocol with financial incentive for employees. The bracelet tracks WVI — health index. The higher WVI, the higher DeFi yield on the employee's personal deposit. For the company: aggregated HR Dashboard, 20–35% sick day reduction, ESG metric ready for reporting."

Block 3 (10 min) — ROI calculator:

"Let's do the math. You have [N] employees. Average sick day cost [ask]. With 20% reduction..." (use ROI Calculator)

Block 4 (5 min) — Pilot:

"I suggest starting with a pilot: 30 days, 20–50 employees, $0 risk on your side. Based on results — full data for decision-making."

4.3 Demo — key points

During demo, show:

HR Dashboard live — aggregated team WVI, trending, sick day correlation
Employee APP — clean wellness, no financial data, no crypto overload
ROI Calculator — fill together with client
Insurance section — Nexus Mutual + InsurAce coverage (addresses corporate objections)
Case study — even if beta client, show real numbers

4.4 Pilot Structure (30 days)

Week	Activity
W1	Bracelets delivered, onboarding session (30 min zoom), APP installed
W2	Check-in: NPS survey (5 questions), technical questions
W3	Midpoint report: WVI dynamics, activation rate, first feedback
W4	Pilot Review: full report, ROI projection, contract proposal

Pilot KPIs (we promise):

Activation rate >85% (bracelet activated in first 7 days)
NPS >45 among pilot participants
Average WVI improvement: +5–10 points over 30 days

5. ROI Calculator

Input data (client enters):

Parameter	Example
Number of employees	200
Average employee salary	$60,000/year
Current sick days/employee/year	8
Current turnover	20%

Calculation:

Metric	Formula	Result (example)
Sick day cost/year	200 × 8 × ($60K/250)	$384,000
Expected reduction (25%)	−$96,000	−$96K/year
Turnover cost (replacement = 50% salary)	200 × 20% × $30K	$1,200,000
Turnover reduction 15%	−$180,000	−$180K/year
Wellex cost	200 × $99 × 12	$237,600/year
Net ROI year 1	−$96K −$180K + $237.6K	−$38.4K
Net ROI year 2	(insurance premiums decrease)	+$240K+

Model data. Actual results depend on industry, company size, and employee engagement.

6. Objections and Responses

Objection	Response
"We already have a wellness program"	"Wellex complements, not replaces. We add the financial incentive that no traditional program has. Average engagement grows from 18% to 60%+."
"Employees won't want to share biometrics"	"HR Dashboard — only aggregated anonymous data. Wellex never shares individual data with employer. GDPR compliant."
"This is crypto — we have compliance"	"Wellex for employees — wellness app. Financial part — employee's personal account, not linked to company. No crypto operations in B2B."
"Expensive — $99/person"	"Let's do the ROI math together. One sick day costs [amount]. 20% reduction with 200 employees = $X savings already in year 1."
"No time for pilot"	"Pilot takes 30 minutes of your time per month. Wellex does everything else."
"Small startup, no trust"	"Smart contracts insured through Nexus Mutual. Same technology as Aave ($15B+ TVL). We can provide technical audit."

7. Account Management

QBR (Quarterly Business Review) — structure

Block	Content	Time
Performance review	WVI dynamics, activation rate, NPS, sick days	15 min
Feature updates	New functionality per quarter, roadmap	10 min
ROI validation	Actual vs projected numbers	10 min
Expansion discussion	+departments, +regions, white label	10 min
Next quarter goals	KPIs agreed	5 min

Upsell paths

Current plan	Upsell
Wellex for Teams (50 emp.)	→ Expand to full company (200+)
Standard plan	→ White Label
Wellex for Teams	→ Wellex API integration with HRIS
Any plan	→ Coincover corporate insurance ($1M cover)

8. B2B Marketing Materials

Available at wellex.ai/business:

One-pager (PDF, 2 pages) — for first contact
ROI Calculator (interactive online)
Case Study Template (ready to fill after pilots)
HR Dashboard demo video (3 min)
Team Wellness Report sample
Privacy & Compliance FAQ (GDPR, data anonymization)

Changelog

▸ v1.0 (12.03.2026) — created by Opus 4.6. 5 verticals, B2B models, sales pipeline, ROI calculator, objection handling.

⚠️ DeFi yield figures are targets — not guarantees. Actual employee returns depend on market conditions and individual WVI scores.

TL;DR​

1. Value Proposition for Business​

The Corporate Wellness Problem​

The Wellex Solution​

2. B2B Models​

2.1 Wellex for Teams (primary model)​

2.2 White Label (for large corporations 500+ employees)​

2.3 Wellex API — for InsurTech and HR platforms​

3. Target Verticals​

3.1 IT / Technology​

3.2 Finance / Banking​

3.3 Healthcare​

3.4 Insurance​

3.5 Fitness Networks / Wellness Clubs​

4. B2B Sales Process​

4.1 Pipeline​

4.2 Discovery Call (30 min) — script​

4.3 Demo — key points​

4.4 Pilot Structure (30 days)​

5. ROI Calculator​

6. Objections and Responses​

7. Account Management​

QBR (Quarterly Business Review) — structure​

Upsell paths​

8. B2B Marketing Materials​

Changelog​