The credit-assessment stack built for lenders in emerging markets.
Kita handles the documents and credit assessment behind lending, so lenders can reach borrowers that manual paperwork used to lock out. In production with banks, fintechs, and community lenders across Southeast Asia, Latin America, and the US.
Make every borrower visible.
Billions of people 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.
"Kita ko na siya." — I see him now.
"Kita na lang." — Just you and me.
From application to recommendation.
One platform that takes borrower applications (documents, dialogue, and data) and returns a decision-ready credit assessment.
Application collection
The AI Credit Officer completes and verifies applicant profiles, ensuring document sets are consistent, omission-free, and have no red flags.
Document analysis
AI reads documents the way your best analyst would, understanding layout, tables, handwriting, and context across 50+ document types.
Fraud & validation
Every document is checked for tampering, inconsistencies, and anomalies. Cross-document verification catches what single-doc checks miss.
Underwriting analysis
Structured data, risk signals, fraud scores, and verification feed directly into your credit policy and existing systems.
Credit assessment
A draft credit assessment for your team to sign or override. Every claim cited to a source line. The lender always decides.
Backed by people who've built credit infrastructure before.
Y Combinator, plus a syndicate of fintech, AI, and emerging-markets investors. Operators who have shipped and scaled lending in the markets we serve, now backing Kita to do it again.
- Fintech operatorsSEA · LatAm
- AI research leadersResearch
- Document AI buildersEngineering
- Emerging-markets capitalCapital
What drives us.
We exist to expand financial access.
We build for lenders who serve underbanked communities, from Manila to Mexico City to Jakarta.
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.
Move fast. Cut zero corners.
YC-backed. SOC 2 Type II and ISO 27001 in active engagement. Engagement letters available on request via support@usekita.com.