Now in pilot — EU-native

One Risk Tape.
Any contract.

Income evidence infrastructure for European creator lending. The Risk Tape is contract-agnostic: it powers conventional RBF, term loans, and BNPL. It powers Sharia-compliant HPP, Murabaha, and Ijara. The lender owns the contract; Creatorlayer owns the income evidence.

GDPR-compliant
ESMA-aligned tapes
Open finance aligned
API-first
RBF / Advance
I advance against creator revenue
Verified run rates, volatility CV, drawdown — everything to price a revenue share advance in minutes.
Term Lending
I offer term loans or credit lines
Stressed income floor, DTI ratio, stability score — the payslip equivalent for self-employed creators.
Islamic Finance
I provide Sharia-compliant products
Income evidence for Murabaha, Ijara, and HPP — with optional Sharia screening overlay. Halal income data.
HPP / Mortgage
I underwrite mortgages or HPPs
Net disposable income, stressed income, 36-month track record. Replace bank statement requests with one API call.
Risk Tape v1 prime
Obligorcreator-yt-0847
Jurisdiction🇪🇺 EU / France
Platformsyoutube, stripe
Avg monthly€4,280
Volatility0.18
Growth+12.4%
Tier prime
Creator Score82/ 100
Max drawdown-8.2%
Score 91%
Coverage6 / 6 months
The Risk Tape

A format your credit models already understand

Every field is computed, auditable, and deterministic. No black boxes. No manual overrides.

Risk Tape — Sample Output
tape_version: 2.0.0 · generated: 2026-03-25T09:14:00Z
prime ND: none
obligor_id cre_demo_001
platform youtube, stripe
typology gaming / education
history_months 14
jurisdiction 🇫🇷 FR
avg_monthly €4,280 / mo
volatility_cv 0.18
growth +12.4%
max_drawdown -8.2%
12-month revenue
risk_tier prime
creator_score 82 / 100
data_quality 91%
eligible true
explainability deterministic
For lenders & fintechs

One Risk Tape. Every contract type.

Standardised income data served to any lender — RBF, term loan, Murabaha, HPP, or revenue loan. Same API, same tape, every product.

What's in a Risk Tape

Five sections. Computed, auditable, deterministic. Click any section to inspect the fields.

Obligor
Creator identity & platform handles
obligor_id"cre_demo_001"
jurisdiction"EU/FR"
typology"gaming/education"
platforms["youtube","stripe"]
history_months14
Cashflow
Monthly revenue, 12-month history, volatility
avg_monthly_revenue4280
median_monthly_revenue4100
cashflow_volatility_cv0.18
growth_rate_6m+0.124
max_drawdown-0.082
Risk Profile
Risk tier, creator score, ND codes
risk_tier"prime"
creator_score82
nd_codes[]
score_version"1.0"
explainability"deterministic"
Eligibility
Minimum thresholds, program fit flags
eligibletrue
min_revenue_mettrue
min_months_mettrue
disqualifying_ndfalse
eligibility_tier"prime"
Data Quality
Coverage score, freshness, source reliability
data_quality_score0.91
coverage_months14
freshness_days0
sources_verified2
gaps_detectedfalse

API-first integration

One request. One response. A complete Risk Tape — income evidence ready for your credit model.

CURL
# Fetch Risk Tape for a verified creator
curl -X GET \
  https://api-sandbox.creatorlayer.eu/api/v1/verifications/{verificationId}/tape \
  -H "Authorization: Bearer <api_key>" \
  -H "Accept: application/json"

# response.risk_tier             → "prime"
# response.creator_score         → 82
# response.eligible              → true
# response.avg_monthly_revenue   → 4280
# response.cashflow_volatility_cv → 0.18
# response.data_quality_score    → 0.91
# response.nd_codes              → []
// npm install @creatorlayer/node
import { Creatorlayer } from '@creatorlayer/node';

const cl = new Creatorlayer({
  apiKey: process.env.CL_API_KEY
});

const tape = await cl.riskTape.get('cre_abc123');

// tape.risk_tier     → 'prime'
// tape.creator_score → 82
// tape.eligible      → true
// tape.nd_codes      → []
# pip install creatorlayer
import creatorlayer

client = creatorlayer.Creatorlayer(
    api_key="<api_key>"
)

tape = client.risk_tape.get("cre_abc123")

# tape.risk_tier    == "prime"
# tape.creator_score == 82
# tape.eligible     == True
# tape.nd_codes     == []
Sandbox available. 4 demo profiles covering all risk tiers — free to test. Try the API Explorer → or read the docs →
Full API reference
How it works

From consent to Risk Tape in three steps

One API call. One format. A structured Risk Tape from connected platforms.

lender-portal.creatorlayer.dev
Lender Portal
New Verification
Creator email alice@example.com
Platforms requested
YouTube Stripe Twitch Patreon
Send verification link
Link sent to alice@example.com
creator-portal.creatorlayer.dev
Creator Consent Portal
Banque de Fer SA is requesting read-only access to your platform data to assess your income profile.
YouTube
Revenue, channel analytics
Connected ✓
Stripe
Payout history
Connect
Authorize & continue
🔒 GDPR Art. 6(1)(a) · Read-only · Withdraw anytime
The lender never sees raw credentials. The creator controls exactly what’s shared.
creator-portal.creatorlayer.dev — alice@example.com
Creator Portal
Verification in progress
Connected platforms
YouTube 14 months fetched
Stripe Payouts verified
Computing risk profile…
Preliminary metrics
Avg monthly revenue≈ €4,200
Revenue months covered12 of 14
Cashflow volatilitycomputing…
Risk tiercomputing…
Data is pulled directly via OAuth — no manual uploads, no PDFs, no screenshots.
lender-portal.creatorlayer.dev — Verifications
Creator Platforms Risk Tier Health Updated
alice@example.com yt, stripe prime 82/100 just now View tape →
bob@example.com twitch standard 61/100 3h ago View tape →
carol@example.com substack subprime 38/100 yesterday View tape →
GET /v1/risk-tape/cre_abc123 200 OK
{ "obligor_id": "cre_abc123", "risk_tier": "prime", "creator_score": 82, "avg_monthly_revenue": 4280, "cashflow_volatility_cv": 0.18, "data_quality_score": 0.91, "nd_codes": [], "eligible": true }
One API call returns a structured Risk Tape. Machine-readable JSON. ESMA-aligned fields. Ready for your credit model.
Platform ecosystem

The platforms your creators earn on

Revenue and audience data across major creator platforms — so you see the full picture.

Revenue platforms

Revenue

Revenue and payout data you can underwrite against

YouTube
Live

YouTube

AdSense revenue, channel monetization, membership income

Stripe
Live

Stripe

Payout history, transaction volume, account currency

Twitch

Twitch

Subscription revenue, bits income, ad revenue share

Patreon

Patreon

Membership revenue, patron payments, tier analytics

Shopify

Shopify

E-commerce revenue, order history, average order value

Etsy

Etsy

Marketplace sales, transaction revenue

Gumroad

Gumroad

Digital product sales, revenue data

Substack

Substack

Newsletter subscription revenue, paid subscribers

Amazon

Amazon

Affiliate commissions, influencer storefront earnings

Vinted

Vinted

Marketplace transaction revenue

Audience platforms

Audience

Audience signals that sharpen your risk assessment

TikTok

TikTok

Audience demographics, engagement rate, content performance

Meta

Meta (Instagram/Facebook)

Follower reach, engagement insights, content analytics

Twitter/X

Twitter/X

Audience engagement, content reach, follower analytics

LinkedIn

LinkedIn

Professional audience, content performance

Discord

Discord

Community size, engagement metrics, server health

Pinterest

Pinterest

Pin engagement, audience insights

Snapchat

Snapchat

Creator analytics, spotlight performance

Bluesky

Bluesky

Social engagement, follower growth

Telegram

Telegram

Channel subscribers, message reach

Reddit

Reddit

Community karma, engagement, subreddit presence

Medium

Medium

Publication reach, read analytics, follower engagement

Compliance & trust

Designed within EU rules from day one

Not retrofitted for EU rules — designed within them from day one.

GDPR-compliant consent flow

Creators give explicit consent. They can withdraw it anytime. Every authorization is recorded with a clear legal basis.

ESMA-aligned data tapes

Risk Tape fields are designed with ESMA reporting templates as reference.

AI Act explainability

No black-box ML. Every score is rule-based, traceable, and explainable — ready for AI Act scrutiny.

EU-Only Hosting

Hosted on Scalingo 🇫🇷 (API) and IONOS 🇩🇪 (static). All data is stored in the EU. US sub-processors (YouTube, Stripe, Resend) operate under EU Standard Contractual Clauses.

Standard Contractual Clauses

US sub-processors (Google, Stripe, Resend) operate under standard DPAs that include EU Standard Contractual Clauses.

ISO 27001 Alignment

Security controls designed with ISO 27001:2022 as reference.

DORA-aligned documentation

Operational resilience documentation available to support your DORA Art. 30 third-party risk assessments.

Developer SDK

Official TypeScript SDK with EU-native endpoints. Zero runtime dependencies. Install: npm install creatorlayer.

Pricing

Pilot programme pricing

Currently in pilot

Custom pricing for
pilot partners

We're currently working with a select group of lenders and fintechs to refine the product. Pilot partners get early API access, direct support, and input into the roadmap.

  • Full Risk Tape API access
  • 3 sandbox demo creators included
  • GDPR documentation kit
  • Direct integration support
  • Input into product roadmap
Contact us for early access