Convert your crypto transaction CSVs into CARF-compliant XML files in seconds. Validates TINs, classifies transactions, and runs 100% locally — your data never leaves your machine.
macOS & Windows. No account required. No data uploaded.
Compliance Score
89%
Grade B
TINs Validated
247
3 invalid found
Transactions
12,489
All classified
Issues Found
3 criticalBuilt for compliance teams at
Chief Compliance Officers face three critical challenges with the new OECD CARF requirements.
Your data is in CSVs but the submission format is XML. You can't read XML to verify correctness. You're filing blind.
Big 4 firms charge $300-500/hour for manual CARF preparation. Every minor adjustment costs a fortune and takes weeks.
After high-profile crypto hacks, uploading client transaction ledgers to cloud SaaS providers is a non-starter.
See every error before you file. Row-level validation shows exactly what's wrong and how to fix it.
Process 100,000 transactions in under 10 seconds. No waiting for consultants. Generate XML on your schedule.
Runs entirely on your desktop. Zero data transmission. Zero cloud dependency. Your client data stays yours.
From CSV import to validated XML export, CARFul handles the entire workflow.
Drag-and-drop your transaction CSV. Auto-detects columns from Coinbase, Binance, Kraken, and 10+ exchanges.
Validates US EIN (with IRS prefix rules), UK UTR (Modulus 11 checksum), and Canadian SIN (Luhn algorithm).
Generates schema-compliant XML with proper namespaces, RCASP structure, and all 19 CARF transaction codes.
Get a compliance score (A-F grade) with detailed breakdown of TIN validity, transaction mapping, and data quality.
Generate professional compliance reports with charts, error breakdowns, and prioritized recommendations for auditors.
Streaming XML engine processes 100K+ transactions in under 10 seconds with O(1) memory usage. No size limits.
Four steps from raw transaction data to OECD-ready filing.
Drop your exchange CSV. CARFul auto-detects the column format.
TINs checked against jurisdiction rules. Errors flagged by row number.
Get your compliance grade and a PDF report with fix recommendations.
Generate CARF-compliant XML. Ready to file with your tax authority.
Start with a free health check. Upgrade when you need to export.
Find out if your data is compliant
Full CARF XML export + priority support
Less than 2 hours of Big 4 consulting fees
42K+
Transactions/sec
19
CARF codes supported
3
TIN jurisdictions
0 bytes
Data uploaded
No. CARFul runs entirely on your desktop. Your CSV data is processed locally, XML is generated locally, and nothing is ever transmitted to any server. The only network call is an optional auto-update check.
CARFul implements the OECD CARF XML Schema v2.0 (July 2025), the latest version. Pro subscribers receive automatic updates when the OECD releases schema changes.
CARFul auto-detects column mappings from 13+ exchange presets including Coinbase, Binance, Kraken, Gemini, and Bitstamp. It also handles generic CSV formats with manual column mapping.
Big 4 firms charge $300-500/hour for manual CARF preparation. CARFul Pro at $500/month costs less than 2 hours of their time — and it processes your data in seconds, not weeks. You keep full control and can re-run anytime.
CARFul handles missing or unavailable TINs per the CARF specification by generating a NOTIN XML element with the appropriate ReasonCode attribute. Invalid TINs are flagged with specific error messages explaining what's wrong.
Absolutely. The Health Check module is completely free — no account required, no credit card, no strings attached. Download it, scan your CSV, get your compliance grade. If you need to export the corrected XML, upgrade to Pro.
Download the free Health Check. Find every error in your data before you file.
v1.0.0 · No account required · ~116MB
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Last updated: February 24, 2026
Local-First Architecture. CARFul is a desktop application. Your CSV files, transaction data, and generated XML files are processed entirely on your local machine. We do not upload, transmit, or store any of your compliance data on our servers.
What We Collect. When you purchase a CARFul Pro subscription, we collect your email address and payment information (processed securely by Stripe). We use this to deliver your license key and manage your subscription.
Email Communications. We may send transactional emails related to your subscription (license keys, payment receipts, renewal notices). We do not sell or share your email with third parties.
Analytics. Our website may use basic analytics to understand traffic patterns. No personal data from the desktop application is collected.
Data Retention. We retain your email and subscription data for the duration of your account. You can request deletion at any time by contacting hello@carful.app.
Contact. For any privacy-related questions, email us at hello@carful.app.
Last updated: February 24, 2026
Service. CARFul provides a desktop software tool for converting CSV transaction data into CARF-compliant XML files. The free Health Check module validates your data and generates a compliance report. The Pro subscription enables full XML export and additional features.
License. A CARFul Pro subscription grants you a single-user license to use the software on up to two machines. Licenses are non-transferable.
Accuracy Disclaimer. CARFul assists with CARF XML generation and data validation. However, we do not guarantee regulatory acceptance of generated files. You are responsible for verifying compliance with your jurisdiction's requirements. CARFul is not a substitute for professional tax or legal advice.
Payments. Pro subscriptions are billed monthly at $500/month through Stripe. You may cancel at any time. Refunds are available within 14 days of initial purchase.
Availability. We strive to maintain the software and provide schema updates, but do not guarantee uninterrupted service. Desktop functionality works offline and is not dependent on server availability.
Limitation of Liability. CARFul shall not be liable for any penalties, fines, or damages arising from the use of generated XML files. Maximum liability is limited to the amount paid for the subscription in the prior 12 months.
Contact. For questions about these terms, email hello@carful.app.