OpenChainGraph Suite · CONTRACT A3 · arch #5

BNPL Programme — FCA Regulation

Note (dated 2026-08-04): a chain composes independent computations performed in an analytical order. No step's output is carried into the next step by the execution model; each step computes from its own declared inputs. This is true of every chain on this site, including chains whose per-step copy below reads as a data handoff.

FCA BNPL readiness > affordability modelling > APR calculation > disclosure templates > arrears & collections policy.

OpenChainGraph · 5 Steps compliance mandate Hash-Anchored §4 chain_depth:5 Client-Side · Zero PII
Chain Topology — Bnpl Fca Readiness Checker → Bnpl Affordability Assessment Modeller → Bnpl Apr Calculator → Bnpl Disclosure Template Generator → Bnpl Arrears Collections Checker
§4 Execution Hash · Chain Definition Anchor
execution_hash:computing…
Chain Stages · 5 Steps
1 ROOT · D0 catalog
Bnpl Fca Readiness Checker 187-bnpl-fca-readiness-checker
readiness_score and gap_list feed Stage 2 affordability model
↓
2 D2 catalog
Bnpl Affordability Assessment Modeller 190-bnpl-affordability-assessment-modeller
affordability_result and repayment_schedule feed Stage 3 APR calc
↓
3 D3 catalog
Bnpl Apr Calculator 193-bnpl-apr-calculator
representative_apr and total_charge feed Stage 4 disclosure templates
↓
4 D4 catalog
Bnpl Disclosure Template Generator 191-bnpl-disclosure-template-generator
pcci_template and summary_box feed Stage 5 arrears assessment
↓
5 TERMINAL · D5 catalog
Bnpl Arrears Collections Checker 192-bnpl-arrears-collections-checker
Exports composite BNPL programme Policy Mandate, final stage
▶ Run this chain (live) browser · real execution · composite §4 hash
Export Artifacts
Download the §4 chain definition artifact (hash-anchored composite JSON) or the §13.11 W3C Verifiable Credentials view. Both derive from the chain definition — no new hash is minted. Available after hash computation.