OpenChainGraph Suite · CONTRACT A3 · arch #5

FCA BNPL Digital Private Credit

FCA DPC scope classification > DPC creditworthiness assessment > consumer duty DPC mapping — composite FCA BNPL/DPC mandate.

OpenChainGraph · 3 Steps compliance mandate Hash-Anchored §4 chain_depth:3 Client-Side · Zero PII
Chain Topology — Fca Dpc Scope Classifier → Fca Dpc Creditworthiness Assessment Builder → Fca Consumer Duty Dpc Mapper
§4 Execution Hash · Chain Definition Anchor
execution_hash:computing…
Market Rationale
Buyer: BNPL Provider / Digital Lender seeking FCA authorisation
Forcing function: FCA BNPL regulation CP24/23 2025; DPC regime Consumer Duty integration
Chain Stages · 3 Steps
1 ROOT · D0 catalog
Fca Dpc Scope Classifier 329-fca-dpc-scope-classifier
dpc_scope and authorisation_requirements feed Stage 2 creditworthiness assessment
↓
2 D2 catalog
Fca Dpc Creditworthiness Assessment Builder 330-fca-dpc-creditworthiness-assessment-builder
creditworthiness_methodology and affordability_checks feed Stage 3 consumer duty mapping
↓
3 TERMINAL · D3 catalog
Fca Consumer Duty Dpc Mapper 331-fca-consumer-duty-dpc-mapper
consumer_duty_obligations and composite_dpc_mandate — final FCA BNPL/DPC mandate
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.