# Xcapit — Custom Software Development Company > Xcapit (CRYPTOLAB S.A.S.) is a custom software development company founded in 2018, specializing in AI, Blockchain, and Cybersecurity. We've delivered 167+ projects for clients including UNICEF, Ethereum Foundation, and BID Lab. Offices in Córdoba (Argentina), Lima (Peru), and Miami (USA). Certified: Digital Public Goods, ISO 27001. Website: https://www.xcapit.com --- ## About Xcapit ### Mission & Philosophy We started as a product startup. That changed everything. Before building for others, we built our own products. Every line of code must generate value — we are a partner, not a vendor. From projects with UNICEF Innovation Fund to banks and SMEs that need robust and innovative solutions. ### Core Competencies **Artificial Intelligence (ML, NLP, Computer Vision)** Machine learning models, natural language processing and computer vision integrated into real business processes. **Blockchain (Smart Contracts, DeFi, Wallets)** Smart contracts, DeFi platforms and decentralized wallets focused on security, compliance and UX. **Cybersecurity (Pentesting, Audits, ISO 27001)** Security audits, pentesting and consulting with ISO 27001 certification for financial and high-risk environments. ### Team Engineers who think like founders. We come from building our own products. That's why every team member understands that software isn't measured just by its technical quality, but by the value it generates for the business. Engineers, security researchers, AI specialists and product designers — with presence in Argentina, Peru and United States. ### Offices - Córdoba, Argentina - Lima, Peru - Miami, USA ### Certifications - Digital Public Goods (DPG) - ISO 27001 - GitLab Open Source Partner ### Impact - 4M+ people reached - 100% client satisfaction - 167+ countries with users --- ## Services ### AI & Machine Learning Development We build custom AI and machine learning solutions that automate decisions, extract insights, and transform business processes. From predictive models to computer vision — engineered for production. **Capabilities:** - **Natural Language Processing:** Custom NLP models and LLM integrations for document processing, chatbots, sentiment analysis, and knowledge extraction at scale. - **Computer Vision:** Image recognition, object detection, and visual inspection systems for manufacturing, healthcare, and security applications. - **Predictive Analytics:** Machine learning models for demand forecasting, risk scoring, churn prediction, and recommendation engines tailored to your data. - **MLOps & Integration:** End-to-end ML pipelines with monitoring, retraining, and seamless integration into your existing infrastructure and workflows. **FAQ:** Q: What types of AI solutions do you build? A: We build custom AI solutions including NLP models, computer vision systems, predictive analytics, recommendation engines, and LLM-powered applications. Each solution is tailored to your specific business needs and data. Q: How long does it take to develop an AI solution? A: A proof of concept typically takes 4-8 weeks. Production-ready solutions range from 3-6 months depending on complexity, data availability, and integration requirements. We follow an iterative approach with regular deliverables. Q: Do you work with our existing data infrastructure? A: Yes. We integrate with your existing data pipelines, warehouses, and cloud infrastructure. We support AWS, GCP, Azure, and on-premise deployments with proper MLOps practices for monitoring and retraining. Q: What industries have you built AI solutions for? A: We have experience across fintech, international development (UNICEF), agriculture, healthcare, and enterprise SaaS. Our team understands both the technical and regulatory requirements of each sector. Learn more: https://www.xcapit.com/en/services/ai-development --- ### Blockchain & Web3 Development We build production-grade blockchain applications — from smart contracts and DeFi protocols to digital wallets and tokenization platforms. Security-first engineering with deep audit expertise. **Capabilities:** - **Smart Contract Development:** Solidity and Rust smart contracts for Ethereum, Polygon, and other EVM-compatible chains. Gas-optimized, audited, and production-ready. - **Digital Wallets & DApps:** Non-custodial wallets, DeFi interfaces, and decentralized applications with intuitive UX that reach millions of users worldwide. - **Tokenization Platforms:** Asset tokenization for real estate, carbon credits, and financial instruments. Compliant token design with proper legal frameworks. - **DeFi Protocol Development:** Lending protocols, DEX integrations, yield strategies, and liquidity management built with security best practices and formal verification. **FAQ:** Q: Which blockchain networks do you work with? A: We work with Ethereum, Polygon, RSK, Solana, and other EVM-compatible chains. We also have experience with enterprise blockchains like Hyperledger. We help you choose the right network based on your requirements for speed, cost, and decentralization. Q: How do you ensure smart contract security? A: Security is built into our process: we follow secure coding patterns, conduct internal audits, use formal verification tools, and recommend third-party audits for production deployments. Our cybersecurity team has ISO 27001 certification. Q: Can you tokenize real-world assets? A: Yes. We have experience tokenizing carbon credits, financial instruments, and other real-world assets. We handle the technical implementation including token standards, compliance requirements, and marketplace integration. Q: What was your experience with UNICEF? A: We built a digital wallet that reached 4M+ people across 167+ countries as part of the UNICEF Innovation Fund. The project focused on financial inclusion using blockchain technology to bring digital assets to underserved populations. Learn more: https://www.xcapit.com/en/services/blockchain-development --- ### Cybersecurity Consulting & Audit Services We provide comprehensive cybersecurity services — from penetration testing and smart contract audits to ISO 27001 consulting. Protecting fintech platforms, blockchain protocols, and enterprise systems. **Capabilities:** - **Penetration Testing:** Black-box, grey-box, and white-box testing for web applications, APIs, mobile apps, and network infrastructure following OWASP and PTES methodologies. - **Smart Contract Auditing:** Security audits for Solidity and Rust smart contracts. Static analysis, manual review, and formal verification to identify vulnerabilities before deployment. - **ISO 27001 Consulting:** End-to-end consulting for ISO 27001 certification. Gap analysis, risk assessment, policy development, and audit preparation for information security management. - **Security Architecture:** Security architecture review, threat modeling, and secure development lifecycle implementation. We help your team build security into every stage of development. **FAQ:** Q: What types of penetration testing do you offer? A: We offer web application, API, mobile, network, and smart contract penetration testing. Our approach follows OWASP Testing Guide and PTES methodologies, with detailed reports including remediation recommendations. Q: How long does an ISO 27001 certification process take? A: The typical timeline is 6-12 months from gap analysis to certification, depending on your organization's current maturity level. We guide you through every stage: gap analysis, risk assessment, policy development, implementation, and audit preparation. Q: Do you offer ongoing security monitoring? A: Yes. Beyond one-time audits, we offer ongoing vulnerability assessments, security monitoring, and incident response planning. We help you build internal security capabilities while providing expert oversight. Q: What industries do you specialize in? A: We specialize in fintech, blockchain/DeFi, and enterprise software security. Our team understands the specific regulatory requirements (PCI-DSS, SOC 2, GDPR) and threat landscapes of these sectors. Learn more: https://www.xcapit.com/en/services/cybersecurity --- ### Custom Software Development We design, build, and maintain custom software solutions that adapt to your processes and grow with your business. From MVPs to enterprise platforms — full-stack, cloud-native, and built for production. **Capabilities:** - **Web & Mobile Applications:** Responsive web applications and native mobile apps built with modern frameworks. From customer-facing products to internal tools and admin panels. - **Cloud-Native Architecture:** Microservices, serverless functions, and containerized applications deployed on AWS, GCP, or Azure. Designed for reliability, scalability, and cost efficiency. - **API Development & Integration:** RESTful and GraphQL APIs for system integration, third-party services, and data exchange. Clean, documented, and built with security best practices. - **Legacy Modernization:** Migrate from legacy systems to modern architectures without disrupting operations. Incremental refactoring, data migration, and technology stack upgrades. **Technology Stack:** TypeScript, Node.js, Python, React, Next.js, React Native, PostgreSQL, MongoDB, AWS, GCP, Azure, Docker, Kubernetes. **FAQ:** Q: What technologies do you work with? A: We work with TypeScript/Node.js, Python, React, Next.js, React Native, PostgreSQL, MongoDB, and cloud platforms (AWS, GCP, Azure). We choose the right stack based on your project requirements, team capabilities, and long-term maintenance needs. Q: How do you manage software projects? A: We use agile methodology with 2-week sprints, daily standups, and regular demos. You get full visibility through project management tools, Git repositories, and direct communication with the engineering team. Q: Can you take over an existing codebase? A: Yes. We regularly onboard existing projects. We start with a code audit to assess technical debt, security, and architecture. Then we create a roadmap for improvements alongside feature development. Q: Do you offer post-launch support? A: Yes. We offer ongoing maintenance, monitoring, and support packages. This includes bug fixes, performance optimization, security updates, and feature enhancements. We treat your product as our own. Learn more: https://www.xcapit.com/en/services/custom-software --- ### AI Agents Development We build production-grade AI agents for enterprise — autonomous systems that reason, act, and learn using LLMs, MCP integrations, and multi-agent orchestration. From document processing to customer support automation. **Capabilities:** - **Enterprise AI Agents:** Autonomous agents with perception, reasoning, action, and memory layers. Built with ReAct patterns, Chain-of-Thought reasoning, and error recovery for reliable production use. - **MCP Integration:** Model Context Protocol (MCP) compliant tool integrations connecting AI agents to CRM, ERP, databases, and legacy systems. Vendor-independent architecture that works across LLM providers. - **Multi-Agent Systems:** Hierarchical, sequential, and collaborative agent orchestration for complex workflows. Specialized agents coordinated by supervisors for document processing, analysis, and decision-making. - **LLM Strategy & Optimization:** API-based (Claude, GPT, Gemini) and on-premise (Llama, Mistral) deployment options. Token proxy patterns, model routing by complexity, response caching, and cost optimization. **Use Cases:** - Document processing and analysis (80% reduction in processing time) - Intelligent customer support (60-80% resolution rate) - Automated code review and security scanning - Data analysis and natural-language reporting - Compliance monitoring and regulatory tracking - IT operations and incident response **FAQ:** Q: What is an AI agent vs. a chatbot? A: An AI agent autonomously reasons and takes actions — it can call tools, query databases, make API calls, and chain multiple steps. A chatbot generates text responses. Agents solve complex tasks; chatbots answer questions. Q: What is MCP and why does it matter? A: The Model Context Protocol (MCP) is a universal standard for connecting AI models to external tools and data. It eliminates the N×M integration problem: one protocol connects any LLM to any tool, with security and credential management built in. Q: How do you ensure AI agent reliability in production? A: We implement retry logic, circuit breakers, human-in-the-loop checkpoints, comprehensive logging, and guardrails. Every agent action is auditable. We use structured prompts and validation layers to minimize hallucination and errors. Q: Can AI agents work with our existing systems? A: Yes. Through MCP servers and custom integrations, agents connect to your existing CRM, ERP, databases, APIs, and file systems without requiring changes to your infrastructure. Learn more: https://www.xcapit.com/en/services/ai-agents --- ## Industries ### Fintech We build compliant, secure financial software from the ground up. Our fintech expertise spans payments, lending, blockchain finance, and regulatory technology. **Expertise areas:** - PCI DSS 4.0 compliance for payment processing - AML/KYC integration and identity verification - Open Banking / PSD2 API security - SOC 2 Type II audit readiness - GDPR, LGPD, CCPA data protection - Blockchain-based payment infrastructure - Compliance-first architecture with audit trails and RBAC **Notable projects:** Naranja X blockchain collateral for credit, UNICEF digital wallet, Bonum corporate benefits platform. Learn more: https://www.xcapit.com/en/industries/fintech --- ### Energy & Utilities We help energy companies digitize operations, tokenize assets, and build smart infrastructure for the renewable energy transition. **Expertise areas:** - Smart grid management and real-time monitoring - Demand forecasting with AI/ML - Energy tokenization and peer-to-peer trading - Carbon credit management and Renewable Energy Certificates (RECs) - IoT and SCADA system integration - Predictive maintenance - ESG platforms and sustainability reporting **Notable projects:** EPEC energy tokenization (3-token system for citizen participation in solar energy), smart grid integrations. Learn more: https://www.xcapit.com/en/industries/energy --- ### Government We build transparent, inclusive digital infrastructure for government institutions — from digital identity systems to blockchain-based governance and financial inclusion programs. **Expertise areas:** - Digital identity integration (government ID systems) - Financial inclusion infrastructure for unbanked populations - Blockchain for transparent and auditable public processes - Renewable energy and sustainability governance - Multi-stakeholder collaboration (public-private-academic) **Notable projects:** UNICEF Innovation Fund digital wallet, EPEC/Government of Córdoba energy tokenization, SMS wallet pilot in Cusco (Peru). Learn more: https://www.xcapit.com/en/industries/government --- ## How We Work ### Our 6-Phase Process **Phase 1: Discovery & Requirements** We deeply understand your business context, goals, constraints, and user needs. Research, stakeholder interviews, and competitive analysis to define a clear project scope. **Phase 2: Architecture & Design** We design the system architecture, user experience, and technical foundation. Wireframes, prototypes, technology selection, and infrastructure planning. **Phase 3: Development** Iterative development in 2-week sprints. Continuous integration, code reviews, and regular demos. You see progress every two weeks and can adjust priorities. **Phase 4: Quality Assurance** Comprehensive testing: unit tests, integration tests, end-to-end tests, performance testing, and security audits. We don't ship until quality meets our standards. **Phase 5: Launch & Deployment** Production deployment with zero-downtime strategies. Monitoring setup, alerting, documentation, and knowledge transfer to your team. **Phase 6: Support & Evolution** Ongoing maintenance, monitoring, and feature development. Bug fixes, security updates, performance optimization, and continuous improvement. Learn more: https://www.xcapit.com/en/how-we-work --- ## Engagement Models ### Dedicated Team An exclusive team (3-8 people) working on your project. Monthly retainer. Best for long-term projects (6+ months) with evolving requirements. Maximum control and flexibility. ### Fixed-Price Defined scope for a fixed budget. Best for well-specified projects with clear requirements. Includes 15-20% contingency for scope adjustments. ### Time & Materials Pay for actual hours at agreed rates. Most common model. Flexible sprint-by-sprint budgeting with full visibility. Adjust priorities as you go. Learn more: https://www.xcapit.com/en/engagement-models --- ## Labs ### Bonum — Corporate Benefits Platform A closed-loop digital wallet SaaS for corporate benefits management. Companies distribute benefits digitally and traceably to local businesses. Creates an economic circuit where benefits fuel local economies. **Key results:** - 200+ employees using the platform - Up to 35% more effective value for employees (Article 103 BIS) - 3x local economy multiplier effect - 80% reduction in administrative burden - Measurable ESG impact Learn more: https://www.xcapit.com/en/labs/bonum --- ### Xcapit Privacy — Fully Homomorphic Encryption for ML A platform enabling machine learning on fully encrypted data using Fully Homomorphic Encryption (CKKS scheme). Organizations contribute data without ever decrypting it. **Key results:** - 559+ automated tests ensuring mathematical correctness - 15+ ML algorithms supported on encrypted data - 256-bit security parameters - Inherent GDPR, HIPAA, SOC 2, PCI-DSS compliance - Blockchain governance via Arbitrum for audit trails Learn more: https://www.xcapit.com/en/labs/privacy --- ### Shelter — Impact Asset Distribution Infrastructure SaaS infrastructure for distributing impact assets at scale — subsidies, humanitarian aid, corporate incentives. Built on blockchain for end-to-end transparency with configurable disbursement rules, real-time tracking, and multi-chain settlement. **Key results:** - 270 beneficiaries reached in Cusco pilot - $15K+ disbursed through AidLink - <2 minute settlement time - 3-partner pipeline (Rumsan + Xcapit + Kotani Pay) - Recognized as Digital Public Good - UNICEF Innovation Fund backed **AidLink Pipeline:** Rumsan handles beneficiary registration and verification, Xcapit/Shelter provides the smart contract disbursement engine, and Kotani Pay delivers last-mile mobile money access. Learn more: https://www.xcapit.com/en/labs/shelter --- ### ArgenTor — Secure Multi-Agent AI Framework A production-grade multi-agent AI orchestration framework built entirely in Rust. ArgenTor provides WASM-sandboxed plugin execution, centralized MCP protocol proxy, human-in-the-loop approval workflows, and built-in compliance for enterprise AI deployments. **Key results:** - 13 modular Rust crates with clear architectural boundaries - 483 passing tests (unit, integration, end-to-end) - 5 typed communication channels with backpressure and deadlock detection - WASM sandboxing via wasmtime for plugin isolation - Built-in compliance: GDPR, ISO 27001, ISO 42001, DPGA - Zero Clippy warnings across entire codebase **Technology:** Rust, Tokio, WASM/wasmtime, Model Context Protocol (MCP) Learn more: https://www.xcapit.com/en/labs/argentor --- ### AiSec — AI Agent Security Analysis Framework A comprehensive security analysis framework for AI agent systems. AiSec deploys 35 specialized security agents that scan, detect, and auto-remediate vulnerabilities with Docker-sandboxed execution and compliance-ready reporting. **Key results:** - 35 specialized security agents covering all AI attack vectors - 250+ vulnerability detectors - 63 findings in OpenClaw audit (4.2x more than Snyk/Semgrep) - 31 cross-agent correlation rules for compound vulnerabilities - 8 compliance frameworks (OWASP AI Top 10, NIST AI RMF, EU AI Act, ISO 42001, ISO 27001, GDPR, SOC2, MITRE ATLAS) - 4-minute average scan time with parallel execution - Auto-remediation with generated code patches **Technology:** Python/Django, Docker/Kubernetes, Falco/eBPF, SARIF Learn more: https://www.xcapit.com/en/labs/aisec ### XNinja — Automated Penetration Testing & Compliance Platform A multi-agent SaaS platform for automated penetration testing for enterprises and SMEs. XNinja combines LangGraph-powered AI agents with industry-standard tools (Nmap, Nuclei, TestSSL) for discovery, vulnerability scanning, and compliance mapping. **Key results:** - 5 compliance frameworks (ISO 27001, NIS2, BSI IT-Grundschutz, DSGVO, TISAX) - 8 integrated security tools for automated scanning - Multi-tenant SaaS with full tenant isolation and RBAC - Contextual risk scoring with KEV, KRITIS, GDPR factors and CVSS - PDF/DOCX export for executive summaries, technical reports, and audit reports - RAG-powered knowledge base for security advisories - Real-time WebSocket scan monitoring - Multilingual findings and reports (German/English) **Technology:** Angular 19/Ionic 8, Django 5.2/DRF/Channels, PostgreSQL 16/pgvector, LangGraph/Ollama, Celery/Redis Learn more: https://www.xcapit.com/en/labs/xninja --- ## Case Studies ### UNICEF Digital Wallet: Financial Inclusion for 4M+ People **Client:** UNICEF Innovation Fund **Industry:** International Development **Technologies:** React Native, Solidity, Ethereum, RSK, Polygon, Node.js, TypeScript **Key Metrics:** - 4M+ people reached - 167+ countries - 100% open source - 5+ years in production **The Challenge:** Financial exclusion affects over 1.4 billion adults worldwide. UNICEF's Innovation Fund recognized that blockchain technology could provide a path to financial inclusion — but only if the technology was accessible, secure, and designed for users who may have never interacted with digital financial services before. The challenge was multifaceted: build a wallet that handles real financial value with bank-grade security, works on affordable Android devices with limited storage and processing power, operates in regions where internet connectivity is intermittent, and provides an experience simple enough for first-time digital financial service users. **Our Solution:** We designed and built a non-custodial digital wallet with a focus on accessibility and security. The application supports multiple blockchain networks, provides intuitive asset management, and works on low-end devices with intermittent connectivity. - **Non-Custodial Architecture:** Users maintain full control of their private keys. This eliminates single points of failure and ensures that no central authority can freeze or seize user funds. The key management system uses industry-standard BIP39 mnemonics with additional security layers for key derivation. - **Multi-Chain Support:** The wallet supports Ethereum, RSK, and Polygon networks, allowing users to interact with different blockchain ecosystems. The abstraction layer means adding new networks requires minimal code changes. - **Offline-First Design:** Transaction preparation and signing happen locally, with synchronization when connectivity is available. Users can always access their balance information and prepare transactions. **Results:** The wallet has reached over 4 million people across more than 167 countries. It has been recognized as a Digital Public Good by the DPGA, making the codebase available for other organizations to build upon. The project demonstrated that blockchain technology, when properly implemented with user-centered design, can meaningfully contribute to financial inclusion. **Client Testimonial:** "Congratulations to Xcapit for their excellent work. Their technology is bringing digital assets closer to those who need them most, helping UNICEF Innovation bring the benefit of technology to the last mile." — Shane O'Connor, Innovation Manager, UNICEF Learn more: https://www.xcapit.com/en/case-studies/unicef-digital-wallet --- ### EPEC Energy Tokenization: Citizen Participation in Renewable Energy **Client:** EPEC (Provincial Energy Company) & Government of Córdoba, Argentina **Industry:** Energy & Utilities / Renewable Energy **Technologies:** Solidity, Polygon, TypeScript, Node.js, React, Smart Contracts **Key Metrics:** - 3-token system enabling citizen participation in renewable energy - First deployment at Mundo Maipú solar park (1,656 panels, 828 kWp) - Scaling to 3 additional community generation parks - Integrated with Ciudadano Digital government identity system **The Challenge:** Argentina's energy sector needed a mechanism to let citizens directly participate in and benefit from renewable energy generation. Traditional models excluded individual citizens from ownership and economic benefit of solar parks. The government required transparency, traceability, and integration with existing digital identity infrastructure. **Our Solution:** We designed and built a three-token blockchain system: - **PUG Token (Participation):** Represents citizen participation rights in a community generation park. - **ERI Token (Economic Utility):** Represents the economic utility derived from energy generation — credits applied to electricity bills. - **Sustainability Token:** Represents the environmental attributes, enabling Renewable Energy Certificate (REC) issuance on blockchain. The platform integrates with Ciudadano Digital (government digital identity system), ensuring KYC compliance and citizen authentication. All transactions are recorded on Polygon blockchain for transparency and auditability. **Results:** The first deployment at Mundo Maipú solar park demonstrated that blockchain tokenization can democratize access to renewable energy. Citizens can purchase tokens, receive economic benefits on their electricity bills, and hold verifiable sustainability credentials. The model is scaling to additional solar parks across Córdoba province. Learn more: https://www.xcapit.com/en/case-studies/epec-energy-tokenization --- ### Bonum: Corporate Benefits Platform with Local Economy Impact **Client:** Agribusiness company in Córdoba (200+ employees) **Industry:** HR/Benefits / FinTech **Technologies:** React Native, Node.js, TypeScript, PostgreSQL, Cloud SaaS **Key Metrics:** - 200+ employees using the platform - Up to 35% more effective value under Article 103 BIS - 3x local economy multiplier effect - 80% reduction in administrative burden **The Challenge:** A large agribusiness company in a small town (10,000 inhabitants) needed to distribute employee benefits efficiently while maximizing value for employees and contributing to the local economy. Traditional benefit systems were administratively heavy, lacked traceability, and provided no measurable community impact. **Our Solution:** We built Bonum — a closed-loop digital wallet SaaS platform. Companies distribute benefits digitally; employees spend them at local businesses; the platform tracks every transaction for compliance and ESG reporting. - **Closed-Loop Economy:** Benefits circulate within the local business ecosystem, creating a multiplier effect where every peso generates additional economic activity. - **Digital Traceability:** Every transaction is recorded, providing compliance with Argentine labor law (Article 103 BIS) and measurable ESG metrics. - **Multi-Tenant SaaS:** Cloud-native architecture supporting multiple companies and locations with tenant isolation and scalability. **Results:** The platform created a measurable 3x local economy multiplier effect, significantly improved employee satisfaction, and reduced administrative overhead by 80%. The model demonstrates how technology can create shared value — companies optimize benefits, employees receive more effective value, and local communities benefit from increased economic activity. Learn more: https://www.xcapit.com/en/case-studies/bonum-corporate-benefits --- ### Xcapit Privacy: Machine Learning on Fully Encrypted Data **Industry:** AI/ML Security / Privacy-Preserving Computation **Technologies:** TenSEAL, CKKS FHE, FastAPI, Python, Arbitrum, React, PostgreSQL, Docker **Key Metrics:** - 559+ automated tests for mathematical correctness - 15+ ML algorithms supported on encrypted data - 256-bit security parameters - Inherent compliance with GDPR, HIPAA, SOC 2, PCI-DSS **The Challenge:** Organizations that need collaborative machine learning — banks detecting cross-institutional fraud, hospitals pooling patient data for research, insurers sharing risk models — face a fundamental barrier: data privacy regulations and competitive concerns prevent sharing raw data. Existing approaches (anonymization, synthetic data, federated learning) either compromise data utility or still expose information during computation. **Our Solution:** We built a platform using Fully Homomorphic Encryption (FHE) with the CKKS scheme that enables computation on data that remains encrypted throughout the entire process: - **Encrypted Computation:** Data is encrypted at the source and never decrypted during ML training or inference. Mathematical operations are performed directly on ciphertext. - **15+ ML Algorithms:** Supports linear regression, logistic regression, decision trees, random forests, SVM, k-means, PCA, neural networks, and more — all operating on encrypted data. - **Blockchain Governance:** Arbitrum-based smart contracts manage access permissions, audit trails, and computation governance with immutable records. - **559+ Tests:** Comprehensive test suite ensures mathematical correctness of all encrypted operations. **Results:** The platform enables organizations to collaborate on ML models without ever exposing raw data. Compliance is inherent — there's no data to breach because the data is never decrypted outside the owner's control. The approach opens new possibilities for cross-institutional collaboration in healthcare, finance, insurance, and government. Learn more: https://www.xcapit.com/en/case-studies/xcapit-privacy-fhe --- ### Naranja X: Blockchain Collateral for Financial Inclusion **Client:** Naranja X (Major Argentine Credit Card Issuer) **Industry:** FinTech / Financial Inclusion **Technologies:** Polygon, Solidity, Chainlink Oracles, USDC, Self-Custodial Wallet, Smart Contract Escrow, Bank API Integration **Key Metrics:** - 16 people obtained first-ever credit cards in pilot - Average collateral deposit: 38 USDC - 81% card activation rate within 30 days - 100% user satisfaction (8.9/10 recommendation score) - Zero default risk for the issuer - Addresses 3.5M annual card rejections in Argentina **The Challenge:** In Argentina, 3.5 million credit card applications are rejected annually, and 1.48 million credit limit increase requests are denied. These rejections aren't always about inability to pay — many applicants simply lack sufficient credit history. Traditional credit scoring models exclude people who could be reliable payers if given the opportunity. **Our Solution:** We built a blockchain-based infrastructure that allows rejected credit applicants to secure credit lines using stablecoin collateral: - **Self-Custodial Escrow:** Users deposit USDC into a smart contract that neither Xcapit nor the bank can access. The collateral automatically releases when the credit relationship matures. - **Chainlink Oracles:** Price feeds ensure accurate USDC/ARS conversion for collateral valuation. - **Credit History Building:** With consistent payments, users build traditional credit scores, eventually graduating to unsecured credit. - **Dollar-Denominated Protection:** USDC collateral provides inflation protection in a high-inflation economy. **Results:** The pilot validated the model: 16 people who had been rejected for credit obtained their first-ever credit cards. The 81% activation rate and 8.9/10 recommendation score demonstrated strong product-market fit. Zero default risk eliminates the issuer's credit risk entirely. The projected annual revenue from a single issuer is $1.14M, with potential to address millions of rejected applicants across Latin America. Learn more: https://www.xcapit.com/en/case-studies/naranja-x-blockchain-collateral --- ## Client Testimonials "Congratulations to Xcapit for their excellent work. Their technology is bringing digital assets closer to those who need them most, helping UNICEF Innovation bring the benefit of technology to the last mile." — Shane O'Connor, Innovation Manager, UNICEF "Working with the Xcapit team has been a privilege. Their mastery of technologies like blockchain and AI, along with their innovative approach, sets them apart. They are creative, agile and exceptional at turning complex ideas into concrete, functional solutions." — Luis Bocchi, CTO, LACNet (BID Lab) "Xcapit has great blockchain-based technology that enables traceability of donation payments, as well as supporting the unbanked and low-income families." — Luis Barragan Scavino, Founder & CEO, Big Data SAC "Working with Xcapit has been exceptional. Their innovation in blockchain and their collaborative approach helped us reach new heights. Highly recommended!" — Carlos Mendoza, CTO, Tech Innovations S.A. --- ## Blog ### Custom Software vs Off-the-Shelf: The Complete Decision Guide for 2026 Not sure whether to build custom software or buy off-the-shelf? This comprehensive guide compares total cost of ownership, scalability, security, and long-term ROI to help you make the right decision in 2026. Read more: https://www.xcapit.com/en/blog/custom-software-vs-off-the-shelf-guide ### How Much Does Custom Software Development Cost in 2026? A transparent breakdown of custom software development costs in 2026. Learn what drives pricing, realistic budget ranges by project type, hidden costs to plan for, and how to maximize ROI on your investment. Read more: https://www.xcapit.com/en/blog/custom-software-development-cost-2026 ### The Custom Software Development Process: A Step-by-Step Guide A comprehensive guide to the custom software development lifecycle — from discovery and requirements gathering through architecture, development, testing, deployment, and ongoing support. Read more: https://www.xcapit.com/en/blog/custom-software-development-process-step-by-step ### How to Build an AI Agent for Enterprise: Architecture, Tools & Best Practices A technical guide to building production-grade AI agents for enterprise — covering architecture patterns, MCP integration, LLM strategy, multi-agent systems, and best practices for reliability, security, and cost management. Read more: https://www.xcapit.com/en/blog/how-to-build-ai-agent-enterprise ### MCP Servers Explained: The New Standard for AI Tool Integration Learn how the Model Context Protocol (MCP) solves the AI tool integration problem. Understand MCP server architecture, enterprise patterns, and why MCP is becoming the standard for connecting AI models to external tools and data sources. Read more: https://www.xcapit.com/en/blog/mcp-servers-explained-ai-tools-standard ### Smart Contract Security: 10 Common Vulnerabilities and How to Prevent Them Explore the 10 most common smart contract vulnerabilities including reentrancy attacks, flash loan exploits, and oracle manipulation. Learn prevention strategies and security best practices to protect your blockchain applications. Read more: https://www.xcapit.com/en/blog/smart-contract-security-common-vulnerabilities ### Blockchain for Supply Chain: Real-World Applications Beyond the Hype Explore real-world blockchain supply chain use cases from food safety to carbon credits. Learn how immutable traceability, smart contracts, and tokenized assets solve critical supply chain problems with practical implementation patterns. Read more: https://www.xcapit.com/en/blog/blockchain-supply-chain-real-world-applications ### Penetration Testing Checklist for Fintech Applications 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. Read more: https://www.xcapit.com/en/blog/penetration-testing-checklist-fintech ### Custom Software for Fintech: A Compliance-First Development Guide 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 2026. Read more: https://www.xcapit.com/en/blog/custom-software-fintech-compliance-guide ### Custom Software for Energy & Utilities: Digital Transformation Guide How custom software is transforming the energy and utilities sector. Covers smart grid management, energy tokenization, IoT and SCADA integration, ESG reporting, and real-world case studies. Read more: https://www.xcapit.com/en/blog/custom-software-energy-utilities ### How to Choose a Custom Software Development Company in 2026 A practical guide for CTOs and decision-makers evaluating custom software development partners. Key criteria, red flags, and questions to ask before signing a contract. Read more: https://www.xcapit.com/en/blog/how-to-choose-custom-software-development-company ### AI in Enterprise Software: A Practical Guide for Decision Makers How to evaluate, implement, and measure AI in enterprise software. Real-world use cases, build vs. buy decisions, and avoiding common pitfalls. Read more: https://www.xcapit.com/en/blog/ai-in-enterprise-software-practical-guide ### Blockchain Security Audit Checklist for DeFi Projects A comprehensive security audit checklist for DeFi smart contracts and protocols. Common vulnerabilities, testing methodologies, and best practices for blockchain security. Read more: https://www.xcapit.com/en/blog/blockchain-security-audit-checklist-defi ### How We Got ISO 27001 Certified — And What It Means for Our Clients Xcapit's journey to ISO/IEC 27001 certification: why we pursued it, what the process involved, and how our clients benefit from independently verified information security. Read more: https://www.xcapit.com/en/blog/xcapit-iso-27001-certification-journey ### Humanitarian Aid Infrastructure for Low or No Connectivity — Pilot in Cusco, Peru 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. Real user testing in Cusco with results and learnings. Read more: https://www.xcapit.com/en/blog/sms-blockchain-wallet-pilot-cusco-peru ### Alternative Collateral: How Blockchain Can Unlock Credit for the Unbanked How blockchain-based stablecoin collateral can give millions of rejected credit applicants their first card — with real results from a pilot in Argentina with Naranja X. Read more: https://www.xcapit.com/en/blog/alternative-collateral-blockchain-credit-unbanked ### Additional Blog Posts - **Account Abstraction: ERC-4337 and the Future of Crypto UX** — How ERC-4337 eliminates seed phrases and gas fees. https://www.xcapit.com/en/blog/account-abstraction-erc-4337-guide - **Agile Estimation Techniques That Actually Work for Software Projects** — From story points to Monte Carlo simulations. https://www.xcapit.com/en/blog/agile-estimation-techniques-software-projects - **AI Agents in Enterprises: Between the Hype and the Real ROI** — A CEO's framework for evaluating AI agents. https://www.xcapit.com/en/blog/ai-agents-enterprise-hype-vs-roi - **AI Regulation Global Landscape: What It Means for Your Business** — Navigating EU AI Act, US executive orders, and emerging frameworks. https://www.xcapit.com/en/blog/ai-regulation-global-landscape-business-impact - **The AI Stack We Use in Production: Models & Pipelines** — Inside Xcapit's production AI stack. https://www.xcapit.com/en/blog/ai-stack-production-models-frameworks - **API-First Design for Microservices: Best Practices and Patterns** — Contract-first development and versioning strategies. https://www.xcapit.com/en/blog/api-first-design-microservices-best-practices - **Argentina's Token Regulation: What It Means for Projects** — CNV tokenization framework and VASP registration explained. https://www.xcapit.com/en/blog/argentina-token-regulation-2026 - **Blockchain for Social Impact: Lessons from Building with UNICEF** — What we learned building financial inclusion tools with UNICEF. https://www.xcapit.com/en/blog/blockchain-social-impact-unicef-lessons - **Blockchain vs Database: An Honest Guide for Clients** — Decision framework based on trust models and data requirements. https://www.xcapit.com/en/blog/blockchain-vs-database-honest-guide - **Building Lasting Tech Partnerships: An Enterprise Guide** — How to evaluate and maintain technology partnerships. https://www.xcapit.com/en/blog/building-tech-partnerships-enterprise-guide - **Cardano and eUTXO: What Changes for Ethereum Devs** — Developer guide to Cardano's eUTXO model. https://www.xcapit.com/en/blog/cardano-eutxo-developer-guide - **Cross-Chain Interoperability: Bridges, Standards, and Risks** — Bridge architectures and the billion-dollar security graveyard. https://www.xcapit.com/en/blog/cross-chain-interoperability-bridges-risks - **Designing Autonomous Agents with LLMs: Lessons Learned** — Production agent architecture and orchestration patterns. https://www.xcapit.com/en/blog/designing-autonomous-agents-llms-lessons - **Designing UX for AI Agents: Nobody Wants to See the Prompt** — Interaction patterns, trust signals, and progressive autonomy. https://www.xcapit.com/en/blog/designing-ux-ai-agents - **Building DevSecOps Pipelines for Blockchain Projects** — Smart contract static analysis and automated security testing. https://www.xcapit.com/en/blog/devsecops-pipeline-blockchain-projects - **The Digital Transformation Roadmap We Give Clients** — Why 70% of clients change their roadmap after kickoff. https://www.xcapit.com/en/blog/digital-transformation-roadmap-clients - **New Ethereum Standards in 2026: Enterprise Guide** — ERC-3643, EIP-7702, and standards enterprises must track. https://www.xcapit.com/en/blog/ethereum-new-standards-2026-enterprise - **How We Integrate AI Into Products Without It Being a Gimmick** — Framework for evaluating where AI adds genuine product value. https://www.xcapit.com/en/blog/integrating-ai-product-not-gimmick - **ISO 42001: Why AI Governance Certification Matters** — The first international standard for AI management systems. https://www.xcapit.com/en/blog/iso-42001-ai-governance-certification - **LLM Security: Defending Against Prompt Injection Attacks** — Technical deep dive into prompt injection and defenses. https://www.xcapit.com/en/blog/llm-security-prompt-injection-defenses - **Managing Distributed Software Teams Across Time Zones** — Async-first communication and overlap hour strategy. https://www.xcapit.com/en/blog/managing-distributed-teams-software-projects - **MCP Servers Explained: The New Standard for AI Tool Integration** — MCP server architecture and enterprise patterns. https://www.xcapit.com/en/blog/mcp-servers-explained-ai-tools-standard - **Multi-Model AI Agents: Combining Claude, GPT & Open-Source** — Routing patterns and cost optimization across LLM providers. https://www.xcapit.com/en/blog/multi-model-ai-agents-workflow - **From MVP to AI Product: Metrics That Actually Matter** — Phase-by-phase guide to measuring AI product success. https://www.xcapit.com/en/blog/mvp-to-ai-product-metrics-that-matter - **Why Latin America Is the Smart Choice for Software Nearshoring** — Data-driven analysis of LATAM as nearshoring destination. https://www.xcapit.com/en/blog/nearshoring-latam-software-development-advantages - **Offensive AI vs Defensive AI: The Cybersecurity Battleground** — How AI transforms both sides of cybersecurity. https://www.xcapit.com/en/blog/offensive-vs-defensive-ai-cybersecurity - **Open Letter to CTOs: What a Software Factory Can Solve** — CEO perspective on engagement models and red flags. https://www.xcapit.com/en/blog/open-letter-ctos-software-factory - **Product-Market Fit in Web3: What We Learned Launching dApps** — Lessons from launching a wallet to 4M+ users in 167 countries. https://www.xcapit.com/en/blog/product-market-fit-web3-lessons - **RAG vs Fine-Tuning: When to Use Each in Real Projects** — Decision framework for enterprise AI approaches. https://www.xcapit.com/en/blog/rag-vs-fine-tuning-real-projects - **The Real Cost of Running AI Agents in Production** — Tokens, infrastructure, monitoring, and hidden expenses. https://www.xcapit.com/en/blog/real-cost-ai-agents-production - **Real-World Asset Tokenization: Bridging Blockchain and Business** — Use cases across real estate, agriculture, finance, and art. https://www.xcapit.com/en/blog/real-world-asset-tokenization-use-cases - **How We Scale the Tech Team Without Losing Quality** — Hiring, onboarding, and culture practices at scale. https://www.xcapit.com/en/blog/scaling-tech-team-without-losing-quality - **Solidity Security Patterns We Apply in Every Audit** — Checks-effects-interactions, proxy safety, and oracle patterns. https://www.xcapit.com/en/blog/solidity-security-patterns-audit-guide - **Solidity vs Soroban vs Plutus: Choosing Your Stack** — Technical comparison for enterprise smart contracts. https://www.xcapit.com/en/blog/solidity-vs-soroban-vs-plutus-comparison - **Building on Soroban: Developing in Rust for Stellar** — Architecture, SDK, testing, and deployment on Stellar. https://www.xcapit.com/en/blog/soroban-stellar-rust-blockchain-guide - **Spec-Driven Development with AI Agents: A Practical Guide** — Automated spec generation and consistency checking. https://www.xcapit.com/en/blog/spec-driven-development-ai-agents - **Structuring Squads for AI, Blockchain & Dev Projects** — Cross-functional squad composition and orchestration. https://www.xcapit.com/en/blog/structuring-squads-ai-blockchain-projects - **Sustainability Metrics for Tech Companies: A Practical ESG Guide** — How to measure and report environmental and social impact. https://www.xcapit.com/en/blog/sustainability-metrics-tech-companies-esg - **Technical Debt Management: Strategies for Growing Startups** — How to identify, quantify, and reduce tech debt systematically. https://www.xcapit.com/en/blog/technical-debt-management-strategies-startups - **Threat Modeling for Web3: Adapting OWASP to dApps** — Web3-specific threats and dApp attack surface analysis. https://www.xcapit.com/en/blog/threat-modeling-web3-owasp-decentralized - **Waterfall to Continuous Delivery in Blockchain Projects** — Testnet-first development and automated security testing. https://www.xcapit.com/en/blog/waterfall-to-continuous-delivery-blockchain - **The Real State of Web3 Adoption in LATAM** — CEO analysis from stablecoin savings to Brazil's Drex CBDC. https://www.xcapit.com/en/blog/web3-adoption-latam-2024 - **Risk Management in Web3: What Whitepapers Won't Tell You** — Operational guide to smart contract bugs and protocol risks. https://www.xcapit.com/en/blog/web3-project-risk-management - **Why We Bet on AI + Blockchain as Our Core Strategy** — Why specializing creates sustainable competitive advantages. https://www.xcapit.com/en/blog/why-ai-blockchain-core-software-factory - **Our Vision 2025-2026: Where the Industry Is Heading** — Strategic predictions from agentic AI to regulated tokenization. https://www.xcapit.com/en/blog/xcapit-vision-2025-2026-industry-trends - **Zero Trust Architecture: A Practical Implementation Guide** — From perimeter security failure to comprehensive ZTA deployment. https://www.xcapit.com/en/blog/zero-trust-architecture-implementation-guide --- ## Contact Get a quote or consultation. We respond within 24 hours. - Website: https://www.xcapit.com/en#contacto - GitLab: https://gitlab.com/nicotorres3000/xcapit - X (Twitter): https://x.com/AiXcapit - Instagram: https://instagram.com/xcapit.official - LinkedIn: https://linkedin.com/company/xcapit