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Xcapit Impact
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Close-up of a smiling market seller in Cusco holding up her phone with the wallet

Xcapit Impact

Five solutions that combine artificial intelligence, blockchain and low-tech channels. They deliver aid without intermediaries and anticipate emergencies. They open credit to producers and protect children online. And they certify where products come from and the impact they generate.

Discover ShelterSee the solutions

Photos: UNICEF Venture Fund · Xcapit

Flagship solution · 05

We get value to anyone, and you see it in real time.

Money, aid or resources to whoever needs them — no bank account, no smartphone, no internet — with real-time reporting and visibility of every delivery.

Field training session in Nairobi in front of an AidLink pilot banner

Direct aid, person to person, from a basic phone

Field training session, AidLink pilot, Nairobi · Video and photo: UNICEF Venture Fund

What Shelter solves

  • Reaches anyone

    • No bank account, no smartphone, no internet: an SMS wallet on any basic phone
    • In stablecoins, with on-chain settlement in under 2 minutes
    • Spent at local shops or exchanged to local currency and mobile money, such as M-Pesa

  • Real-time visibility

    • Every delivery is recorded instantly: how much, where, when and the status of each disbursement
    • Audit-ready reports for donors, regulators and auditors, plus a public dashboard
    • No personal data on-chain: names and phone numbers are never stored on the blockchain
Beneficiaries reached
1,185+
Distributed in aid
USD 15,000+
Deliveries completed
100%
Cost per on-chain transaction
~0.01 USD

Across Shelter field pilots, 2024–2026. Includes the Nairobi 2026 pilot, whose results are not yet published.

See Shelter in detail All pilots

Track record

What we've done

A wallet with UNICEF that reached more than 4M people. Digital public goods like Primero DAO and QuarkID. Renewable energy tokenized with EPEC.

Selected by the UNICEF Innovation Fund
2020
people reached by the Xcapit wallet with UNICEF
4M+
certified information security
ISO 27001

See what we've done

An Xcapit team member helps beneficiaries using a laptop and phones in a UNICEF-backed program
Working with beneficiaries in a UNICEF-backed program · Photo: UNICEF Venture Fund

More solutions

  • 01

    Anticipatory emergency preparedness

    Aid arrives before or immediately after a disaster

    • Households get aid before the impact, or as soon as it hits
    • Fewer lost assets and livelihoods
    • Traceable, auditable decisions, with Shelter delivering the aid

    Powered by Shelter

  • 02

    Real-asset collateral

    Livestock as collateral to access credit

    • Producers with livestock but no accepted guarantee get access to credit
    • Banks and fintechs gain verifiable collateral with compliance rules built in
    • The token is released when the loan is repaid

    Previous experience with Naranja X81% activation0% default

  • 03Research prototype

    Verifiable Policy Registry

    So anyone can check what is blocked on school internet

    • Protects children without hidden censorship
    • Anyone can check what is blocked, who decided it and until when
    • No data that identifies a child is ever published

    Research prototype (v0.6.0): contracts not audited, no public deployment.

  • 04

    Provenance and impact certification

    We prove where a product comes from and the impact it creates

    • Export to Europe with verifiable deforestation-free proof from the plot
    • Certify positive impact, such as renewable energy traced per kWh
    • One digital certificate that buyers and regulators can verify

    Already running: traceable renewable energy (828 kWp)EUDR from 30 Dec 2026

Plaza de Armas in Cusco, Peru, under a blue sky

Each solution can start with a focused pilot in one country and grow on the same infrastructure.

Book a discovery call (opens in a new tab)

Or write to hola@xcapit.com

See how we work

Plaza de Armas, Cusco, where the first SMS wallet purchases took place · Photo: Xcapit