# Xcapit

> Xcapit 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.

## Services

- [AI & Machine Learning](https://www.xcapit.com/en/services/ai-development): LLM integration, computer vision, predictive analytics, NLP
- [Blockchain & Web3](https://www.xcapit.com/en/services/blockchain-development): Smart contracts, DeFi, tokenization, wallet infrastructure
- [Cybersecurity](https://www.xcapit.com/en/services/cybersecurity): Penetration testing, ISO 27001 audits, OWASP compliance
- [Custom Software](https://www.xcapit.com/en/services/custom-software): Full-stack web/mobile, cloud architecture, API development
- [AI Agents](https://www.xcapit.com/en/services/ai-agents): Enterprise AI agents, MCP integration, multi-agent systems, LLM orchestration

## Industries

- [Fintech](https://www.xcapit.com/en/industries/fintech): PCI DSS compliance, AML/KYC, open banking, blockchain payments
- [Energy & Utilities](https://www.xcapit.com/en/industries/energy): Smart grid, energy tokenization, IoT/SCADA, ESG platforms
- [Government](https://www.xcapit.com/en/industries/government): Digital identity, financial inclusion, transparent governance

## Case Studies

- [UNICEF Digital Wallet: Financial Inclusion for 4M+ People](https://www.xcapit.com/en/case-studies/unicef-digital-wallet): Crypto wallet for 4M+ people across 167+ countries
- [Renewable Energy Tokenization for EPEC & the Government of Córdoba](https://www.xcapit.com/en/case-studies/epec-energy-tokenization): 3-token system for citizen participation in renewable energy
- [Bonum: Digital Corporate Benefits Platform](https://www.xcapit.com/en/case-studies/bonum-corporate-benefits): Closed-loop digital wallet SaaS for corporate benefits, 3x local economy multiplier
- [Xcapit Privacy: Machine Learning Without Seeing Your Data](https://www.xcapit.com/en/case-studies/xcapit-privacy): Machine learning on fully encrypted data using homomorphic encryption
- [Naranja X: Expanding Credit Access Through Blockchain-Backed Collateral](https://www.xcapit.com/en/case-studies/naranja-x-blockchain-collateral): Stablecoin collateral enabling first-ever credit cards for rejected applicants
- [Shelter × AidLink: Blockchain-Powered Humanitarian Cash Transfers for UNICEF](https://www.xcapit.com/en/case-studies/shelter-aidlink): UNICEF-backed AidLink pilots in Cusco & Kenya — blockchain disbursement for 319 beneficiaries
- [ArgenTor: Intelligent Multi-Agent AI Framework with Code Intelligence in Rust](https://www.xcapit.com/en/case-studies/argentor-ai-agents): Secure multi-agent AI framework built in Rust — WASM sandbox, MCP protocol, 14 crates, 1514 tests
- [AiSec: AI Agent Security Analysis Framework](https://www.xcapit.com/en/case-studies/aisec-security-analysis): 35 specialized security agents, 250+ detectors, OpenClaw audit (63 findings)
- [XNinja: Automated Penetration Testing & Compliance Platform](https://www.xcapit.com/en/case-studies/xninja-pentest-platform): Multi-agent AI scanning, 5 compliance frameworks (ISO 27001, NIS2, BSI, DSGVO, TISAX)
- [OrchestAI: Enterprise Multi-LLM Orchestration with Signed Audit and On-Premise Deployment](https://www.xcapit.com/en/case-studies/orchestai-enterprise-ai-platform): Multi-LLM routing, HMAC audit chains, on-premise deployment, 30s backup RTO

## How We Work

- [Our Process](https://www.xcapit.com/en/how-we-work): 6-phase methodology — Discovery, Design, Development, QA, Launch, Support
- [Engagement Models](https://www.xcapit.com/en/engagement-models): Dedicated Team, Fixed-Price, Time & Materials

## Labs

- [Xcapit Labs](https://www.xcapit.com/en/labs): Our own products — Bonum (corporate benefits), Xcapit Privacy (FHE for ML), Shelter (impact asset distribution), ArgenTor (multi-agent AI framework), AiSec (AI security analysis), XNinja (automated pentest & compliance), OrchestAI (enterprise multi-LLM orchestration)
- [Bonum](https://www.xcapit.com/en/labs/bonum): Closed-loop digital wallet SaaS for corporate benefits — QR payments, multi-tenant architecture, local economy ecosystems
- [Privacy](https://www.xcapit.com/en/labs/privacy): Machine learning on encrypted data using Fully Homomorphic Encryption (CKKS) — 15+ algorithms, 559+ tests, 256-bit security
- [Shelter](https://www.xcapit.com/en/labs/shelter): Blockchain-powered SaaS for distributing subsidies, humanitarian aid, and corporate incentives — validated through UNICEF's AidLink pilots in Cusco, Peru and Nairobi, Kenya
- [ArgenTor](https://www.xcapit.com/en/labs/argentor): Secure multi-agent AI framework built in Rust — WASM sandbox, MCP protocol, human-in-the-loop, 14 crates, 1514 tests
- [AiSec](https://www.xcapit.com/en/labs/aisec): AI agent security analysis framework — 35 specialized agents, 250+ detectors, 8 compliance frameworks, validated through OpenClaw audit (63 findings)
- [XNinja](https://www.xcapit.com/en/labs/xninja): Automated penetration testing & compliance SaaS — multi-agent AI scanning (Nmap, Nuclei, TestSSL), 5 compliance frameworks (ISO 27001, NIS2, BSI, DSGVO, TISAX), for enterprises and SMEs
- [OrchestAI](https://www.xcapit.com/en/labs/orchestai): Enterprise multi-LLM orchestration platform — multi-provider routing, HMAC-signed audit chains, on-premise deployment, shadow AI governance

## Blog

- [Alternative Collateral: How Blockchain Can Unlock Credit for the Unbanked](https://www.xcapit.com/en/blog/alternative-collateral-blockchain-credit-unbanked)
- [Humanitarian Aid Infrastructure for Low or No Connectivity Environments — Pilot in Cusco, Peru](https://www.xcapit.com/en/blog/sms-blockchain-wallet-pilot-cusco-peru)
- [Blockchain for Supply Chain: Real-World Applications Beyond the Hype](https://www.xcapit.com/en/blog/blockchain-supply-chain-real-world-applications)
- [Smart Contract Security: 10 Common Vulnerabilities and How to Prevent Them](https://www.xcapit.com/en/blog/smart-contract-security-common-vulnerabilities)
- [Custom Software vs Off-the-Shelf: The Complete Decision Guide for 2025](https://www.xcapit.com/en/blog/custom-software-vs-off-the-shelf-guide)
- [The Custom Software Development Process: A Step-by-Step Guide](https://www.xcapit.com/en/blog/custom-software-development-process-step-by-step)
- [Penetration Testing Checklist for Fintech Applications](https://www.xcapit.com/en/blog/penetration-testing-checklist-fintech)
- [Custom Software for Energy & Utilities: Digital Transformation Guide](https://www.xcapit.com/en/blog/custom-software-energy-utilities)
- [How We Got ISO 27001 Certified — And What It Means for Our Clients](https://www.xcapit.com/en/blog/xcapit-iso-27001-certification-journey)
- [Custom Software for Fintech: A Compliance-First Development Guide](https://www.xcapit.com/en/blog/custom-software-fintech-compliance-guide)
- [How to Choose a Custom Software Development Company in 2025](https://www.xcapit.com/en/blog/how-to-choose-custom-software-development-company)
- [AI in Enterprise Software: A Practical Guide for Decision Makers](https://www.xcapit.com/en/blog/ai-in-enterprise-software-practical-guide)
- [Blockchain Security Audit Checklist for DeFi Projects](https://www.xcapit.com/en/blog/blockchain-security-audit-checklist-defi)
- [How to Build an AI Agent for Enterprise: Architecture, Tools & Best Practices](https://www.xcapit.com/en/blog/how-to-build-ai-agent-enterprise)
- [MCP Servers Explained: The New Standard for AI Tool Integration](https://www.xcapit.com/en/blog/mcp-servers-explained-ai-tools-standard)
- [How Much Does Custom Software Development Cost in 2026?](https://www.xcapit.com/en/blog/custom-software-development-cost-2026)
- [Spec-Driven Development with AI Agents: A Practical Guide](https://www.xcapit.com/en/blog/spec-driven-development-ai-agents)
- [Argentina's Token Regulation: What It Means for Projects](https://www.xcapit.com/en/blog/argentina-token-regulation-2026)
- [Account Abstraction: ERC-4337 and the Future of Crypto UX](https://www.xcapit.com/en/blog/account-abstraction-erc-4337-guide)
- [New Ethereum Standards in 2026: Enterprise Guide](https://www.xcapit.com/en/blog/ethereum-new-standards-2026-enterprise)
- [ISO 42001: Why AI Governance Certification Matters](https://www.xcapit.com/en/blog/iso-42001-ai-governance-certification)
- [Why We Bet on AI + Blockchain as Our Core Strategy](https://www.xcapit.com/en/blog/why-ai-blockchain-core-software-factory)
- [Blockchain vs Database: An Honest Guide for Clients](https://www.xcapit.com/en/blog/blockchain-vs-database-honest-guide)
- [The Real State of Web3 Adoption in LATAM](https://www.xcapit.com/en/blog/web3-adoption-latam-2024)
- [Risk Management in Web3: What Whitepapers Won't Tell You](https://www.xcapit.com/en/blog/web3-project-risk-management)
- [Structuring Squads for AI, Blockchain & Dev Projects](https://www.xcapit.com/en/blog/structuring-squads-ai-blockchain-projects)
- [Product-Market Fit in Web3: What We Learned Launching dApps](https://www.xcapit.com/en/blog/product-market-fit-web3-lessons)
- [How We Scale the Tech Team Without Losing Quality](https://www.xcapit.com/en/blog/scaling-tech-team-without-losing-quality)
- [Waterfall to Continuous Delivery in Blockchain Projects](https://www.xcapit.com/en/blog/waterfall-to-continuous-delivery-blockchain)
- [Solidity vs Soroban vs Plutus: Choosing Your Stack](https://www.xcapit.com/en/blog/solidity-vs-soroban-vs-plutus-comparison)
- [Cardano and eUTXO: What Changes for Ethereum Devs](https://www.xcapit.com/en/blog/cardano-eutxo-developer-guide)
- [Cross-Chain Interoperability: Bridges, Standards, and Risks](https://www.xcapit.com/en/blog/cross-chain-interoperability-bridges-risks)
- [Solidity Security Patterns We Apply in Every Audit](https://www.xcapit.com/en/blog/solidity-security-patterns-audit-guide)
- [Building on Soroban: Developing in Rust for Stellar](https://www.xcapit.com/en/blog/soroban-stellar-rust-blockchain-guide)
- [Threat Modeling for Web3: Adapting OWASP to dApps](https://www.xcapit.com/en/blog/threat-modeling-web3-owasp-decentralized)
- [The Digital Transformation Roadmap We Give Clients](https://www.xcapit.com/en/blog/digital-transformation-roadmap-clients)
- [Real-World Asset Tokenization: Bridging Blockchain and Business](https://www.xcapit.com/en/blog/real-world-asset-tokenization-use-cases)
- [Open Letter to CTOs: What a Software Factory Can Solve](https://www.xcapit.com/en/blog/open-letter-ctos-software-factory)
- [How We Integrate AI Into Products Without It Being a Gimmick](https://www.xcapit.com/en/blog/integrating-ai-product-not-gimmick)
- [From MVP to AI Product: Metrics That Actually Matter](https://www.xcapit.com/en/blog/mvp-to-ai-product-metrics-that-matter)
- [Designing UX for AI Agents: Nobody Wants to See the Prompt](https://www.xcapit.com/en/blog/designing-ux-ai-agents)
- [The Real Cost of Running AI Agents in Production](https://www.xcapit.com/en/blog/real-cost-ai-agents-production)
- [RAG vs Fine-Tuning: When to Use Each in Real Projects](https://www.xcapit.com/en/blog/rag-vs-fine-tuning-real-projects)
- [AI Agents in Enterprises: Between the Hype and the Real ROI](https://www.xcapit.com/en/blog/ai-agents-enterprise-hype-vs-roi)
- [Offensive AI vs Defensive AI: The Cybersecurity Battleground](https://www.xcapit.com/en/blog/offensive-vs-defensive-ai-cybersecurity)
- [Our Vision 2025-2026: Where the Industry Is Heading](https://www.xcapit.com/en/blog/xcapit-vision-2025-2026-industry-trends)
- [The AI Stack We Use in Production: Models & Pipelines](https://www.xcapit.com/en/blog/ai-stack-production-models-frameworks)
- [Multi-Model AI Agents: Combining Claude, GPT & Open-Source](https://www.xcapit.com/en/blog/multi-model-ai-agents-workflow)
- [Designing Autonomous Agents with LLMs: Lessons Learned](https://www.xcapit.com/en/blog/designing-autonomous-agents-llms-lessons)
- [Zero Trust Architecture: A Practical Implementation Guide](https://www.xcapit.com/en/blog/zero-trust-architecture-implementation-guide)
- [LLM Security: Defending Against Prompt Injection Attacks](https://www.xcapit.com/en/blog/llm-security-prompt-injection-defenses)
- [Building DevSecOps Pipelines for Blockchain Projects](https://www.xcapit.com/en/blog/devsecops-pipeline-blockchain-projects)
- [Why Latin America Is the Smart Choice for Software Nearshoring](https://www.xcapit.com/en/blog/nearshoring-latam-software-development-advantages)
- [Building Lasting Tech Partnerships: An Enterprise Guide](https://www.xcapit.com/en/blog/building-tech-partnerships-enterprise-guide)
- [AI Regulation Global Landscape: What It Means for Your Business](https://www.xcapit.com/en/blog/ai-regulation-global-landscape-business-impact)
- [Blockchain for Social Impact: Lessons from Building with UNICEF](https://www.xcapit.com/en/blog/blockchain-social-impact-unicef-lessons)
- [Managing Distributed Software Teams Across Time Zones and Cultures](https://www.xcapit.com/en/blog/managing-distributed-teams-software-projects)
- [Sustainability Metrics for Tech Companies: A Practical ESG Reporting Guide](https://www.xcapit.com/en/blog/sustainability-metrics-tech-companies-esg)
- [Agile Estimation Techniques That Actually Work for Software Projects](https://www.xcapit.com/en/blog/agile-estimation-techniques-software-projects)
- [API-First Design for Microservices: Best Practices and Patterns](https://www.xcapit.com/en/blog/api-first-design-microservices-best-practices)
- [UNICEF AidLink: How Blockchain Transforms Humanitarian Cash Transfers](https://www.xcapit.com/en/blog/unicef-aidlink-blockchain-humanitarian-cash-transfers)
- [Technical Debt Management: Strategies for Growing Startups](https://www.xcapit.com/en/blog/technical-debt-management-strategies-startups)
- [From Cusco to Kenya: How the Hardest Environments Built the Best Infrastructure](https://www.xcapit.com/en/blog/shelter-from-cusco-to-kenya-building-universal-value-distribution)
- [How to Choose the Right Software Development Partner in Argentina: A Decision-Maker's Guide](https://www.xcapit.com/en/blog/choosing-software-development-partner-argentina)
- [Top 10 Blockchain Development Companies in Argentina 2026](https://www.xcapit.com/en/blog/top-blockchain-companies-argentina-2026)
- [Top 10 AI Development Companies in Argentina 2026](https://www.xcapit.com/en/blog/top-ai-companies-argentina-2026)
- [The New Contract Between Companies and Technology Providers](https://www.xcapit.com/en/blog/nuevo-contrato-empresa-proveedor-tech)
- [From Pilot to Impact: Technology Best Practices](https://www.xcapit.com/en/blog/piloto-impacto-buenas-practicas-tecnologicas)
- [The Scalability Challenge: How to Move Beyond the Pilot](https://www.xcapit.com/en/blog/scalability-challenge-como-salir-del-piloto)
- [From Security to Speed: New Priorities with Technology Providers](https://www.xcapit.com/en/blog/seguridad-velocidad-prioridades-proveedores)
- [Upskilling and Collaboration: The Hidden Keys to Accelerating Emerging Technology Adoption](https://www.xcapit.com/en/blog/upskilling-colaboracion-adopcion-tecnologias-emergentes)
- [Exhausted Models? Why Traditional Providers Cannot Keep Up with New Demands](https://www.xcapit.com/en/blog/modelos-agotados-proveedores-tradicionales-demandas)
- [The Legacy Technology Trap: Between the Urgency to Innovate and the Need to Modernize](https://www.xcapit.com/en/blog/trampa-legacy-tecnologico-modernizar-innovar)
- [Xcapit Labs: Where Innovation Becomes Real Impact](https://www.xcapit.com/en/blog/xcapit-labs-innovacion-impacto-real)
- [The New Role of the Provider: From Technical Executor to Strategic Partner in Emerging Technologies](https://www.xcapit.com/en/blog/nuevo-rol-proveedor-socio-estrategico-tecnologias-emergentes)
- [The Five Steps That Will Define the Future of Technology Providers](https://www.xcapit.com/en/blog/los-cinco-pasos-que-definiran-el-futuro-proveedores-tecnologicos)
- [Xcapit Labs & Naranja X: Credit with Smart Contracts](https://www.xcapit.com/en/blog/xcapit-labs-naranja-x-credito-smart-contracts)
- [How Xcapit Labs and Naranja X Validated a Secure, Non-Custodial Guaranteed Credit Model](https://www.xcapit.com/en/blog/arquitectura-credito-garantizado-sin-custodia-xcapit-naranja-x)
- [Bonum: The Platform That Turns Mutuals and Cooperatives into High-Impact Digital Ecosystems](https://www.xcapit.com/en/blog/bonum-plataforma-digital-mutuales-cooperativas)
- [Bonum: The Platform That Helps Companies Offer More Benefits Without Increasing Labor Costs](https://www.xcapit.com/en/blog/bonum-beneficios-empleados-sin-costos-laborales)
- [Software Factory vs In-House Development: A Decision Framework for 2026](https://www.xcapit.com/en/blog/software-factory-vs-in-house-development-guide)
- [OpenClaw Security Anatomy: What AiSec's 35 Agents Found in the World's Most Popular AI Agent](https://www.xcapit.com/en/blog/openclaw-security-anatomy-most-popular-ai-agent)
- [Outsourcing Software Development to Argentina: A 2026 Guide for US & European Companies](https://www.xcapit.com/en/blog/outsourcing-software-development-argentina-guide)
- [From OpenClaw to Agentor: Building Secure AI Agents in Rust](https://www.xcapit.com/en/blog/from-openclaw-to-agentor-building-secure-ai-agents-in-rust)
- [How Blockchain and IoT Converge to Power Smart Grids](https://www.xcapit.com/en/blog/smart-grid-blockchain-iot)
- [Digital Identity Systems for E-Government: The Blockchain Approach](https://www.xcapit.com/en/blog/digital-identity-egovernment)
- [AI in Healthcare: From Diagnostic Imaging to Drug Discovery](https://www.xcapit.com/en/blog/ai-healthcare-diagnosis-discovery)
- [Cybersecurity for Healthcare: Protecting Patient Data in the Age of Connected Medicine](https://www.xcapit.com/en/blog/cybersecurity-healthcare-patient-data)
- [Build vs Buy Enterprise Software: A Strategic Framework for 2026](https://www.xcapit.com/en/blog/build-vs-buy-enterprise-software)
- [AI for Energy Management in Utilities: From Predictive Maintenance to Grid Optimization](https://www.xcapit.com/en/blog/ai-energy-management-utilities)
- [Blockchain for Public Sector Transparency: From Procurement to Citizen Trust](https://www.xcapit.com/en/blog/blockchain-public-sector-transparency)
- [Technology Solutions for ESG Reporting: Automation, Blockchain Audit Trails, and AI Analytics](https://www.xcapit.com/en/blog/esg-reporting-technology-solutions)
- [MWC 2026: The Agentic Era Is No Longer a Promise — It's Strategy](https://www.xcapit.com/en/blog/mwc-2026-agentic-era-lessons)
- [AidLink Kenya Pilot: 100% of Stablecoin Transfers Reached Beneficiaries](https://www.xcapit.com/en/blog/aidlink-kenya-pilot-results)
- [Agent-to-Agent Protocols: How MCP and A2A Are Redefining Multi-Agent Interoperability](https://www.xcapit.com/en/blog/agent-to-agent-protocols-mcp-a2a-2026)
- [Verifiable AI Agents: Why Enterprise Trust Requires Blockchain-Grade Audit Trails](https://www.xcapit.com/en/blog/verifiable-ai-agents-governance-enterprise-trust)
- [Asset Tokenization in Argentina 2026: Regulatory Framework, Technical Architecture, and the Fideicomiso](https://www.xcapit.com/en/blog/tokenizacion-activos-argentina-2026-fideicomiso-blockchain)
- [Shadow AI Is Already in Your Company: How Enterprise IT Can Take Back Control Without Saying No](https://www.xcapit.com/en/blog/shadow-ai-enterprise-governance-multi-llm-control)
- [Why Vulnerability Scanners Don't Replace a Pentest — and How AI Changes the Equation](https://www.xcapit.com/en/blog/vulnerability-scanners-vs-pentest-ai-business-logic-testing)

## Company

- [About](https://www.xcapit.com/en#nosotros): Mission, competencies, team
- [Contact](https://www.xcapit.com/en#contacto): Get a quote or consultation
- [ISO 27001 Certification](https://www.xcapit.com/en/certifications/iso-27001)

## Legal

- [Privacy Policy](https://www.xcapit.com/en/privacidad)
- [Terms & Conditions](https://www.xcapit.com/en/terminos)
- [AI Policy](https://www.xcapit.com/en/politicas-ia)
- [Information Security Policy](https://www.xcapit.com/en/isp)

## Full Content

- [llms-full.txt](https://www.xcapit.com/llms-full.txt): Complete site content for comprehensive understanding