CARMA

the next generation credit bureau built to fill the gap in sharing credit information for markets where traditional credit bureaus are weak or non-exsistent

We circulate blacklists informally with a couple of other companies in our industry to prevent fraud

African PAYGO Solar Company

We looked at deploying a solution for data exchange between our members. Credit bureaus give us too low hit ratio on our data requests

Lenders Association in Kenya

Fraudsters install multiple loan apps with a brand-new phone to harvest cash in hours. We need real-time data exchange between lenders to tackle this problem

MFI in Kenya

Credit Bureau 2.0

Decentralised
Distributed
Global

Ownership

Peers maintain full ownership of the data that is shared

Secure

Data shared securely on peer-to-peer blockchain network

Real-time

Data is sourced directly from original peer databases in real-time

Incentives

Non-financial industries incentivized to contribute their data

Service Available

47
Countries
2.1 b
Population
12 %
Collected Credit Histories
317 m
Loan Deals per annum

ANTI-FRAUD SUITE

  • for sharing blacklists and loan inquiries logs
  • provides information on a real-time basis
  • does not expose personal data
  • peer-to-peer data transfer
  • only query related information transmitted
  • simple plug-n-play app for Windows 10
Schedule a demo
 

Faisal Omar

Product

Lina Milyutina

technology

Ted Martynov

executive


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OUR Locations

C/S/SE Asia – Singapore, SG
Africa – Nairobi, Kenya
IT facilities – Kyiv, Ukraine
(please contact us to join the team)