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Wartime conditions, the rapid digitalization of the economy, and the high level of crypto-adoption among the Ukrainian population create a unique experimental space for implementing digital assets in healthcare financing. Virtual assets in Ukraine are legally defined as assets rather than legal tender, opening a so-called "legal window" for scientific analysis of the potential use of cryptocurrencies, stablecoins, and the NBU’s future digital currency - the e-hryvnia - within the private healthcare sector. The study demonstrates that traditional payment models in medical institutions fail to meet the expectations of digitally-oriented patients and the capabilities of modern payment ecosystems. Consequently, a systemic reengineering of processes is required, rather than the mere technical integration of crypto-gateways. The author proposes a conceptual model for payment process reengineering based on a combination of technological openness (cryptocurrencies, stablecoins, Web3 tools), strict compliance with AML/CFT requirements, and the gradual implementation of the e-hryvnia as a programmable digital equivalent of the national currency. A key feature of this approach is the conceptualization of digital assets as an integral element of the private healthcare financial mechanism, rather than an administrative novelty. The paper concludes that reengineering payment processes in Ukrainian medical institutions can drive the digital economy but requires a balance between innovation, legal security, and social responsibility.

private healthcare sector; payment process reengineering; digital assets; cryptocurrencies; stablecoins; e-hryvnia; AML/CFT; Ukraine