CARM

Trust is a feature, not a footnote

CARM separates what is measured from what is asserted, and makes every step from evidence to certificate independently checkable.
How the score is builtGet started

The controls behind every rating

Six mechanisms keep a CARM rating honest, reproducible, and independently verifiable.
  • Evidence registry
    Legal and rights evidence is a ranked registry — authority, evidence type, reference, verification date, and re-verification interval — not a single checkbox. Authority-verified records outrank self-declared ones, and overdue re-verifications are flagged.
  • Immutable audit trail
    Every catalogue, rating, valuation, evidence, and certificate action is written to an append-only audit log, viewable per catalogue from the workspace.
  • Certificate lifecycle
    A certificate starts preliminary, moves through analyst review, and only becomes final after a qualified human sign-off. Certificates can be revoked, and status changes are auditable.
  • Public verification
    Anyone holding a certificate reference can verify its authenticity and current status at a public URL — no account or login required.
  • Versioned methodology
    Every rating and valuation stores the methodology version and the exact calculation snapshot used, so later methodology releases can never silently change a historical result.
  • Bounded AI
    The "Explain this rating" assistant only describes already-computed outputs in plain language. It cannot calculate or override a score, invent legal evidence, or make certificate decisions.

Certificate status, at a glance

A certificate's status is always visible and always current — the same status shown to an analyst is shown to the public verifier.
Preliminary

Requested, not yet reviewed by an analyst.

Final

Reviewed and signed off by a qualified analyst.

Revoked

Withdrawn after issuance; verification reflects this immediately.

Verify a certificate yourself

Every certificate is checkable at a public URL in the form /verify/:reference — no login, no account, and no dependency on trusting the platform's word alone. Ask your counterparty for their certificate reference to try it.

Verification exists so a credit committee never has to take a certificate's authenticity on faith. The content integrity hash means a modified document will not match the record, and a revoked certificate shows as revoked immediately, everywhere.

Reference in, status out

The public verification record shows the CARM score, band, appraised value, confidence range, methodology version, and content integrity hash — no sign-in required.

Indicative, not a guarantee
CARM is an indicative credit and investment assessment tool. It is not a guarantee of value, an offer of finance, or financial advice. Always distinguish input data from calculated output, and self-declared evidence from authority-verified evidence.

See the reasoning behind the number

The CARM score and MLT valuation, explained dimension by dimension.
How CARM worksGet started