## 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.