Fintech & Financial Services
AI credit scoring and RWA — governed before regulators arrive
We work with neobanks, lenders and RWA platforms in LATAM to move credit scoring from rules to ML under ISO 42001, register as VASPs with CNV/CVM and ship institutional-grade tokenization. Case: Naranja X — +30% credit approval with non-traditional data.
Why now
AI scoring and RWA are crossing the regulatory line at the same time
Three converging signals from regulators and analysts in 2024–2025 are redefining what a fintech needs in production to compete — and to survive an audit.
ISO 42001 became the de facto AI governance baseline in late 2023
Published December 2023, ISO/IEC 42001 is the first auditable management-system standard for AI. EU AI Act compliance pressure plus enterprise procurement scoring sheets now treat ISO 42001 alignment as table-stakes for any production ML — credit scoring included. Lenders without it are starting to be screened out.
ISO/IEC 42001:2023, published December 18 2023
Argentina's CNV registered the first VASPs in March 2024 and is enforcing
Resolución General 994/2024 of the Comisión Nacional de Valores opened the VASP registry on March 25 2024. By 2025, unregistered crypto-related operations face active enforcement actions. RWA platforms, custodians and crypto-lending fintechs that delay registration risk being shut out of the regulated rails their institutional counterparties require.
CNV · Resolución General 994/2024, in force March 25 2024
Tokenized RWA AUM crossed $10B in Q3 2024 and is accelerating
RWA tokenization grew from $2B AUM at the start of 2023 to $10B+ in Q3 2024 according to RWA.xyz tracking — a 5x in 18 months driven by institutional treasury allocation to tokenized T-bills, private credit and real estate. The platforms capturing this flow share three traits: smart contracts audited, KYC/AML wired in, registered with a regulator.
RWA.xyz Q3 2024 dashboard · BCG / 21Shares Global Crypto Report 2024
Why Xcapit
Production ML scoring + tokenized capital are already in our stack
We are not asking you to trust slideware. The pieces — production ML credit scoring, smart-contract custody, regulator-engaged tokenization, ISO 27001 / 42001 governance — are already running for our clients. Three anchors below.
Naranja X — +30% credit approval with non-traditional data
We co-built the ML pipeline that lifted credit approval rate by 30 percentage points on a previously-rejected cohort, using non-traditional data signals (mobile usage, geolocation patterns, payment behavior). The model is in production today against millions of decisions and stayed within the bank's risk-appetite tolerance.
UNICEF Wallet — 4M+ users, on-chain treasury
The UNICEF Innovation Fund cryptocurrency wallet runs on our stack: non-custodial, multi-chain, 4M+ provisioned users, on-chain treasury operations audited by the UNICEF Office of Audit. The same architecture transfers cleanly to neobank treasury, stablecoin custody and tokenized RWA distribution.
ISO 27001 certified · 27019 + 42001 aligned
The three-standard stack that institutional procurement and regulators already verify: ISO 27001 (information security, certified) + ISO 27019 (energy / OT-extended, aligned) + ISO 42001 (AI management system, aligned). Lets a regulated counterparty validate our posture in days, not months.
Our Solutions
What We Build for Fintech
Digital Wallets & Payment Systems
Crypto and fiat wallets, payment gateways, peer-to-peer transfers, and multi-currency platforms with bank-grade security.
Blockchain & DeFi Products
Smart contracts, tokenization platforms, decentralized exchanges, and blockchain-based financial instruments audited for security.
Compliance & Identity Solutions
KYC/AML automation, identity verification, regulatory reporting, and audit trail systems that keep you compliant across jurisdictions.
Data & Risk Analytics
Real-time transaction monitoring, fraud detection with AI, credit scoring models, and business intelligence dashboards.
Success Stories
Fintech Projects We've Delivered
Frequently Asked Questions
Do you have experience with financial regulations?
Can you integrate with existing banking systems?
How do you ensure the security of financial applications?
What blockchain networks do you work with?
Do you offer ongoing maintenance and support?
Ready to Build Your Fintech Product?
From digital wallets to DeFi platforms — let's discuss how we can help you build secure, scalable financial software.