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Article History

Received: 13 February 2024

Revised: 24 September 2025

Accepted: 24 February 2026

First Online: 11 March 2026

Competing interests

: The authors declare no competing interests.

: Ethics approval was not required for this study as it did not involve human participants, animal subjects, or the collection of primary data. The research consisted entirely of secondary analysis using publicly available data and mathematical modeling techniques to evaluate the financial feasibility of proposed payment mechanisms for gene therapies. No patient data was collected, no clinical interventions were performed, and no identifiable personal information was used. The study was purely computational and theoretical in nature, involving the development and simulation of financial structures (cure-backed securities) combined with long-term performance-based annuities. As such, it falls outside the scope of research requiring ethical review by an institutional review board (IRB) or ethics committee.