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Intelligent LOS

Lending, credit and underwriting · by Kita

The AI-native loan origination system.

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What it does

The AI-native loan origination system. Five modules operating as a single intelligence — pulls in every application, reads every document, extracts every figure, and flags what requires human review.

  • Automated credit assessment and underwriting
  • Loan origination
  • Document extraction and fraud detection
  • Borrower application processing
  • Credit memo drafting
Category
Lending, credit and underwriting
Built for
Financial services and insurance
Users
Enterprise lenders and banks in Southeast Asia, CDFIs, community banks, and SMB lenders in the United States, Fintechs, SOFOMs, and SMB lenders in Latin America
Public API
Not offered
Deployment
Self-hosted, On-premises

Not yet disclosed: platforms, languages and support channels.

Pricing

  • Free plan$0

Prices as published by Kita, checked Oct 2026.

Security and compliance

As reported by Kita. Ask for audit reports before you buy.

  • ISO/IEC 27001In progress
  • SOC 2 Type IIIn progress
  • Trust Services CriteriaCompliant
  • AES-256 encryption at rest
  • TLS 1.3 encryption in transit
  • Automatic key rotation in managed KMS with split-knowledge access
  • SSO via SAML 2.0 (Okta, Azure AD, Google Workspace) on Enterprise
  • MFA enforced for all human access
  • Role-based permissions
  • Scoped API keys per environment
  • Session timeouts
  • Private VPC networking, no public ingress to compute
  • Edge WAF and DDoS protection
  • Egress allowlists for outbound traffic
  • Strict logical tenant isolation; no data, compute, or model context shared across tenants
  • Dedicated environments available on Enterprise
  • Audit logging with timestamps, user, and request ID; tamper-evident; retained 12+ months
  • Logs streamable to customer SIEM
  • Threat-modeling on every new surface
  • Mandatory peer review and security review for auth, encryption, or data egress changes
  • Branch protection on every repository
  • Automated SAST on every pull request
  • Dependency vulnerability scanning blocking known CVEs
  • Container image scanning at build and runtime
  • No long-lived credentials in code; all secrets vaulted via short-lived tokens
  • Secrets rotated on fixed schedule and on personnel changes
  • Locked dependency manifests, signed builds, reproducible CI
  • SBOM available on request
  • Third-party libraries reviewed before introduction
  • Pre-signed URLs scoped to single upload, never reusable
  • Single-tenant isolated compute for document processing; no cross-tenant context or shared memory
  • Encrypted backups with point-in-time recovery
  • Restoration tested on documented schedule
  • Multi-AZ architecture by default
  • Regional failover playbooks exercised regularly
  • Documented incident response plan with severity levels, on-call rotation, and escalation paths
  • Customer notification typically within 72 hours of confirmed impact
  • Annual third-party penetration tests
  • Continuous internal scanning
  • Responsible disclosure program
  • Background-checked engineers with production access
  • Annual security and privacy training for all team members
  • Secure-coding training for engineers
  • NDAs and confidentiality clauses before access to customer data
  • Least-privilege, time-bound, MFA-gated production access
  • Access revoked same day on offboarding; quarterly access reviews
  • Customer-managed encryption keys (BYOK) scoped per deployment
  • VPC and on-premises deployments available on Enterprise
  • SCIM-based provisioning available on request

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