OMP Domain Profile: Kenya Digital Credit Providers -- CBK NDTCP Regulations 2022 and AI Decision Accountability

This document defines the OMP domain profile for digital credit providers (DCPs) operating under the Central Bank of Kenya Digital Credit Providers Regulations 2022 (CBK NDTCP). It specifies the Intent Class configuration, routing threshold ranges, Watchtower definitions, and Audit Trace extensions required to satisfy per- decision explainability and human oversight evidence requirements for AI-assisted credit decisions under the CBK framework. The Central Bank of Kenya AI Banking Sector Survey (July 2025) found that few institutions using AI for credit decisions have mechanisms for per-decision explainability. The CBK AI Guidance Note, in preparation as of March 2026, will define what adequate AI governance evidence means for all 195 licensed DCPs. This profile specifies the technical architecture that satisfies those requirements. This profile REQUIRES implementation of the core OMP protocol as defined in draft-veridom-omp. All terms and base protocol specifications in that document apply to this profile. This document specifies only the domain parameters.