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
    Authoritative catalogue, rating, valuation, evidence, and certificate actions are recorded in an append-only, hash-linked audit trail.
  • Certificate lifecycle
    A certificate starts preliminary and moves through human review. Demo final records are clearly distinguished from production signed PDFs; production cryptographic signing and managed keys remain post-MVP controls.
  • Public verification
    Anyone holding a certificate reference can check the platform record and current status at a public URL — no account or login required. This does not itself prove that a downloaded file is cryptographically signed.
  • 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

The public verifier reports the current platform status while exposing only approved public fields.
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Withdrawn after issuance; verification reflects this immediately.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.

The canonical hash lets a reviewer compare approved record content. Production signed-PDF identity, managed signing keys, and independent trust-chain controls remain explicitly post-MVP.

Reference in, status out

The public record shows approved rating, valuation, methodology, status, and content-hash fields — 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