The credit-assessment stack built for lenders in emerging markets.
Kita handles the documents and assessments behind underwriting, so lenders can serve the next billion borrowers. Founded at Stanford in 2025. Backed by Y Combinator. Live with enterprise lenders across four regions.
Make every borrower visible.
Billions of people across emerging markets are locked out of credit, not because they aren't creditworthy, but because their financial lives exist on paper, in photos, and in formats technology was never built to understand.
Kita builds the document and assessment layer underneath lender underwriting. The result: credit assessments that finally match reality. Your underwriter still decides.
"Kita ko na siya." — I see him now.
"Kita na lang." — Just you and me.
From application to recommendation.
One platform that takes borrower applications (documents, dialogue, and data) and returns a decision-ready credit assessment.
Application collection
The AI Credit Officer completes and verifies applicant profiles, ensuring document sets are consistent, omission-free, and have no red flags.
Document analysis
AI reads documents the way your best analyst would, understanding layout, tables, handwriting, and context across 50+ document types.
Fraud & validation
Every document is checked for tampering, inconsistencies, and anomalies. Cross-document verification catches what single-doc checks miss.
Underwriting analysis
Structured data, risk signals, fraud scores, and verification feed directly into your credit policy and existing systems.
Credit assessment
A draft credit assessment for your team to sign or override. Every claim cited to a source line. The lender always decides.
Meet the founders.
Built by Stanford engineers who fell in love with the messy document layer of emerging-market lending.
Carmel Limcaoco
Stanford Symbolic Systems & Music, MS Computer Science. Shipped features at Apple in computational audio and music for iOS. Research at the Stanford HCI Group. UN awardee at 16, launched the first Product Fellowship in the Philippines.
linkedin.com/in/carmellimcaoco/
Rhea Malhotra
Stanford BS & MS in Computer Science, incoming PhD in CV & Robotics. Firestone Medal recipient, the sole highest honor of the Stanford CS Department. Started research at 13, worked at Pfizer on the COVID-19 vaccine, and has authored 7 internationally recognized papers.
linkedin.com/in/rhea-malhotra-198744142/
Backed by the best.
Y Combinator W26 alongside angel investors with deep experience in fintech, AI, and emerging markets. We're building for the long term, not the next funding cycle.
- Stanford AI facultyResearch
- Fintech operatorsSEA · LatAm
- Document AI buildersEngineering
- Emerging markets investorsCapital
What drives us.
We exist to expand financial access.
Every feature we build, every market we enter, serves lenders who serve underbanked communities, from Manila to Mexico City to Jakarta.
Silicon Valley engineering, ground-truth markets.
Product team in San Francisco, customers in Southeast Asia, Latin America, and Indonesia. Built where the talent is, deployed where the need is.
Move fast. Cut zero corners.
YC-backed. SOC 2 Type II and ISO 27001 in active engagement. Engagement letters available on request via support@usekita.com.