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 API contracts indexed 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 and 1 Spectral governance ruleset.
Kita’s developer surface includes documentation, API reference, getting-started guide, engineering blog, support, signup flow, pricing, and 35 more developer resources.
What this lets a business do 1
Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →
Kin Score
Markets this provider is in provisional
The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.
| Market | Position | Depth | Registered MCP server | Declares compatibility |
|---|---|---|---|---|
| RPA and Document AI (RPA marketplaces, intelligent document processing) | undeclared | - | - | 1 |
| Accelerator Portfolios (Y Combinator, 500 Global, Antler participation) | undeclared | - | - | 1 |
| ONVIF Video Analytics (video surveillance, edge cameras, computer vision) | undeclared | - | - | 1 |
| Consumer Lending Licensing (UK, US, Canada credit licence registers) | undeclared | - | - | 1 |
Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.
Standards implemented 2
Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.
APIs 14
Individual APIs this provider publishes, each with its own machine-readable definition.
Kita Applications API
Loan application records.
Kita Batch API
Process up to 100 documents from URLs in one request.
Kita Conversation API
Borrower message thread.
Kita Credit API
Deterministic credit picture — spread, adjustments, policy decision.
Kita Documents API
Borrower document upload and extraction.
Kita Exports API
PDF and XLSX exports.
Kita Folders API
Group documents into containers.
Kita Memo API
Cited credit memo synthesis and retrieval.
Kita Processing API
Submit documents for extraction.
Kita Results API
Retrieve extraction results, summaries and exports.
Kita Schemas API
Custom extraction schemas.
Kita Transcripts API
Plain-text document transcripts.
Kita Verification API
Cross-document verification checks.
Kita Webhooks API
Register and manage HMAC-signed outbound webhooks.
Scroll for all 14
Postman Collections 14
Ready-to-run Postman collections for exercising this provider's APIs.
Scroll for all 14
Open Collections 14
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
Kita Capture Applications API
OPEN COLLECTIONKita Capture Applications Batch API
OPEN COLLECTIONKita Capture Applications Conversation API
OPEN COLLECTIONKita Capture Applications Credit API
OPEN COLLECTIONKita Capture Applications Documents API
OPEN COLLECTIONKita Capture Applications Exports API
OPEN COLLECTIONKita Capture Applications Folders API
OPEN COLLECTIONKita Capture Applications Memo API
OPEN COLLECTIONKita Capture Applications Processing API
OPEN COLLECTIONKita Capture Applications Results API
OPEN COLLECTIONKita Capture Applications Schemas API
OPEN COLLECTIONKita Capture Applications Transcripts API
OPEN COLLECTIONKita Capture Applications Verification API
OPEN COLLECTIONKita Capture Applications Webhooks API
OPEN COLLECTIONScroll for all 14
MCP Servers 1
Model Context Protocol servers that expose these APIs to AI agents.
Agent Skills 3
Packaged agent skills for driving this provider's APIs from an AI assistant.
Underwrite a loan file with Kita
AGENT SKILLKita API pricing
Prices published by Kita, read 2026-10-28 from www.kita.ai/pricing.
| Plan | Price |
|---|---|
| Lite | Talk to us for a quote. Includes: 3,000 credits a month |
| Starter | Talk to us for a quote. Includes: 6,000 credits a month |
| Growth | Talk to us for a quote. Includes: 15,000 credits a month |
| Kita Underwriter | A monthly license per loan product, plus a fee per application. |
| Enterprise | Contact sales Includes: Custom deployment, custom contracts, custom SLA and integrations, high volume |
Pricing Plans 1
Published pricing tiers and plan structures.
Kita Plans
PLANSRate Limits 1
Documented rate limits and quota policies.
Kita Rate Limits
RATE LIMITSService Levels 1
Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.
Kita
SLAFinOps 1
Cost, billing, and metering signals for API financial operations.
Kita Finops
FINOPSEvent Specifications 1
AsyncAPI definitions for this provider's event-driven and streaming APIs.
Kita Capture Webhooks
ASYNCAPISpectral Rules 1
Spectral governance rulesets for linting and validating these APIs.
Kita API Rules
SPECTRALOpenAPI Overlays 2
Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.
Kita Capture Overlay
DERIVEDKita Underwriter Overlay
DERIVEDSecurity Posture 4
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Agentic Access 1
Recommended x-agentic-access execution contracts for AI agents.
Resources
Get Started 6
Portal, sign-up, and the first successful call
Documentation 2
Reference material describing how the API behaves
Agent Surfaces 5
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 7
Pagination, idempotency, versioning, errors, and events
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Build 6
SDKs, sample code, and the tooling you integrate with
Access & Security 6
Authentication, authorization, and security posture
Operate 2
Status, limits, changes, and where to get help
Commercial 4
Pricing, plans, and the legal terms of use
Company 2
The organization behind the API
Other 2
Properties that don't map to a standard resource type
Source (apis.yml)
Kita API — frequently asked questions
Does Kita have an API?
Yes. APIs.io lists 14 APIs from Kita, including Kita Applications API, Kita Batch API and Kita Conversation API, and 11 more.
Is there an OpenAPI specification for the Kita API?
Yes. APIs.io indexes 14 OpenAPI specifications for Kita, each linked for download from this page.
How do I authenticate with the Kita API?
Kita uses bearer-token authentication (http · 2 schemes). The details are profiled on APIs.io as Kita Authentication.
How much does the Kita API cost?
Kita publishes its prices; its Lite plan is Talk to us for a quote. as of 2026-10-28. APIs.io lists 5 pricing plans for Kita, with each plan's price, limits and inclusions under Pricing on this page.
Does Kita have an MCP server?
Yes. APIs.io lists 1 MCP server for Kita: Local (stdio) MCP server; 7 tools listed.
Is the Kita API ready for AI agents?
Kita has a Kin Score of 62.5 out of 100 (strong) and an Agent Readiness score of 39.5 (agent-native), scored by API Evangelist on 2026-11-06.
Work with this as data
Every provider here is available over the APIs.io API and to AI agents over MCP.