We're building the credit layerfor the next billion borrowers.
Kita is AI for underwriting, deployed where lending is hardest: thin files, messy documents, and borrowers bureau scores miss. In production with banks, fintechs, and community lenders across Southeast Asia, Latin America, and the US.
Make every borrower visible.
Billions of people — from underserved communities in the US to borrowers across emerging markets — are locked out of credit, not because they aren't creditworthy, but because their financial lives exist on paper, in photos, and in formats technology was never built to understand.
Kita builds the document and assessment layer beneath underwriting. Messy, real-world files become credit assessments your team can act on. Your underwriter still decides.
seen; visible; obvious; easily understood
earnings; wages; income; revenue
Backed by the first investors in fintech, and operators defining the AI era.
From early investors in Stripe, Plaid, Coinbase, and Ramp to operators with deep experience across Southeast Asia, Latin America, and beyond, our backers have helped shape the infrastructure behind modern finance, global technology, and AI.
Now, they're backing Kita to build the credit assessment layer for the rest of the world.
What drives us.
We exist to expand financial access.
We build for lenders who serve underbanked communities — CDFIs in the American South, microfinance banks in Manila, fintechs in Mexico City.
Engineering in Silicon Valley, deployments on the ground.
Live with banks, fintechs, and CDFIs across Southeast Asia, Latin America, and the US. Forward-deployed teams in every market we serve.
The lender always decides.
Kita drafts the assessment; people make the call. Every claim is cited to a source line and built to be overridden. We automate the paperwork, never the judgment.
Move fast. Cut zero corners.
YC-backed. ISO 27001 and SOC 2 Type II compliant. ISO certificate and SOC 2 Type II report available on request via support@kita.ai.