# Documents in Lending ## Solutions Three products. One credit graph. Live with banks and fintechs in 4 markets. [See deployments](/content/markets/index.html) 01 — Solutions ### Capture · AI Credit Officer · AI Underwriter # One AI-native stack. Three connected layers. Built for every underwriting scenario. Kita reads, verifies, and reasons about every borrower document a bank or fintech receives — from WhatsApp screenshot to signed credit memo. Nothing bolted on, no OCR pipeline to stitch together, no US-trained model failing in your market. ## Where Lending Breaks Today ### Three breakpoints in every loan file. Each Kita product is built around one of them. They compose. 01 ### Borrower drop-off Applicants ghost between the form and a complete file. Documents trickle in over weeks. Fixed by → AI Credit Officer 02 ### Document review Analysts re-key data from scans, screenshots, and statements. Hours per file. Fixed by → Capture 03 ### Memo drafting A clean file still becomes a slow human task to structure into something an underwriter can sign. Fixed by → AI Underwriter ## Where to Start ### If you need ___, start with ___. - If you need pure document extraction, start with Capture. [Read more →](/content/capture/index.html) - If you need borrower follow-up & intake, start with AI Credit Officer. [Read more →](/content/underwriting/index.html) - If you need draft credit assessments, start with AI Underwriter. [Read more →](/content/risk-engine/index.html) - If you need all three, end-to-end, start with The full platform. [Book a demo →](/content/request-demo/index.html) ## The Pipeline ### From WhatsApp screenshot to credit assessment in under 30 seconds. A typical pipeline. Pick the entry point that fits your stack, embed via API, run in our portal, or hand off WhatsApp to the Credit Officer. 01 ### AI Credit Officer Borrower sends documents via WhatsApp, web portal, or your existing loan-origination system. Credit Officer asks for what's missing, in the borrower's language. Complete file 02 ### Capture Capture reads each document with vision-language models. Returns structured fields, confidence scores, and tamper signals, no templates, no OCR pipeline. Structured data 03 ### AI Underwriter Underwriter reasons across the full file, runs bureau checks, and returns a credit assessment with cited evidence, calibrated to your credit policy. Your team makes the call. ## Products 01 · Standalone API ### Kita Capture Document extraction & fraud detection. Document-level fraud detection and structured data extraction. Reads M-Pesa screenshots, BVN cards, OXXO receipts, payslips, or any document you point it at. Returns clean output with confidence scores and tamper signals, downloadable in JSON, CSV, Excel, or any custom format you need. - Any document, any format, JSON, CSV, Excel, custom - 50+ document types calibrated per market - Tampering, forgery, and metadata checks - REST + Python SDK + portal [Read more](/content/capture/index.html) 02 · Top of Funnel ### AI Credit Officer Application intake on WhatsApp, SMS, email. Handles the verification and back-and-forth of borrower documents at the top of the funnel. Sends checklists, chases missing payslips, parses uploads, across WhatsApp, SMS, Viber, and email, until the file is complete. - WhatsApp, SMS, Viber, email integration - Multilingual (EN, TL, ID, ES, PT, SW) - Verifies completeness before passing on - Plugs into your LOS or CRM [Read more](/content/underwriting/index.html) 03 · End of Funnel ### AI Underwriter Draft credit assessment for your team to sign. Reasons across the full file. Cross-checks payslips against bank statements, validates IDs against bureau records, surfaces fraud signals, and returns a credit assessment calibrated to your policy. Your underwriter signs. - Cites every claim back to the source document - Tunable to your existing credit policy - Flags exceptions for analyst review - Returns structured JSON to your LOS [Read more](/content/risk-engine/index.html) ## How We Operate ### Three rules. We don't bend them. i. ### One credit balance. Capture, AI Credit Officer, and AI Underwriter draw from a single workspace balance. No per-API surcharges. No seat math. ii. ### Lender always decides. Kita returns assessments. Your underwriter signs or overrides. We never approve or deny credit on your behalf. iii. ### Forward-deployed by default. A Kita engineer joins your Slack, wires us into the LOS you already run, and stays until your first 1,000 files run clean. ## Get Started ### Free credits in the portal Run a real document with our team. [Book a demo](/content/request-demo/index.html) [Open the portal](https://portal.usekita.com/)