Abstract: An apparatus for receiving user metrics related to a user. The apparatus is configured to identify a plurality of sets of protocol parameters related to a plurality of contingent transactions. Apparatus is configured to determine an efficiency score of each of the contingent transactions as a function of the plurality of protocol parameters and an efficiency criterion. Apparatus is configured to select a first contingent transaction of the plurality of the contingent transactions as a function of the efficiency score, wherein the first contingent transaction comprises a first set of protocol parameters of the plurality of parameters. Apparatus is configured to generate an optimization model of the first contingent transaction as a function of the user metrics and the first set of protocol parameters, wherein the optimization model comprises one or more regulatory elements.

Abstract: An apparatus for receiving user metrics related to a user. The apparatus is configured to identify a plurality of sets of protocol parameters related to a plurality of contingent payments. Apparatus is configured to determine an efficiency score of each of the contingent payments as a function of the plurality of protocol parameters and an efficiency criterion. Apparatus is configured to select a first contingent payment of the plurality of the contingent payments as a function of the efficiency score, wherein the first contingent payment comprises a first set of protocol parameters of the plurality of parameters. Apparatus is configured to generate an optimization model of the first contingent payment as a function of the user metrics and the first set of protocol parameters, wherein the optimization model comprises one or more regulatory elements.