Shelter: the infrastructure that delivers aid where the system gives up

Every year, US$30B move in global humanitarian aid. And up to 30% never reach the people who need it. Shelter is Xcapit's answer to that problem: a modular infrastructure that uses stablecoins, blockchain and SMS to deliver digital value to people with no internet, no smartphone and no bank account. With three completed pilots (Peru, Kenya, Venezuela), 100% operational success and backing from UNICEF Venture Fund, IDB Lab and Santander X, Shelter is not a proposal — it is proven infrastructure ready to integrate into any aid-distribution ecosystem in roughly two weeks.

The real problem: aid that doesn't arrive, infrastructure that doesn't exist

The problem with global humanitarian aid isn't a lack of will or a lack of resources. It is the infrastructure that distributes them. Or rather, the one that doesn't exist. Think about what it takes today to send aid to a family in a crisis zone. The money goes through at least two or three financial intermediaries. It arrives partially converted and devalued. It can take three to five business days. And along the way, up to 30% is lost in fees, conversions and administrative costs. Meanwhile, there is a person who needs to buy food today.

• Lack of transparency — donors cannot verify that funds arrived. No real-time auditability.
• Connectivity barrier — digital solutions depend on internet and smartphones; where they are needed most, neither exists.
• Lack of autonomy — without direct access to value, the beneficiary depends on middlemen. Every hand has its cost.

The solution: not another app. Infrastructure for the last mile.

Shelter is Xcapit's humanitarian aid disbursement platform. It uses stablecoins, blockchain and SMS to deliver digital value to people with no internet, no smartphone and no bank account. Each Shelter layer exists to solve a specific, documented systemic failure.

• 01 · Full transparency via blockchain — Every transaction is recorded in a public, immutable ledger. Any donor can verify, in real time, that their money arrived exactly where it should. Cost per transaction: US$0.01.
• 02 · Offline-first via SMS — The infrastructure operates 100% via standard SMS commands, with no internet, smartphone or bank account required. If your phone can send a text, it can receive and use humanitarian aid.
• 03 · Self-custody and real autonomy — Beneficiaries receive funds in self-custodial wallets. No middleman can block, redirect or delay access. The money is theirs from the moment it arrives.

Field validation: no hypotheses. Three real pilots. One result: 100% operational success.

The difference between Shelter and other solutions is simple: we don't propose — we prove. Each pilot was designed to validate the system under extreme conditions.

Cusco, Peru · 2024 — 100% successful

Offline-first technology in rural Andean communities. The challenge: households without internet in rural Andean areas, with cultural and language barriers. The innovation: 100% SMS-based operation, with Quechua support for full cultural inclusion. The result: 100% success in households without connectivity and UNICEF validation in the field.

Nairobi, Kenya · 2026 — 100% successful

USDC to Kenyan shillings via M-Pesa — no banks. The challenge: Advantage Africa beneficiaries without bank access in peri-urban areas. The solution: Xcapit + Rumsan + Kotani Pay, with USDC → KES conversion on M-Pesa. The numbers: 3,510 USDC distributed and 54 successful off-ramp transactions.

Caracas, Venezuela · 2026 — 5/5 satisfaction

Fe y Alegría: US$100 USDT for 30 teachers in FORUM supermarkets. The challenge: educators with tight budgets in a low-connectivity context. The solution: SMS-created wallet, FORUM payment with national ID, zero technical friction. The numbers: US$3,000 USDT distributed, 100% delivered, 0 technical issues and 94% spent on food.

"Beyond what it means for feeding my family… the real benefit is the joy." — José Quiroz, Coordinator, Virginia de Ruiz II School, Fe y Alegría Venezuela · April 2026.

Why Xcapit: proven infrastructure with institutional backing

We are not a startup with a bright idea. We are proven infrastructure with institutional backing. Founded in 2018 at the intersection of the SDGs and impact technology, Xcapit was in 2021 the first Argentine startup selected by UNICEF Venture Fund. We are certified as a Digital Public Good (DPG) by the DPG Alliance and ISO 27001 — the international standard for information security.

• UNICEF Venture Fund — Seed and growth-stage financing.
• IDB Lab — Strategic partner for impact and development in Latin America.
• Santander X — Technology partner in the global fintech ecosystem.
• UTN + UNC — Academic validation and applied research.

Who is Shelter for?

For any organization that wants every committed dollar to arrive intact and with dignity. Shelter is not a niche solution. It is modular infrastructure that can be integrated into any aid-distribution ecosystem in approximately two weeks.

• National and local governments — Modernization of social benefits and direct transfers to unbanked populations.
• Private foundations — Impact maximization with delivery that is 100% traceable and auditable for donors and investors.
• International bodies — Development and humanitarian-response agencies that need speed, efficiency and traceability.
• NGOs and civil society — Field organizations with direct access to communities that need reliable payment infrastructure in low-connectivity environments.

Let's build the next pilot together. If your mission aligns with ours, let's talk. The Xcapit team is ready to design the implementation your organization needs. Learn more about our platform on the case study page or contact us directly. Contact: José Trajtenberg, CEO — linkedin.com/in/jtrajtenberg · www.xcapit.com. Estimated technical integration: 2 weeks.