what's Kustodia?

Kustodia is a programmable escrow and payments platform based in Mexico that automates trust in high-value P2P transactions, such as used car sales, by layering smart conditions on traditional bank transfers via SPEI rails. Users can create no-code payment agreements where funds are held in custody until predefined conditions—like vehicle verification or delivery confirmation—are met, reducing fraud risks reported up to 70% in marketplaces like Facebook and MercadoLibre. Their flagship product, Karvia, specializes in smart car management, enabling secure registration, verification, and tokenization of vehicle information on blockchain for immutable proof of ownership and history. Leveraging AI agents and blockchain infrastructure, Kustodia bridges fiat banking with onchain programmability, supporting agentic workflows for real-world assets (RWAs). It has integrated with ecosystems like Arbitrum for NFTs and participates in accelerators such as Cointelegraph on Injective, positioning it as a hybrid solution for LatAm's consumer DeFi and payments space.

Kustodia won Arbitrum Founder House in the smart car management category.