CARM

The credit standard for creative IP

CARM turns catalogue data, rights evidence, and royalty performance into an auditable rating and valuation that institutions can understand and act on.
Launch the engineExplore the API
Versioned methodology · CARM-1.0.2 Human-reviewed certificates Public verification

A rating you can see the reasoning behind

Illustrative example — not a real catalogue. Every score ships with the dimensions and evidence behind it.
See how the score is built

72

CARM score / 100

CARM-B · Standard

Market74 / 100
Legal65 / 100
Technology80 / 100

From catalogue data to credit clarity

A repeatable, explainable workflow for rating and valuing music and other creative intellectual property.
1
Import catalogue
Bring in catalogue, royalty, market, and rights data — progressively, not all at once.
2
Rate & value
The engine produces a CARM score, M/L/T dimensions, and an MLT Method valuation.
3
Verify rights
Add authority evidence and watch legal status move from provisional to verified.
4
Certify & share
Request a certificate, route it through human review, and share a public verification link.

Everything institutions need to trust the number

Not just a score — the evidence, methodology, and audit trail behind it.
  • CARM score
    A 0–100 score with Market, Legal, and Technology dimensions and clear rating bands.
  • MLT valuation
    Income, market, and relief-from-royalty approaches synthesized into one appraised value.
  • Evidence-led legal view
    Authority evidence, chain of title, prior claims, and verification status preserved in the audit trail.
  • Institution-ready API
    Versioned REST endpoints, Swagger documentation, idempotent writes, and partner-ready result schemas.
  • Secure certificates
    Preliminary-to-final review, public verification, content hashes, and cryptographic document security.
  • Built for African realities
    Diaspora streaming, fragmented PRO coverage, mobile-money flows, and cultural impact are part of the model.

Built for three journeys

Different users, one shared source of truth.
Catalogue owners
See what your catalogue is missing before you chase a real number — then build toward a verified rating.
Rate a catalogue
Lenders & institutions
Distinguish computed fact from indicative projection, and confirm authenticity in seconds from a certificate alone.
How verification works
Partner engineers
Integrate catalogue upsert, ratings, valuations, and certificates through one versioned REST API.
Read the API docs

Make creative assets legible to capital

Start with an indicative catalogue rating, then build toward verified evidence and lender-ready certification.
Get startedRead API docs

CARM is an indicative credit and investment assessment tool. It is not a guarantee of value, an offer of finance, or financial advice.