Blog
Payments, wallets, financial inclusion, AI credit scoring and tokenized assets: technology for financial products that scale.
Banks and government agencies can use AI on sensitive data while keeping it encrypted throughout the process. How homomorphic encryption works when applied to AI.
Autonomous collateral locking, real-time value monitoring and guaranteed algorithmic execution: the three tools reshaping risk analysis in agricultural credit.
From our work with Banco Industrial and a leading fintech to the mutual guarantee ecosystem: how smart contracts shield credit risk and cut guarantee issuance from weeks to minutes.
Farms are full of high-value, illiquid assets: stored grain, growing herds, forward contracts. How real-world asset tokenization turns them into digital collateral without liquidating them.
Blockchain, SMS and stablecoins serving those who need them most. No banks. No middlemen. No friction. Shelter is Xcapit's humanitarian aid disbursement platform — 167 countries reached, 70K+ people impacted, 3 pilots completed, 2 weeks of technical integration.
Why the next generation of agricultural credit in Latin America runs on tokenized commodity warrants — and what the 2026 stack actually looks like.
Under the UNICEF Venture Fund, Xcapit and Fe y Alegría delivered $3,000 USDT to 30 teachers in Caracas via SMS wallet and FORUM supermarkets. 100% operational success rate, 5/5 satisfaction, and 94% spent on food. The story of a pilot that proved technology can become invisible — and leave only dignity behind.
UNICEF Venture Fund published the results of AidLink's stablecoin cash transfer pilot in Nairobi: 49 beneficiaries received USDC via SMS wallet and off-ramped to M-Pesa with a 100% completion rate. Field lessons that strengthen our infrastructure.
Inside UNICEF's AidLink project -- the modular pipeline connecting beneficiary registration, blockchain-powered disbursement, and mobile money last-mile delivery that is redefining how humanitarian cash transfers reach the people who need them most.
Bonum is a new Xcapit Labs product that transforms mutuals and cooperatives into digital ecosystems with a closed-loop wallet: tax optimization, financial control, and a connected local economy.
Bonum is a digital benefits platform for mid-to-large companies: closed-loop wallet, real tax savings, reduced labor costs, and greater employee satisfaction.
In November 2024, Xcapit Labs launched with Naranja X a guaranteed credit pilot using crypto-assets as collateral through smart contracts on Rootstock. A milestone in blockchain applied to financial services in Latin America.
Technical deep dive into the guaranteed credit pilot architecture between Xcapit Labs and Naranja X: smart contracts, non-custodial wallet, KYC/AML compliance, interoperability, and scalability to new sectors.
How to build compliant fintech software from the ground up. Covers PCI DSS, AML/KYC, open banking API security, GDPR data protection, and regulatory architecture patterns for 2025.
Explore real-world asset tokenization use cases across real estate, agriculture, finance, and art. Learn about ERC-3643, custody, and regulatory compliance.
A comprehensive penetration testing checklist for fintech and financial applications. Covers authentication, API security, payment flows, data protection, infrastructure, and mobile testing with PCI DSS and SOC 2 compliance requirements.
In August 2024, Xcapit piloted a smart wallet that lets people send, receive, and spend crypto using only SMS — no internet, no smartphone, no crypto knowledge required. Here's what happened when we tested it with real users in Cusco.
How blockchain-based stablecoin collateral can give millions of rejected credit applicants their first card — with real results from a pilot in Argentina.
How Xcapit and Naranja X used blockchain-based stablecoin collateral to approve credit cards for people rejected by traditional scoring — with zero default risk.
How Xcapit built a blockchain-based digital wallet that reached 4M+ people across 167+ countries as part of the UNICEF Innovation Fund — recognized as a Digital Public Good by the DPGA.
How Xcapit Labs designed and developed a closed-loop digital wallet that transforms corporate benefits management, creating a virtuous economic cycle in local communities.