# Kita

**Canonical:** https://apis.io/providers/kita/  
**Website:** https://www.kita.ai/  
**APIs profiled:** 14

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.

## Kin Score — 64.0 / 100 (strong)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 64.0).

| Facet | Score |
|---|---|
| Discoverability | 92.6 |
| Contract Quality | 70.1 |
| Governance | 11.5 |
| Operational Transparency | 23.7 |
| Developer Ergonomics | 79.9 |
| Commercial Clarity | 92.1 |

Regulatory layer — **Insurance**: 54.5 (matched via tags).

## Agent readiness — 65.5 (agent-native)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| MCP Server | yes |
| Auth Clarity | yes |
| Idempotency | documented |
| Error Semantics | documented |
| OpenAPI Examples | partial |
| Rate Limit Signal | verified |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | yes |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Freemium · Self-serve signup — onboarding: self-serve, pricing: freemium, trial: no (confidence: high).

## APIs (14)

- **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.

## MCP servers (1)

- **kita-mcp.yml**

## Agentic access (1)

- **Kita Agentic Access** — 52 operations · 22 acting

## Security (4)

- **Kita Authentication** — http · 2 schemes
- **Kita Domain Security** — TLSv1.3 · HSTS · DMARC
- **Kita Vulnerability Disclosure** — contact published
- **Kita Trust Center** — SOC 2 Type II, ISO 27001

## Plans (1)

- **Kita Plans**

## Tags

Company, Fintech, Lending, Underwriting, Credit Scoring, Document Intelligence, Document Extraction, Fraud Detection, Artificial Intelligence, Computer Vision, Emerging Markets, Loan Origination

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/kita/). Scores are computed from the provider's own public artifacts under a published rubric.