Kita API
Kita API v1 reference. Three products, each with its own API.
Kita has three products, each with its own API and its own key.
AI Underwriter
AI Underwriter is the CDFI / community-lender product. It exposes the same loop as the dashboard: application intake, document extraction, deterministic credit picture, cited memo generation, borrower conversation sync, and exports.
AI Underwriter docs · https://underwriter.kita.ai/api/v1
Kita Capture
Upload a bank statement, payslip, audited financial statement or any other supported type and read back normalized fields, transaction detail, integrity checks and an authenticity report.
Capture docs · https://api.kita.ai/api/v1
Kita Risk Score
Turn borrower documents into up to ten risk scores for your lending workflow. Customized for each enterprise client.
Kita makes self-reported proof of income, proof of address, and unstructured image or file uploads credit-visible for lenders. It reads borrower documents and turns income, employment, banking, and document-quality signals into risk scores, called Kita Financial Signals (KFS). Use them alongside your existing credit assessment.
Getting a key
API keys are issued per organization from the dashboard. Keys are shown once and stored by Kita only as a hash, so keep them server-side.
Kita recommends; the lender decides
The API never approves or denies credit on its own.