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Core banking should not be a rigid service. It should be a programmable platform. Lerian’s vision is structured around four foundational pillars that work together to provide control, scalability, and long-term architectural flexibility.

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The four pillars of modern Core Banking

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1. Ledger

The ledger is the foundation of any financial system. It manages accounts, balances, and transactions with precision and consistency. Powered by Midaz, our ledger is designed for high throughput, reliability, and operational clarity. Key capabilities:
  • Real-time transaction processing
  • Multi-currency support
  • Immutable audit trails
  • High-performance architecture that scales as transaction volume grows

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2. Transactional services

Transactional services orchestrate how money moves. From instant payments to cards and wire transfers, this layer ensures consistent, secure debit and credit execution across channels and networks. Supported transaction types:
  • Instant payments (PIX, real-time transfers)
  • Card transactions (credit and debit)
  • Wire transfers (domestic and international)
  • Direct debits and scheduled payments

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3. Governance

Governance ensures that growth does not compromise control. This layer integrates compliance, risk management, accounting, and reporting into the operational flow, not as afterthoughts, but as structural components. Governance capabilities:
  • KYC and AML compliance
  • Fraud detection and prevention
  • Regulatory reporting
  • Accounting integration
  • Audit and compliance tooling

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4. Connectivity infrastructure

No core system operates in isolation. Our connectivity infrastructure is designed for seamless integration with external networks, partners, and internal systems, without creating architectural bottlenecks. Integration capabilities:
  • Built for integration — every capability is accessible through standard interfaces
  • Runs on modern cloud infrastructure with automated scaling and recovery
  • Supports multiple communication protocols
  • Real-time data synchronization
  • Secure communication channels

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Why this matters

Traditional core banking platforms are monolithic and difficult to evolve. Lerian’s modular architecture allows institutions to:
  • Adopt components incrementally
  • Integrate with existing systems
  • Scale based on operational demand
  • Avoid vendor lock-in
You stay in control of your architecture, and your roadmap.