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World's First P2P Data Marketplace

Data one-stop-shop for lenders and revenue generating asset for any organization

small-logo Open Banking Member Why it matters?

CARMA featured as the African startup to watch in 2021!

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African recorded by credit bureaus


unbanked have alternative data

Data Patterns

Data the Asset

  • Get paid

    Every time your data hit.

  • Share data peer-to-peer

    We don’t store your data.

  • Control subscribers

    Manage what data to share. Control who gets access to your data.

  • more

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Data the Oil

  • Real-time data access

    Source data from original databases.

  • Pan-industry data

    Access all data through a single interface.

  • Pay per hit

    Blank report cost nothing.

  • more

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We found a critical missing component for the lending infrastructure

William Kanyika Managing Director at NASCU

It fully covers the needs of credit unions in sharing credit data amongst themselves, which is now even more important than ever before due to the economic impact caused by the COVID-19 pandemic.
Over indebtedness control and fraud prevention are expected benefits for lenders and we believe that many other financial and non-financial institutions will leverage the impact of the credit data marketplace along with us.

How Is it secure?
CARMA provides decentralized protocol of data exchange
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Who we are
Ted Martynov


Femi Oluyide

Business Development

Lina Milyutina


Mark O’Hara


Zainab Daham


Gaston Bilder

Impact and Investment

Pravesh Rijal

Data and Product

CARMA brings about unprecedented benefits to the traditionally untransactable.
Hieu Nguen Founder at FiinGroup JSC

Deplying CARMA’s solution bring huge benefits to Vietnam market especially in enabling transactions including lending and other contractual arrangement leveraging on alternative data. CARMA does not only offer benefits to the unbanked/unbankable but also to bring about unprecedented benefits to the traditionally untransactable.

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