Credit, from product to payoff.

What is included

One journey, one history.

• Credit products

  A product catalogue with immutable versions of the terms: a fixed rate or a floating table, the term, charges, and the accounting profile that says how the product books into the ledger. Every contract points at the exact version it was originated under; new terms are a new version, never an edit.

• Origination

  An application received, approved, declined, or withdrawn, with the decision on record. A preview of the schedule and of the mandatory disclosures before any commitment. Disbursement recorded with the schedule and the accounting intent in the same transaction.

• Loan servicing

  The schedule, installments, charges, and transactions of an active contract. A payment allocated from the oldest installment to the newest, previewed before it is recorded; partial or full early payoff; the balance rescheduled after a renegotiation.

• Corrections that erase nothing

  No correction edits the past. A reversal is a compensating entry; a replay rebuilds the state from the history. The contract's timeline stays intact and auditable.

• Accounting in the ledger

  Double-entry rules per event — disbursement, interest accrual, an early payoff settled — written down as durable intent and delivered to Midaz asynchronously and idempotently. Monthly accrual as a routine: once per contract, per accounting period, per amount type.

• Brazil regulatory pack

  CET, the total effective cost of credit, recorded at origination; a preview of IOF, the federal tax on credit operations; capitalization consent with an integrity check; PDD loan-loss provisioning stages; early-payoff quotes; CDC caps on Brazilian consumer credit enforced by refusal; and the Brazilian business-day calendar.

• Private-sector payroll lending

  Private-sector payroll-deducted lending, over the Dataprev connection: available deduction capacity, payroll-deduction registration, FGTS collateral, refinancing, portability, and payout. The contracted terms come in as they arrived from the institution's own credit engine; Lender does not reprice.

• Portfolio, assignment, and audit

  A portfolio and arrears dashboard. Receivables assigned to funds with eligibility, approved pools, file exchange, and every external fact recorded as evidence. An immutable audit trail of every contract event.