Creative IP deserves to be legible to capital
Music catalogues, especially across Africa's fragmented rights and diaspora-driven streaming landscape, carry real economic value that is hard for lenders and institutions to assess. CARM exists to make that value explainable, evidenced, and verifiable.
A trust and decision-support platform, not a marketplace
CARM does not list catalogues for sale or broker deals. It gives catalogue owners, lenders, and partners a shared, auditable read on what a catalogue is worth and why — so financing decisions can be made with evidence in hand.
Who CARM serves
- Catalogue ownersAn artist or rights holder can see, within minutes, what a catalogue is missing before chasing a real valuation number.
- Credit officers & institutionsA lender needs to separate computed fact from indicative projection, and confirm a certificate’s authenticity from the document alone.
- Partner engineersA fintech partner should be able to self-serve integration from API documentation, without needing a person on the other end.
Principles we don't compromise on
These are non-negotiable product decisions, not aspirations.
The methodology runs server-side, and it is versioned
Proprietary calibration never reaches a browser bundle, and every release is named and immutable.
A catalogue is the source object
Ratings, valuations, and certificates are derived, timestamped snapshots of a catalogue — never the other way around.
Legal evidence is a registry, not a checkbox
Authority, evidence type, reference, and verification date are all recorded — "verified" is earned, not asserted.
Prior claims come off the top
A financeable net facility is only ever shown after existing claims against the catalogue are deducted.
Final certificates require a human
No certificate reaches final status without a qualified analyst’s sign-off.
Certificates are independently checkable
Cryptographic content hashes and public verification mean trust never rests on the platform’s word alone.
Designed for African realities
Diaspora streaming behavior, fragmented performance-rights-organisation coverage, mobile-money royalty flows, and cultural impact are treated as first-class inputs to the model — not edge cases bolted on afterward.
What CARM is, and isn't
CARM is an indicative credit and investment assessment tool. It is not a guarantee of value, an offer of finance, or financial advice. Every rating distinguishes input data from calculated output, self-declared evidence from authority-verified evidence, and a preliminary certificate from a final one.
Start with an indicative rating
Build toward verified evidence and lender-ready certification at your own pace.