# Xcapit

> We build software that transforms industries

Xcapit is a software development company specializing in artificial intelligence, blockchain, and cybersecurity. It builds custom platforms, smart contracts, and security services for fintechs, governments, and international organizations.

Xcapit is a software development company that designs and builds custom technology across artificial intelligence, blockchain, and cybersecurity. It develops AI agent systems, machine learning pipelines, smart contracts, digital wallets, tokenization platforms, and security services such as penetration testing and compliance advisory. Its clients include fintech companies, energy and government agencies, and international development organizations seeking production-grade software.

The company positions itself as a technology partner that starts from a client's business goals and moves from idea to proof of concept within a short cycle. It operates an in-house unit, Xcapit Labs, that builds its own software-as-a-service products using the same AI, blockchain, and security expertise applied in client work, with development aligned to recognized information security and AI governance standards.

Its product line includes a platform for multi-provider AI orchestration, a multi-agent tool for automated penetration testing and compliance mapping, a closed-loop digital wallet for corporate benefits, and a disbursement platform for humanitarian and subsidy payments used with international organizations. Earlier work included consumer-facing crypto wallets and financial inclusion tools that now inform its broader practice. Xcapit serves enterprises, startups, and public and multilateral institutions across Latin America, North America, Europe, and Africa.

- Type: Company
- Sector: Service Provider
- Status: Active
- Founded: 2018-08-01
- Profile: https://thegrid.id/profiles/xcapit

## Products

- [Xcapit Wallet](https://thegrid.id/profiles/xcapit): Xcapit Wallet is an open-source, self-custodial mobile wallet that supports multiple blockchain networks for cryptocurrency management, decentralized finance access, and gamified financial education. Users store private keys directly on their devices and interact with supported networks and assets through the application. The wallet no longer appears among the company's actively promoted offerings, suggesting reduced ongoing development in favor of newer products. (Wallet, Inactive/Support Ended, Main Product)
- [Low-Tech Wallet](https://thegrid.id/profiles/xcapit): Low-Tech Wallet provides SMS-based blockchain wallet functionality for humanitarian aid distribution to underserved populations. The system enables cryptocurrency transactions through basic phones without requiring internet connectivity, supporting offline operations in low-connectivity environments. Its SMS-based onboarding approach has since been incorporated into the company's newer disbursement platform, and the product is no longer separately promoted on the current website. (Wallet, Inactive/Support Ended)
- [Xcapit Software Development Services](https://thegrid.id/profiles/xcapit): Xcapit Software Development Services is a professional software development and consulting service that builds custom technology for enterprises, startups, and international organizations. It covers artificial intelligence and machine learning development, autonomous AI agent systems, and blockchain and Web3 development including smart contracts and tokenization. The service also includes cybersecurity work such as penetration testing and audits, alongside custom enterprise software development. Clients engage through a discovery and proposal process, after which a dedicated team builds tailored platforms, integrations, and compliance-aligned systems. (Service Provider, Live, Main Product)
- [Shelter](https://thegrid.id/profiles/xcapit): Shelter is a blockchain-based disbursement platform that distributes subsidies, humanitarian aid, and corporate benefits to beneficiaries. It encodes eligibility rules, distribution schedules, and payment thresholds in smart contracts across multiple EVM-compatible chains, settling transfers in under two minutes with full onchain traceability. Beneficiaries receive funds through SMS-based wallets and mobile money integrations, enabling access in low-connectivity environments without smartphones or bank accounts. (Payment network, Live)
- [OrchestAI](https://thegrid.id/profiles/xcapit): OrchestAI is an enterprise platform for routing requests across multiple large language models with built-in governance controls. It applies cost-optimized routing strategies and records every agent action in a tamper-evident, signed audit chain for compliance verification. The platform deploys entirely on-premise, keeping data within the client's own infrastructure while managing versioned agent catalogs. (AI Gateway, Live)
- [XNinja](https://thegrid.id/profiles/xcapit): XNinja is a multi-agent SaaS platform that automates penetration testing for enterprises and small and medium businesses. AI agents orchestrate a suite of security tools to discover network, web, and API vulnerabilities, then map findings automatically to multiple compliance frameworks and the OWASP Top 10. The platform provides multi-tenant access with role-based controls and generates audit-ready reports. (AI Agent Platform, Live)
- [Bonum](https://thegrid.id/profiles/xcapit): Bonum is a closed-loop digital wallet platform that lets companies distribute non-remunerative benefits to employees. Employees spend the allocated funds via QR code payments at affiliated local businesses, creating a traceable spending cycle within a defined merchant network. A multi-tenant administration panel gives companies analytics and oversight of benefit distribution and usage. (Wallet, Live)
- [Xcapit Privacy](https://thegrid.id/profiles/xcapit): Xcapit Privacy is a platform that enables organizations to train machine learning models collaboratively on data that remains encrypted throughout processing. It uses fully homomorphic encryption to run computations on encrypted inputs, so no party, including the platform itself, can access underlying sensitive data. Governance controls for training runs are recorded onchain. (Privacy Tools, Live)
- [ArgenTor](https://thegrid.id/profiles/xcapit): ArgenTor is a multi-agent artificial intelligence framework for automating software development tasks such as code review, testing, and code analysis. It applies reasoning-based agents that generate diffs, run automated test-driven development cycles, and route tasks across multiple language model providers by cost. The framework executes plugins in a sandboxed environment and includes human-in-the-loop approval workflows for autonomous development teams. (AI Agent Framework, Live)
- [AiSec](https://thegrid.id/profiles/xcapit): AiSec is a security analysis framework that deploys specialized artificial intelligence agents to scan, detect, and remediate vulnerabilities across AI systems. It executes scans in sandboxed environments, scores findings for severity, and applies policy-as-code rules to govern remediation. Results integrate into existing security workflows through standard reporting formats. (Blockchain Development Security Tools, Live)

## Links

- [Main](https://www.xcapit.com)
- [Privacy policy](https://www.xcapit.com/en/privacidad)
- [Terms of Service](https://www.xcapit.com/en/terminos)
- [Blog](https://www.xcapit.com/en/blog)
- [Documentation](https://xcapit-foss.gitlab.io/documentation)
- [LinkedIn](https://linkedin.com/company/xcapit)
- [Twitter / X](https://x.com/xcapit_)
- [Instagram](https://instagram.com/xcapit_)
- [GitLab](https://gitlab.com/xcapit-foss)
- [GitHub](https://github.com/xcapit)

## Legal

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The following applies to both licensing models.
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- [Data Licensing & Disclaimers](https://about.thegrid.id/legal/data-licensing-and-disclaimers): Licensing models and disclaimers
- [Open Data (ODbL)](https://about.thegrid.id/legal/open-data): Open Database License terms and scope for The Grid's open data service.
- [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service.
- [Web Services Terms](https://about.thegrid.id/legal/web-services-terms): commercial Terms for using data services.
- [All Legal Documents](https://about.thegrid.id/legal): Full index of terms, policies, and disclosures

## Optional

- [TGS Field Descriptions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-field-descriptions.md): Schema field definitions for The Grid's data model
- [TGS JSON Structure](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-json-structure.md): Data model structure and relationships
- [Product Type Definitions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-definitions.md): Definitions for each product type
- [Product Type Classification](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-classification.md): Guide for classifying products into types
- [Grid MCP Guide](https://github.com/The-Grid-Data/workspace-public/blob/main/grid-search/skills/grid-query/references/grid-mcp-guide.md): How to query The Grid programmatically via MCP