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Other literature type . 2026
License: CC BY
Data sources: Datacite
ZENODO
Other literature type . 2026
License: CC BY
Data sources: Datacite
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OMP™ — Operating Model Protocol: A Deterministic Routing Invariant for Tamper-Evident AI Decision Accountability in Regulated Industries

Authors: Adebayo, Tolulope; Festus, Makanjuola; Oluropo, Apalowo;

OMP™ — Operating Model Protocol: A Deterministic Routing Invariant for Tamper-Evident AI Decision Accountability in Regulated Industries

Abstract

Regulated institutions deploying AI face a structural evidence problem: the gap between what their systems claim to do and what they can prove happened at the level of an individual decision. Existing compliance infrastructure addresses this problem observationally — monitoring, dashboards, retrospective reporting — but does not close it structurally. This specification defines the Operating Model Protocol (OMP™), a deterministic routing invariant that classifies every interaction in a regulated operation to exactly one of three outcome states — AUTONOMOUS, ASSISTED, or ESCALATED — and generates a tamper-evident audit trace at the point of every decision. The routing decision is a deterministic function of a composite Confidence Score, Watchtower enforcement evaluations, and domain-specific thresholds. Given identical inputs, the protocol produces identical outputs. This invariance is the architectural basis of the regulatory claim. Each audit trace is sealed using a three-layer cryptographic integrity architecture: SHA-256 content hash, RFC 3161 trusted timestamp from an accredited third-party Timestamp Authority, and institution signature. The chain forms a Merkle structure in which modification of any historical trace invalidates all subsequent chain hashes. Per-decision accountability is therefore verifiable by any third party without access to the institution's or Veridom's infrastructure. The protocol has been independently instantiated across four regulated domains — digital credit under the Kenya CBK NDTCP framework, FCA Consumer Duty, FCA agent distribution oversight, and US legal AI supervision under ABA Rule 5.3 — with the same two invariants holding in each: deterministic classification and immutable audit trail. Domain-specific profiles for digital credit and cooperative lending are published separately.

Keywords

cryptographic, AI accountability, deterministic routing, operating model protocol, SHA-256 Merkle chain, tamper-evident audit trail, per-decision explainability, digital credit, regulated industries, RFC 3161, principal-agent enforcement, CBK NDTCP, FCA Consumer Duty

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selected citations
These citations are derived from selected sources.
This is an alternative to the "Influence" indicator, which also reflects the overall/total impact of an article in the research community at large, based on the underlying citation network (diachronically).
BIP!Citations provided by BIP!
popularity
This indicator reflects the "current" impact/attention (the "hype") of an article in the research community at large, based on the underlying citation network.
BIP!Popularity provided by BIP!
influence
This indicator reflects the overall/total impact of an article in the research community at large, based on the underlying citation network (diachronically).
BIP!Influence provided by BIP!
impulse
This indicator reflects the initial momentum of an article directly after its publication, based on the underlying citation network.
BIP!Impulse provided by BIP!
0
Average
Average
Average
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