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This guide walks through the main features of the Credit Intelligence platform and how to use them day to day.
The platform is in beta. We welcome feedback as we build out the platform for municipal credit research. Reach us at team@terrapinfinance.com or through the chat bubble in the corner of any page.

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Where you land

After signing in you land on terrapinfinance.com/platform/securities. The sidebar on the left groups the platform into three sections. Click the logo at the top to collapse the sidebar to icons and give the page more room.

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Screeners

Search the whole municipal universe. All four pages share the same filter bar: add the filters you want from the funnel menu, and results update as you go. See Screeners.
  • Securities: browse securities by issuer, state, sector, rating, tax status, and other reference fields.
  • Obligors: find an obligor by name, county, CUSIP or series, starting from the ones you already work on.
  • Trades: browse recent MSRB trades.
  • Documents: browse official statements and continuing disclosures, with each filing’s takeaways and sentiment in the list.

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Coverage

Everything scoped to a watchlist.
  • Watchlists: groups of CUSIPs and entities, usually organized by sector or theme, that you want to monitor or process at scale. See Watchlists.
  • Data Tables: a prompt-driven workspace that pulls a comparable matrix of metrics (revenue, debt service, DSCR, and so on) across every entity in a watchlist. See Data Tables.
  • Tear Sheets: narrative credit write-ups driven by saved instructions, run on a few entities first, then extended across a watchlist. See Tear Sheets.
  • Surveillance: a cross-watchlist event feed for everything happening on your watchlists. See Surveillance.

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Chat

  • Deep Dive: AI credit analysis. Open a chat against any mix of securities, obligors and documents and ask free-form questions. See Deep Dive.
  • Skills: instructions you save once and reuse. Type / in a Deep Dive question to add one. See Skills.

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The header bar

Every page shares the same header:
  • A search box for jumping to a security or an obligor. Press / anywhere outside a text box to focus it.
  • A bell that lists activity as it completes, such as a finished extraction.
  • Platform Updates, where new features are announced.
  • My account, for organization details, billing, team members, API keys, and this month’s usage.
The User Guide link at the bottom of the sidebar opens these pages.

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Platform credits

Deep Dive, Tear Sheets and Data Tables draw on your organization’s platform credits, charged by the work each request takes rather than a flat amount per run. A short question or a small extraction costs less than a long one, a run that fails is not charged, and work you cancel before it finishes is refunded. Each Deep Dive answer, tear sheet and data-table entity shows the credits it used, and the Run window for tear sheets and data tables estimates the cost before you start. Usage this month under My account shows how much your organization has used and when it resets.

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Security and obligor pages

Two pages sit behind almost every CUSIP and entity name in the platform, and you can open them from search, from any table row, or from a Deep Dive session header.
  • A security page covers one CUSIP: reference data up top, then tabs for the rest of its series, price history, cashflows, documents, Moody’s and S&P rating history, liquid peers, news and corporate actions. The reference data includes the obligor’s sector and subsector, the pledges that secure repayment in priority order (for example unlimited tax GO, or lease appropriation), and the instrument form.
  • An obligor page covers everything one obligor issues: its bonds grouped by series, its filings, and any tear sheets and data tables your organization has run on it. You can start a new tear sheet or data table for that obligor directly from the page, and add documents of your own to its filings.
The Corporate Actions tab maps how a bond relates to its parents and children: the splits, calls, defeasances and consolidations recorded against each one, every bond that was exchanged into it, and tender offer results with the amount accepted and the purchase price. Expand any bond in the graph to see its full event history.

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Uploading documents to an obligor

On an obligor page, the Filings tab has an Upload documents button. Pick a PDF, give it a name and a category, and confirm. It joins that obligor’s filings for everyone in your organization, marked Uploaded, and never counts against your filing download allowance. From then on, every Data Table and Tear Sheet covering the obligor reads it automatically: ones already extracted for that obligor are re-extracted to include it, and it is ticked by default when you create a new one. New Deep Dive sessions on the obligor start with it too. To keep it out of one data table or tear sheet, untick it in that run’s documents. To remove it everywhere, click the trash icon on its row; tear sheets and data tables go back to their results from before it.

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Where to start

  1. Read Deep Dive overview to understand the core research loop.
  2. Try a session on a CUSIP you already know. The Sessions page walks through the UI.
  3. Once a question is worth asking of many credits, build a watchlist and point Tear Sheets or Data Tables at it.
  4. For end-to-end recipes, see Common workflows.