There is a strange phenomenon with current large models—monster-level reasoning ability, but they immediately fall apart when it comes to spending money.

They can handle complex papers, write code, manage systems, but turn around and ask them to settle a bill? They instantly become elementary school students.

The problem isn't in computing power or logic. To put it simply, it's that these models have never learned—how to spend money.

Specifically, there are three things missing in AI agents right now. First is financial literacy. They don't understand risk, don't know budgets, and don't grasp permissions. To improve output quality, they will desperately call paid APIs; to find complete data, they keep bombarding paid interfaces. Cost awareness? Nonexistent. Second is financial boundaries. Without framework constraints, they will endlessly consume call quotas, and when the bill finally comes out, users can't even cry. Third is accountability systems. When problems occur, the root cause can't be traced, and it's unclear who should pay the bill.

These three are precisely the most fundamental conditions for participating in real economic activities.

Kite's goal is to add this layer of "common sense" to AI. It's not about adding capability, but about adding common sense. This may sound small, but for intelligent agents in the economy, it's a necessary step from toy-level to industrial-level. Only a smart and rule-aware agent can truly enter the industrial environment.