M-Pesa to BVN, every borrower file in seconds.

Live with enterprise banks, microfinance institutions, and fintechs across Nigeria, Kenya, and South Africa. Mobile-money-first lending, regional government IDs, layouts US models can't read.

Mobile money skipped past banks

M-Pesa, MTN MoMo, Vodacom. Real revenue, no bank statement. Borrower paperwork didn't catch up.

Informal records dominate

Market traders, farmers, micro-business owners. Cooperative ledgers, harvest records, trade licenses, not audited financials.

Bureau coverage is patchy

TransUnion and Experian cover formal employment. The borrowers lenders care most about are missing.

KYC is document-heavy

FICA in SA, Huduma in KE, Ghana Card. Each country runs its own ID stack. Templates fail across borders.

Three lender archetypes, calibrated to Africa.

SME and trade-finance lenders

Cooperative records, supplier invoices, trade licenses. Cash flow built from M-Pesa and bank statements together.

Mobile-money-native consumer lenders

Underwrite from M-Pesa, MTN MoMo, and Airtel Money records. Real-time fraud signals at high volume.

Banks and microfinance institutions

FICA-compliant document review. Calibrated to South African and Kenyan formats. Engagement letters on request.

Documents we read fluently — and the long tail we can extend.

No templates required. Our models reason through any document format visually — even handwritten, poorly scanned, or rotated.

Mobile money

M-Pesa, MTN MoMo, Airtel Money, Vodacom M-Pesa, Tigo Pesa

Bank statements

Standard Bank, FNB, Absa (SA); Equity, KCB, Co-op (KE); GTBank, Access, Zenith (NG)

Tax & government

KRA PIN (KE), TIN (NG), SARS (SA), GRA (GH)

Credit profiles

TransUnion & Experian (SA), Metropol & Creditinfo (KE), CRC & CreditRegistry (NG)

National IDs

Huduma & national ID (KE), NIN & voter card (NG), Ghana Card, SA smart ID

Business & trade

Business registration, cooperative certificates, trade licenses, informal ledgers

Agricultural

Harvest records, land titles, cooperative membership, warehouse receipts

Any document

Bring an unlisted format. Capture handles it on day one.

Calibrated to your security review.

POPIA-aware data handling in South Africa. Engagement letters for ISO 27001 and SOC 2 Type II available on request via support@usekita.com.

Backed by Y Combinator. Live with enterprise lenders today.