STEMC stem cell medical ecological platform hereinafter referred to as STEMC stem cell platform, is a smart medical platform based on biological cytology with blockchain technology through the five functional modules of Oread, Otrade, Oeducation, Oresearch and Oinsure. The Oinsure module is designed by STEMC to further improve the shortcomings of stem cell therapy. According to the concept of “One is sick, all will pay equally”, it has created a community of mutual assistance, creating a “Global Access” mutual medical insurance with high cost-effective, inclusive, inheritable and no geographical restrictions. In the STEMC ecosystem, the value of all commodities is measured by SEL. Transaction in the five functional modules of Oread, Otrade, Oeducation, Oresearch, and Oinsure are all settled with SEL. The deposits paid by the settled merchants and mutual assistance must be in the form of SEL.