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Risk Score

Risk Score SDK

Collect a borrower's financial documents inside your product with a drop-in flow.

The Risk Score SDK is a drop-in flow for your web page or Android app. The borrower consents, chooses their documents as PDFs or photos, and shares them with Kita.

You write two things: a server call that creates a session, and a client call that opens the SDK. Every request needs your API key, and the key never leaves your server.

  1. 1 · Your server

    Create a session

    Call POST /v1/risk/sessions with your API key and your applicant ID. You get a session_id and a short-lived client_token.

  2. 2 · Your page or app

    Open the SDK

    Pass both values to KitaRisk.create(). The borrower consents, picks their documents and shares them. Files go straight to Kita, not through your servers.

  3. 3 · Kita

    Read and deliver

    Kita extracts and scores each file. onSubmitted tells your page the borrower is done; a signed webhook tells your server processing finished.

What the borrower sees

Consent screen of the Kita Risk Score SDK
1. ConsentYour display name, what will happen, and a link to the data notice. Continue records consent.
Choose files screen of the Kita Risk Score SDK
2. Choose filesPayslips and proof of income, bank statements, or a utility bill, then the device file picker.
Unlock, if needed screen of the Kita Risk Score SDK
3. Unlock, if neededPassword-protected PDFs ask for the document password. It opens the file once and is never stored.
Review screen of the Kita Risk Score SDK
4. ReviewEvery accepted file with its size. The borrower can remove or add files, then share.
Receipt screen of the Kita Risk Score SDK
5. ReceiptThe borrower is finished immediately. Processing continues in the background.
DocumentExamples
Payslips and proof of incomePayslips, CFDI payroll receipts, invoices the borrower issued, earnings records from gig platforms
Bank statementsPDF export from the bank's app or website, or photos of each page
Proof of addressA utility bill showing the borrower's name and address: electricity, water, gas, phone or internet

PDF, JPG, PNG and HEIC, up to 100 MB per file and 12 files per session. The borrower does not label anything; Kita detects the document type. English by default, Spanish with language: 'es'. No bank login and no video.

Get the SDK

PieceHow you get it
Web SDKNothing to download. Load https://<your-kita-host>/sdk/v1/kita-risk.js with a script tag, so fixes reach you without a release.
Python server clientDownload kita_risk.py: one file, standard library only. Any HTTP client works too.
AndroidNo native library. The web SDK runs in a WebView; Kita shares a sample host app during onboarding.
API key and hostIssued by Kita during onboarding.

Start here

  1. Quickstart: a working integration in three steps
  2. Web SDK and Server API: the full reference
  3. Android: the same flow in a WebView

How results reach you

Agreed during onboarding. Live scoring: your server reads scores after a signed webhook. Backtest: nothing is returned except session status, and Kita keeps each applicant's files and raw output for the backtest. See what Kita stores.

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