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.
Every field is computed, auditable, and deterministic. No black boxes. No manual overrides.
Standardised income data served to any lender — RBF, term loan, Murabaha, HPP, or revenue loan. Same API, same tape, every product.
Five sections. Computed, auditable, deterministic. Click any section to inspect the fields.
One request. One response. A complete Risk Tape — income evidence ready for your credit model.
# 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 == []
One API call. One format. A structured Risk Tape from connected platforms.
| 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 → |
Revenue and audience data across major creator platforms — so you see the full picture.
Revenue and payout data you can underwrite against
AdSense revenue, channel monetization, membership income
Payout history, transaction volume, account currency
Subscription revenue, bits income, ad revenue share
Membership revenue, patron payments, tier analytics
E-commerce revenue, order history, average order value
Marketplace sales, transaction revenue
Digital product sales, revenue data
Newsletter subscription revenue, paid subscribers
Affiliate commissions, influencer storefront earnings
Marketplace transaction revenue
Audience signals that sharpen your risk assessment
Audience demographics, engagement rate, content performance
Follower reach, engagement insights, content analytics
Audience engagement, content reach, follower analytics
Professional audience, content performance
Community size, engagement metrics, server health
Pin engagement, audience insights
Creator analytics, spotlight performance
Social engagement, follower growth
Channel subscribers, message reach
Community karma, engagement, subreddit presence
Publication reach, read analytics, follower engagement
Not retrofitted for EU rules — designed within them from day one.
Creators give explicit consent. They can withdraw it anytime. Every authorization is recorded with a clear legal basis.
Risk Tape fields are designed with ESMA reporting templates as reference.
No black-box ML. Every score is rule-based, traceable, and explainable — ready for AI Act scrutiny.
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.
US sub-processors (Google, Stripe, Resend) operate under standard DPAs that include EU Standard Contractual Clauses.
Security controls designed with ISO 27001:2022 as reference.
Operational resilience documentation available to support your DORA Art. 30 third-party risk assessments.
Official TypeScript SDK with EU-native endpoints. Zero runtime dependencies. Install: npm install creatorlayer.
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.