Abstract: A method performed by a peer to peer healthcare payment platform includes receiving a first amount of resources from one or more first donors in a first account associated with a first patient. The first account stores the first amount of resources and a second amount of surplus resources associated with the first patient. The method further includes receiving a payment request from the first patient. In response to receiving the payment request, the method includes determining if the outstanding medical fee associated with the first patient is greater than the sum of the first amount of resources and the second amount of surplus resources. If the outstanding medical fee is greater than said sum, the method includes identifying one or more second pairing patients for the first patient to fund the fee.