# Kita

> Kita is an AI-native loan origination and underwriting company (Y Combinator W26, San Francisco) building document intelligence and credit decisioning for lenders in emerging and undertapped markets. It ships two developer-facing APIs: Kita Capture, which turns scanned financial and identity documents into structured, validated, fraud-checked JSON, and Kita AI Underwriter, which builds a loan file, computes a deterministic credit picture and synthesizes a cited credit memo.

Generated by the API Evangelist enrichment pipeline on 2026-07-19. Kita does not publish its own /llms.txt; this file is generated from Kita's public documentation and the artifacts in this repository.

Key facts an agent should know before calling Kita:
- Two separate APIs, two hosts, two key prefixes. Capture is `https://portal.usekita.com` with `kita_prod_` keys. Underwriter is `https://underwriter.kita.ai/api/v1` with `kita_uw_` keys.
- Both authenticate with `Authorization: Bearer <key>`. Underwriter also accepts `Authorization: ApiKey <key>` and enforces coarse `read` / `write` key scopes (403 when the scope is missing). There is no OAuth.
- Both are asynchronous. Submit, then poll. Capture additionally supports HMAC-signed webhooks; Underwriter does not support webhooks at all.
- Underwriter intake is idempotent on a caller-supplied `external_ref`. Always send one — there is no test mode, so a retry without it creates a duplicate application.
- Credit numbers (DSCR, ratios, policy decision) come from a versioned deterministic calculation engine, not from an LLM, and every value cites the source document line.
- There is no public sandbox, no test keys and no magic test values. Development runs against production on the free tier.

## APIs

- [Kita Capture API](https://www.kita.ai/capture): Document intelligence — extract structured, fraud-checked data from bank statements, payslips, invoices, government IDs, credit reports and 30+ other document types. Base URL https://portal.usekita.com
- [Kita AI Underwriter API](https://www.kita.ai/underwriting): Loan applications, borrower documents, deterministic credit picture and cited credit memo. Base URL https://underwriter.kita.ai/api/v1

## Specs

- [Kita Capture OpenAPI](openapi/kita-capture-openapi.yml): OpenAPI 3.1 for the Capture API — 33 operations across processing, results, batch, verification, webhooks, folders and schemas. Generated from Kita's published documentation.
- [Kita AI Underwriter OpenAPI](openapi/kita-underwriter-openapi.yml): OpenAPI 3.1 for the Underwriter API — 19 operations across applications, documents, credit, memo, exports, transcripts and conversation. Generated from Kita's published documentation.

## Docs

- [Kita API Documentation](https://www.kita.ai/documentation): The canonical reference for both APIs — authentication, endpoints, response schemas, error handling, the Python SDK and the MCP server.
- [Underwriter API reference (API.md)](https://github.com/Kita-Technologies/kita-api-examples/blob/main/API.md): Endpoint-by-endpoint reference for the Underwriter API with request and response shapes.
- [Kita Capture product page](https://www.kita.ai/capture)
- [Kita AI Underwriter product page](https://www.kita.ai/underwriting)
- [Security and compliance](https://www.kita.ai/security)
- [Pricing](https://www.kita.ai/pricing)
- [Blog](https://www.kita.ai/blog)

## Tools and packages

- [kita on PyPI](https://pypi.org/project/kita/): Official Python SDK for the Capture API. `pip install kita`
- [kita-docs-mcp on npm](https://www.npmjs.com/package/kita-docs-mcp): Official MCP server (MIT). `npx -y kita-docs-mcp` — exposes docs and schemas as resources and both REST APIs as tools.
- [kita-api-examples](https://github.com/Kita-Technologies/kita-api-examples): Official end-to-end Python and curl examples for the Underwriter API.
- [Guided demo](https://demo.kita.ai/): Hosted walkthrough of the lending workflow with synthetic data.

## Repository artifacts

- [Authentication profile](authentication/kita-authentication.yml)
- [API conventions](conventions/kita-conventions.yml): idempotency, pagination, envelopes, async model, versioning.
- [Error catalog](errors/kita-problem-types.yml)
- [Rate limits and constraints](rate-limits/kita-rate-limits.yml)
- [Plans and pricing](plans/kita-plans.yml)
- [Webhook catalog](asyncapi/kita-capture-webhooks.yml)
- [Data model](data-model/kita-data-model.yml)
- [Lifecycle and versioning](lifecycle/kita-lifecycle.yml)
- [Conformance](conformance/kita-conformance.yml)
- [Sandbox and test data](sandbox/kita-sandbox.yml)
- [MCP server](mcp/kita-mcp.yml)
- [Packages and SDKs](packages/kita-packages.yml)
- [Examples](examples/kita-examples.yml)
- [Agent skills](skills/_index.yml)
- [Domain security](security/kita-domain-security.yml)
- [Vulnerability disclosure](security/kita-vulnerability-disclosure.yml)
- [Trust and compliance posture](security/kita-trust-center.yml)
- [Agentic access profile](agentic-access/kita-agentic-access.yml)