UK-based Gaia operates at the intersection of fertility, healthcare financing, and insurance, transforming access to IVF through its “no baby, no pay” model. Parents pay a small deposit, Gaia funds treatment upfront, and repayment is only due upon a successful birth. This model is powered by predictive AI trained on 1.6M IVF cycles, a $160M reinsurance facility, and a $100M credit line, enabling partnerships with leading clinics such as IVIRMA and Pinnacle. Originally launched in the UK, Gaia has already delivered over 2,000 IVF cycles and 163 babies there, and is now expanding rapidly, offering additional services such as egg freezing and donation. With strong early traction, an expanding pipeline, and a capital-efficient growth strategy, Gaia is positioned to redefine fertility care worldwide.