Overview

Kita reads borrower documents (proof of income, proof of address, any image or file) and turns income, employment, banking, and document-quality signals into risk scores called Kita Financial Signals (KFS). Use them alongside your existing credit assessment.

A simple way to share income

Applicants share proof of income inside your app and review it before sending.

Example request

Call from your backend and keep the key there. KITA_BASE_URL is https://riskscore.kita.ai/<org> in production (kita_prod_ keys) or https://sandbox-api.kita.ai/<org> in sandbox (kita_sbx_ keys). Sync requests time out after 120 seconds. Node.js needs version 20 or later.

The full API reference (async jobs, batches, signed uploads, errors, limits) is at riskscore.kita.ai/docs (sign-in required).

pip install requests

import os
import requests

with open("bank-statement.pdf", "rb") as statement, open("payslip.pdf", "rb") as payslip:
  response = requests.post(
      os.environ["KITA_BASE_URL"].rstrip("/") + "/v1/score/application",
      headers={"X-API-Key": os.environ["KITA_API_KEY"]},
      data={"application_id": "app_example_001"},
      files=[("files", ("bank-statement.pdf", statement, "application/pdf")),
             ("files", ("payslip.pdf", payslip, "application/pdf"))],
      timeout=120,
  )
response.raise_for_status()
result = response.json()
score = (result.get("application") or {}).get("scores", {}).get("bank_cash_flow_stability_index")
print(score["score"] if score else "Score unavailable")

Example response

Scores are under application.scores, each with key, name, score, and percentile. A score can be absent or null depending on your model and the documents; address_verification_index is always null for now. Check n_scored and the per-file outcomes in documents before using the result.

{
  "application_id": "app_example_001",
  "n_documents": 2,
  "n_scored": 2,
  "application": {
    "model_version": "kfs-29k-20260622",
    "schema_version": 4,
    "n_documents": 2,
    "scores": {
      "bank_cash_flow_stability_index": {
        "key": "bank_cash_flow_stability_index",
        "name": "Bank Cash-Flow & Stability Index",
        "score": 0.7937,
        "percentile": 85.0
      },
      "address_verification_index": null
    }
  },
  "documents": [
    { "document_name": "bank-statement.pdf", "status": "ok" },
    { "document_name": "payslip.pdf", "status": "ok" }
  ]
}