Open Conversations: When Crypto Meets Institutions (Fernando Boiero)

Mon, Mar 2, 2026, 12:00 AM

What happens when you design crypto infrastructure for people who have no smartphone, no internet, and no phone credit? You get creative—or you fail. Fernando Boiero, CTO and co-founder of Xcapit, has spent years navigating the tension between crypto's ideals and institutional reality. In this conversation, he shares what it takes to build public infrastructure through partnerships with the UNICEF Innovation Fund—from DAO treasury design to a humanitarian cash transfer protocol that works offline. Filmed at the Funding the Commons Builder Residency, Buenos Aires, November 2025. Relevant Projects Xcapit: https://xcapit.com UNICEF Innovation Fund: https://www.unicef.org/innovation/fundstartups Funding the Commons: https://www.fundingthecommons.io Thank You to Our Sponsors Protocol Labs: https://www.protocol.ai human.tech by Holonym Foundation: https://human.tech/ Stellar Development Foundation: https://stellar.org Drips: https://drips.network Octant: https://octant.app NEAR Foundation: https://near.foundation Logos: https://logos.co