Kita entered the Philippines as the world’s largest crypto exchange.

Kita is AI for underwriting. Underwriting still runs on fragmented data, manual review, and documents that are difficult to verify. We help lenders move from messy borrower documents and back-and-forth manual workflows to fast, consistent, decision-ready credit analysis, while keeping final credit decisions in the hands of human teams. This matters most in emerging markets and underserved communities in the U.S., where borrowers often lack clean bureau files, standardized financial records, or easy ways to prove repayment capacity. Kita helps lenders make sense of fragmented borrower data, validate documents, identify inconsistencies, and surface the signals analysts need to make better credit decisions. Built out of Stanford AI, Kita is trusted by leading lenders and banks across the Philippines, Mexico, South Africa, and the U.S. to scale lending operations across fragmented and document-heavy markets. We are backed by Y Combinator and leading investors across the U.S., Southeast Asia, and Latin America.