Kita

Kita is an AI-native loan origination and underwriting company (Y Combinator W26, San Francisco) building document intelligence and credit decisioning for lenders in emerging and undertapped markets. Kita ships two developer-facing APIs. Kita Capture is a document-intelligence API that turns scanned or photographed bank statements, payslips, government IDs, credit reports, tax filings and 30+ other document types into structured, validated, fraud-checked JSON, with cross-document verification, batch processing, custom extraction schemas and HMAC-signed webhooks. Kita Underwriter is a credit-file API that creates loan applications, ingests borrower documents, computes a deterministic credit picture (adjusted EBITDA, DSCR, margins, debt-to-worth, sensitivity and a policy-engine decision produced by a versioned calculation engine rather than an LLM) and synthesizes a cited credit memo. The platform is region-pinned across Singapore and Mexico deployments and is used by microfinance institutions, SME lenders, CDFIs and community banks across Southeast Asia, Latin America and the United States.

Kita publishes 14 APIs on the APIs.io network, including Applications API, Batch API, Conversation API, and 11 more. Tagged areas include Company, Fintech, Lending, Underwriting, and Credit Scoring.

The Kita catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Kita’s developer surface includes documentation, API reference, getting-started guide, engineering blog, support, signup flow, pricing, and 32 more developer resources.

🌐 Visit website 📡 Source on GitHub

67.1/100 strong ▬ flat Agent 97/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5

AccessFreemiumSelf serve⚡ Free to try

14 APIs 1 MCP Servers

CompanyFintechLendingUnderwritingCredit ScoringDocument IntelligenceDocument ExtractionFraud DetectionArtificial IntelligenceComputer VisionEmerging MarketsLoan Origination

Kin Score

Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5

Composite quality — 67.1/100 · strong

Contract Quality 17.6 / 25

Developer Ergonomics 16.1 / 20

Commercial Clarity 18.4 / 20

Operational Transparency 3.1 / 13

Governance 0.0 / 12

Discoverability 10.0 / 10

Agent readiness — 97/100 · agent native

Machine-Readable Contract 18 / 18

Agentic Access Contract 15 / 15

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 6 / 6

Agent Skills 5 / 5

Well-Known Catalog 4 / 4

Consent & Bot Identity 0 / 3

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/kita: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 14

Individual APIs this provider publishes, each with its own machine-readable definition.

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Rate Limits 1

Documented rate limits and quota policies.

Get Started 6

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

SignUp

SignUp

Login

Sandbox

Sandbox

Console

Console

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

MCPServer

AgentSkill

LLMsTxt

WellKnown

AgenticAccess

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Conventions

Idempotency

ErrorCatalog

Lifecycle

Conformance

DataModel

Webhooks

Scroll for all 7

Build 5

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

SourceCode

Packages

SDKs

Examples

Access & Security 6

Authentication, authorization, and security posture

Security

Compliance

Authentication

DomainSecurity

VulnerabilityDisclosure

VulnerabilityDisclosure

TrustCenter

TrustCenter

Operate 2

Status, limits, changes, and where to get help

Support

Support

RateLimits

RateLimits

Commercial 4

Pricing, plans, and the legal terms of use

Pricing

TermsOfService

PrivacyPolicy

Plans

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: kita
name: Kita
description: Kita is an AI-native loan origination and underwriting company (Y Combinator W26, San Francisco) building document
  intelligence and credit decisioning for lenders in emerging and undertapped markets. Kita ships two developer-facing APIs.
  Kita Capture is a document-intelligence API that turns scanned or photographed bank statements, payslips, government IDs,
  credit reports, tax filings and 30+ other document types into structured, validated, fraud-checked JSON, with cross-document
  verification, batch processing, custom extraction schemas and HMAC-signed webhooks. Kita Underwriter is a credit-file API
  that creates loan applications, ingests borrower documents, computes a deterministic credit picture (adjusted EBITDA, DSCR,
  margins, debt-to-worth, sensitivity and a policy-engine decision produced by a versioned calculation engine rather than
  an LLM) and synthesizes a cited credit memo. The platform is region-pinned across Singapore and Mexico deployments and is
  used by microfinance institutions, SME lenders, CDFIs and community banks across Southeast Asia, Latin America and the United
  States.
accessModel:
  pricing: freemium
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  label: Freemium · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://www.kita.ai/kita_logo_green.png
url: https://raw.githubusercontent.com/api-evangelist/kita/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- y-combinator
x-tier: profile
x-tier-reason: enriched-from-published-docs
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-19'
tags:
- Company
- Fintech
- Lending
- Underwriting
- Credit Scoring
- Document Intelligence
- Document Extraction
- Fraud Detection
- Artificial Intelligence
- Computer Vision
- Emerging Markets
- Loan Origination
apis:
- aid: kita:kita-applications-api
  name: Kita Applications API
  description: Loan application records.
  humanURL: https://www.kita.ai/capture
  baseURL: https://portal.usekita.com
  tags:
  - Applications
  properties:
  - type: OpenAPI
    url: openapi/kita-applications-api-openapi.yml
  - type: Documentation
    url: https://www.kita.ai/documentation
  - type: Webhooks
    url: asyncapi/kita-capture-webhooks.yml
  - type: APIReference
    url: https://github.com/Kita-Technologies/kita-api-examples/blob/main/API.md
- aid: kita:kita-batch-api
  name: Kita Batch API
  description: Process up to 100 documents from URLs in one request.
  humanURL: https://www.kita.ai/capture
  baseURL: https://portal.usekita.com
  tags:
  - Batch
  properties:
  - type: OpenAPI
    url: openapi/kita-batch-api-openapi.yml
  - type: Documentation
    url: https://www.kita.ai/documentation
  - type: Webhooks
    url: asyncapi/kita-capture-webhooks.yml
  - type: APIReference
    url: https://github.com/Kita-Technologies/kita-api-examples/blob/main/API.md
- aid: kita:kita-conversation-api
  name: Kita Conversation API
  description: Borrower message thread.
  humanURL: https://www.kita.ai/capture
  baseURL: https://portal.usekita.com
  tags:
  - Conversation
  properties:
  - type: OpenAPI
    url: openapi/kita-conversation-api-openapi.yml
  - type: Documentation
    url: https://www.kita.ai/documentation
  - type: Webhooks
    url: asyncapi/kita-capture-webhooks.yml
  - type: APIReference
    url: https://github.com/Kita-Technologies/kita-api-examples/blob/main/API.md
- aid: kita:kita-credit-api
  name: Kita Credit API
  description: Deterministic credit picture — spread, adjustments, policy decision.
  humanURL: https://www.kita.ai/capture
  baseURL: https://portal.usekita.com
  tags:
  - Credit
  properties:
  - type: OpenAPI
    url: openapi/kita-credit-api-openapi.yml
  - type: Documentation
    url: https://www.kita.ai/documentation
  - type: Webhooks
    url: asyncapi/kita-capture-webhooks.yml
  - type: APIReference
    url: https://github.com/Kita-Technologies/kita-api-examples/blob/main/API.md
- aid: kita:kita-documents-api
  name: Kita Documents API
  description: Borrower document upload and extraction.
  humanURL: https://www.kita.ai/capture
  baseURL: https://portal.usekita.com
  tags:
  - Documents
  properties:
  - type: OpenAPI
    url: openapi/kita-documents-api-openapi.yml
  - type: Documentation
    url: https://www.kita.ai/documentation
  - type: Webhooks
    url: asyncapi/kita-capture-webhooks.yml
  - type: APIReference
    url: https://github.com/Kita-Technologies/kita-api-examples/blob/main/API.md
- aid: kita:kita-exports-api
  name: Kita Exports API
  description: PDF and XLSX exports.
  humanURL: https://www.kita.ai/capture
  baseURL: https://portal.usekita.com
  tags:
  - Exports
  properties:
  - type: OpenAPI
    url: openapi/kita-exports-api-openapi.yml
  - type: Documentation
    url: https://www.kita.ai/documentation
  - type: Webhooks
    url: asyncapi/kita-capture-webhooks.yml
  - type: APIReference
    url: https://github.com/Kita-Technologies/kita-api-examples/blob/main/API.md
- aid: kita:kita-folders-api
  name: Kita Folders API
  description: Group documents into containers.
  humanURL: https://www.kita.ai/capture
  baseURL: https://portal.usekita.com
  tags:
  - Folders
  properties:
  - type: OpenAPI
    url: openapi/kita-folders-api-openapi.yml
  - type: Documentation
    url: https://www.kita.ai/documentation
  - type: Webhooks
    url: asyncapi/kita-capture-webhooks.yml
  - type: APIReference
    url: https://github.com/Kita-Technologies/kita-api-examples/blob/main/API.md
- aid: kita:kita-memo-api
  name: Kita Memo API
  description: Cited credit memo synthesis and retrieval.
  humanURL: https://www.kita.ai/capture
  baseURL: https://portal.usekita.com
  tags:
  - Memo
  properties:
  - type: OpenAPI
    url: openapi/kita-memo-api-openapi.yml
  - type: Documentation
    url: https://www.kita.ai/documentation
  - type: Webhooks
    url: asyncapi/kita-capture-webhooks.yml
  - type: APIReference
    url: https://github.com/Kita-Technologies/kita-api-examples/blob/main/API.md
- aid: kita:kita-processing-api
  name: Kita Processing API
  description: Submit documents for extraction.
  humanURL: https://www.kita.ai/capture
  baseURL: https://portal.usekita.com
  tags:
  - Processing
  properties:
  - type: OpenAPI
    url: openapi/kita-processing-api-openapi.yml
  - type: Documentation
    url: https://www.kita.ai/documentation
  - type: Webhooks
    url: asyncapi/kita-capture-webhooks.yml
  - type: APIReference
    url: https://github.com/Kita-Technologies/kita-api-examples/blob/main/API.md
- aid: kita:kita-results-api
  name: Kita Results API
  description: Retrieve extraction results, summaries and exports.
  humanURL: https://www.kita.ai/capture
  baseURL: https://portal.usekita.com
  tags:
  - Results
  properties:
  - type: OpenAPI
    url: openapi/kita-results-api-openapi.yml
  - type: Documentation
    url: https://www.kita.ai/documentation
  - type: Webhooks
    url: asyncapi/kita-capture-webhooks.yml
  - type: APIReference
    url: https://github.com/Kita-Technologies/kita-api-examples/blob/main/API.md
- aid: kita:kita-schemas-api
  name: Kita Schemas API
  description: Custom extraction schemas.
  humanURL: https://www.kita.ai/capture
  baseURL: https://portal.usekita.com
  tags:
  - Schemas
  properties:
  - type: OpenAPI
    url: openapi/kita-schemas-api-openapi.yml
  - type: Documentation
    url: https://www.kita.ai/documentation
  - type: Webhooks
    url: asyncapi/kita-capture-webhooks.yml
  - type: APIReference
    url: https://github.com/Kita-Technologies/kita-api-examples/blob/main/API.md
- aid: kita:kita-transcripts-api
  name: Kita Transcripts API
  description: Plain-text document transcripts.
  humanURL: https://www.kita.ai/capture
  baseURL: https://portal.usekita.com
  tags:
  - Transcripts
  properties:
  - type: OpenAPI
    url: openapi/kita-transcripts-api-openapi.yml
  - type: Documentation
    url: https://www.kita.ai/documentation
  - type: Webhooks
    url: asyncapi/kita-capture-webhooks.yml
  - type: APIReference
    url: https://github.com/Kita-Technologies/kita-api-examples/blob/main/API.md
- aid: kita:kita-verification-api
  name: Kita Verification API
  description: Cross-document verification checks.
  humanURL: https://www.kita.ai/capture
  baseURL: https://portal.usekita.com
  tags:
  - Verification
  properties:
  - type: OpenAPI
    url: openapi/kita-verification-api-openapi.yml
  - type: Documentation
    url: https://www.kita.ai/documentation
  - type: Webhooks
    url: asyncapi/kita-capture-webhooks.yml
  - type: APIReference
    url: https://github.com/Kita-Technologies/kita-api-examples/blob/main/API.md
- aid: kita:kita-webhooks-api
  name: Kita Webhooks API
  description: Register and manage HMAC-signed outbound webhooks.
  humanURL: https://www.kita.ai/capture
  baseURL: https://portal.usekita.com
  tags:
  - Webhooks
  properties:
  - type: OpenAPI
    url: openapi/kita-webhooks-api-openapi.yml
  - type: Documentation
    url: https://www.kita.ai/documentation
  - type: Webhooks
    url: asyncapi/kita-capture-webhooks.yml
  - type: APIReference
    url: https://github.com/Kita-Technologies/kita-api-examples/blob/main/API.md
common:
- type: DeveloperPortal
  url: https://www.kita.ai/documentation
- type: Documentation
  url: https://www.kita.ai/documentation
- type: APIReference
  url: https://www.kita.ai/documentation
- type: GettingStarted
  url: https://www.kita.ai/documentation
- type: Website
  url: https://www.kita.ai/
- type: Blog
  url: https://www.kita.ai/blog
- type: Support
  url: mailto:support@kita.ai
- type: SignUp
  url: https://portal.usekita.com/
- type: Login
  url: https://portal.usekita.com/
- type: Pricing
  url: https://www.kita.ai/pricing
- type: TermsOfService
  url: https://www.kita.ai/terms
- type: PrivacyPolicy
  url: https://www.kita.ai/privacy
- type: GitHubOrganization
  url: https://github.com/Kita-Technologies
- type: SourceCode
  url: https://github.com/Kita-Technologies/kita-api-examples
- type: Security
  url: https://www.kita.ai/security
- type: Compliance
  url: https://www.kita.ai/security
- type: Sandbox
  url: sandbox/kita-sandbox.yml
- type: Console
  url: https://demo.kita.ai/
- type: Packages
  url: packages/kita-packages.yml
- type: SDKs
  url: packages/kita-packages.yml
- type: MCPServer
  url: mcp/kita-mcp.yml
- type: AgentSkill
  url: skills/_index.yml
- type: LLMsTxt
  url: llms/kita-llms.txt
- type: WellKnown
  url: well-known/kita-well-known.yml
- type: Authentication
  url: authentication/kita-authentication.yml
- type: Conventions
  url: conventions/kita-conventions.yml
- type: Idempotency
  url: conventions/kita-conventions.yml
- type: RateLimits
  url: rate-limits/kita-rate-limits.yml
- type: Plans
  url: plans/kita-plans.yml
- type: ErrorCatalog
  url: errors/kita-problem-types.yml
- type: Lifecycle
  url: lifecycle/kita-lifecycle.yml
- type: Conformance
  url: conformance/kita-conformance.yml
- type: DataModel
  url: data-model/kita-data-model.yml
- type: Examples
  url: examples/kita-examples.yml
- type: Webhooks
  url: asyncapi/kita-capture-webhooks.yml
- type: DomainSecurity
  url: security/kita-domain-security.yml
- type: VulnerabilityDisclosure
  url: security/kita-vulnerability-disclosure.yml
- type: TrustCenter
  url: security/kita-trust-center.yml
- type: AgenticAccess
  url: agentic-access/kita-agentic-access.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence