Kita

Kita is an early-stage financial technology company that automates credit review processes for commercial lenders in emerging markets, operating from an unspecified headquarters. The platform utilizes vision-language models and computer vision to extract data from unstructured borrower documents, including e-wallet records, bank statements, and utility bills. By converting this raw financial history into fraud-checked underwriting signals, the software enables financial institutions to accelerate decision-making and expand lending volume across the Philippines, Indonesia, and Mexico. The system functions as a continuous learning engine that links document-level signals to repayment outcomes, progressively improving risk assessment capabilities over time. Backed by Y Combinator for its Winter 2026 batch, the enterprise currently operates with a two-person team drawing on prior experience at Apple and Stanford University. The document intelligence platform was recently founded by Carmel and Rhea.