Xcapit Labs / Shelter
Programmable distribution of impact assets — UNICEF AidLink, in production
Subsidies, humanitarian aid, corporate benefits — distributed with on-chain transparency, configurable rules, hardware-light onboarding (SMS wallet works on basic phones). 319 beneficiaries reached, 100% completion in pilot. Deployed with UNICEF Venture Fund in Kenya and Peru.
Capabilities
What Shelter Does
Configurable Disbursement Rules
Define custom eligibility criteria, distribution schedules, and amount thresholds. Rules are encoded in smart contracts for automatic, tamper-proof execution.
Multi-Chain Settlement
Deploy on any EVM-compatible chain — Celo, Polygon, Arbitrum, or private networks. Settlement completes in under 2 minutes with full on-chain auditability.
Real-Time Tracking
Monitor every disbursement from initiation to beneficiary receipt. Dashboard provides live status, geographic distribution, and anomaly detection.
Beneficiary Verification
Integrate with identity providers and registration systems. Support for biometric, SMS-based, and document verification flows.
Last-Mile Delivery
Connect to mobile money providers, bank transfers, and cash-out networks. Designed for low-connectivity environments where traditional banking fails.
Compliance & Reporting
Generate audit-ready reports for donors, regulators, and oversight bodies. Every transaction is immutably recorded with full provenance.
Validation
Proven at Every Level
UNICEF Innovation Fund
Selected and funded by UNICEF as part of the AidLink consortium for humanitarian cash transfer innovation.
Digital Public Good
Recognized by the DPGA as a Digital Public Good — open-source, open data, adherent to privacy and security standards.
ISO 27001 Certified
Xcapit holds ISO 27001 certification, ensuring information security management meets international standards.
Cusco Pilot
Successfully piloted in Cusco, Peru with 100% completion rate on every targeted disbursement and materially lower fees vs traditional rails, with under 2-minute settlement times.
Our Journey
Forged in the Toughest Scenarios
Shelter is the result of years of building value distribution systems — for companies, remittances, and cross-border payments. Working with UNICEF and UNDP in the most complex conditions gave us the tools to solve it anywhere. If you can deliver in the hardest environments, you can deliver everywhere.
Enterprise Distribution
We started building blockchain-based distribution systems for corporate benefits, payroll, and incentive programs. Thousands of transactions taught us the fundamentals of reliable, auditable value delivery.
UNICEF Innovation Fund
Selected by UNICEF to build the disbursement engine for AidLink — a pipeline connecting beneficiary registration, blockchain disbursement, and mobile money conversion. The hardest use case became our proving ground.
Cusco Pilot & Kenya Expansion
Cusco, Peru pilot reached 100% completion rate on every targeted disbursement with sub-2-minute settlement and fees materially lower than traditional rails. Then expansion to Kenya with UNDP — different context, same infrastructure, proving multi-geography resilience.
Universal Value Distribution
From humanitarian cash transfers to government social programs, corporate vouchers, and climate finance. Every distribution challenge we solved in the field made Shelter stronger for every use case.
Roadmap
Vision 2026
Shelter is evolving from a pilot-proven disbursement engine to a full-featured platform for impact asset distribution at global scale.
Use Cases
Who Uses Shelter
Humanitarian Organizations
Distribute emergency aid, cash transfers, and vouchers to beneficiaries with full traceability and donor accountability.
Government Agencies
Deliver social subsidies, conditional cash transfers, and incentive programs with transparent disbursement and anti-fraud controls.
Corporations
Manage employee benefits, CSR programs, and community investment funds with automated distribution and compliance reporting.
FAQ
Frequently Asked Questions
What types of assets can Shelter distribute?
Shelter supports stablecoins, native tokens, and custom token standards on any EVM-compatible chain. This includes USDC, USDT, cUSD (Celo), and project-specific tokens for vouchers or conditional transfers.
How does Shelter handle areas with poor internet connectivity?
Shelter integrates with SMS-based wallets and mobile money providers like Kotani Pay, enabling beneficiaries to receive and use funds without internet access. Transaction preparation happens offline with synchronization when connectivity is available.
Is Shelter open source?
Yes. Shelter is recognized as a Digital Public Good by the DPGA. The core disbursement engine and smart contracts are open-source, allowing other organizations to build upon and audit the codebase.
What was the AidLink pilot?
AidLink is a consortium of Rumsan (beneficiary registration), Xcapit/Shelter (disbursement engine), and Kotani Pay (last-mile delivery), funded by UNICEF Innovation Fund. The pilot in Cusco, Peru reached 100% completion rate on every targeted disbursement with under 2-minute settlement and fees materially lower than traditional rails.
Ready to distribute impact at scale?
Whether you're an NGO, government agency, or corporation — Shelter provides the infrastructure to distribute assets transparently and efficiently.