Core banking you assemble, not core banking you rent.
From the double-entry ledger to Pix settled directly at BACEN. Six independent blocks, seven native rails, one stack that runs in your cloud.
- midaz
- double-entry ledger · source-available (ELv2)
- tracer
- ALLOW / DENY / REVIEW decision in <100ms, before the entry is booked
- rails
- SPI · SPB · SILOC · SLC · STA · SISBAJUD · Dataprev
your application
BACEN · RSFN — Lerian messaging, no third-party gateway
Your own accounts, transfers and Pix: Tracer decides, Midaz records, SPI settles at BACEN.
your application
BACEN · RSFN — Lerian messaging, no third-party gateway
A multi-party split in a single transaction: seller, commission, shipping and withholdings settle together — or nothing settles.
your application
BACEN · RSFN — Lerian messaging, no third-party gateway
From proposal to averbação — the payroll registration at Dataprev — in a single engine, with every event booked in the ledger.
01
Ledger
Double-entry accounting, immutable audit trail.
02
Transactional Services
Reconciliation, real-time validation, orchestration, credit.
03
Governance
Regulatory reporting, spend control, multi-tenancy.
04
Connectivity
Pix, TED and the BACEN rails — direct, no intermediary.
Four pillars, six blocks, one ledger.
see the platform →Every block is a service. Start with one.
all products →
MidazELv2The double-entry ledger — the accounting core of the platform.POST /v1/transactions
MatcherlicensedAutomatic reconciliation across any data sources.POST /v1/reconciliations
ReporterlicensedRegulatory, accounting and operational reports from templates.POST /v1/reports
TracerlicensedReal-time transaction validation, answered in under 100 ms.POST /v1/decisions
FlowkerlicensedOrchestration of financial workflows, before and after the ledger.POST /v1/workflows/:id/run
LenderlicensedComplete credit journeys, from origination to settlement.POST /v1/loans
Seven native rails. Zero intermediaries.
Lerian-owned messaging over the RSFN, the private network institutions use to reach Brazil's central bank: your institution's messages travel on Lerian software all the way to the BACEN networks. One less contract, one less SLA, one less point of failure in the money path.
message path
| rail | what travels on it | infrastructure |
|---|---|---|
| SPI | Pix direct: a participant in the scheme itself, with no intermediary technology provider (PSTI). | Pix · BACEN |
| SPB | TED and STR: interbank transfers and real-time gross settlement. | TED · STR |
| SILOC | TEC and boletos (Brazilian bank slips): deferred settlement of interbank obligations. | Nuclea |
| SLC | Settlement for the card networks. | Nuclea |
| STA | File and information exchange with BACEN. | BACEN |
| SISBAJUD | Court-ordered asset freezes and releases, automated. | the courts |
| Consignado | Private-sector consignado — payroll-deducted lending — integrated with Dataprev. | Dataprev |
partner interfaces — in production today
- Direct Pix · JDDirect participant, through a certified technology provider (PSTI).
- Indirect Pix · BTGIndirect participant in the scheme.
- TED · JDTransfers on the same business day.
Reference architectures, not case studies.
the problem · the build · what you get
- 01Full digital bankYour own accounts, transfers and Pix without months wiring separate systems together.midaz · tracer · flowker · spi · spb · reporter
- 02Embedded finance / BaaSSeveral brands on one base, with full isolation per tenant.midaz multi-tenant · flowker · plugins · reporter
- 03MarketplaceA multi-party split that settles atomically, and per-seller balances in the ledger.midaz · flowker · tracer · spi · matcher
- 04Acquiring and sub-acquiringMDR, network, acquirer and the merchant's net, each with its own entry.midaz · matcher · flowker · tracer · spi · spb · lender
Your stack, your data, your cloud.
BYOC in your own AWS, GCP or on-prem — or Lerian Cloud, with an enterprise SLA. The core is source-available: if Lerian disappears tomorrow, the code is still yours.
- Community
- Midaz under ELv2, Helm charts and Terraform. Free, self-managed.
- Enterprise
- The full platform, Console, Lifecycle Management, SLA. BYOC or Lerian Cloud.
$ helm install midaz lerian/midaz
→ ledger ok double entry
→ tracer ok p99 78ms
→ rails ok spi · spb · siloc
→ done. your core is live
Who builds your infrastructure.
“Financial infrastructure doesn't prove itself on a good day. It proves itself at 3am, when the regulator calls, when volume doubles without warning.”
who builds it
Founded and run by the people who built the first BaaS in Latin America, with time at Deutsche Bank, BTG Pactual and Uber — teams that moved real money, at scale, under regulatory pressure.
Build your core, your way.
No sales deck, architecture on the table. The people who answer are the people who build the platform.