> ## Documentation Index
> Fetch the complete documentation index at: https://docs.lerian.studio/llms.txt
> Use this file to discover all available pages before exploring further.

# Native rail journeys

> Business journeys that run on Lerian's native messaging with BACEN and Núclea, and the rule that the regulator's manuals prevail.

These journeys run on Lerian's native messaging, which connects your institution directly to BACEN and to Núclea over RSFN. One journey often crosses several rails: a card receivable, for example, moves through SLC, SILOC and STR. Each diagram has a Lerian column. A row between your institution and that column shows the endpoint or the event your institution uses, unless the step is pending, and the step table links each endpoint to the API reference.

## The manual prevails

***

* **Source.** The official manuals of BACEN and of the market infrastructures (Núclea, B3, Selic) define each message, its fields and its cut-off times. A manual does not define the order between messages, so the order shown here is a suggested reading.
* **Conflicts.** If this site and a manual disagree, the manual prevails.
* **Responsibility.** Your institution is the participant. It validates each flow against the manuals in force and decides how to apply it to its operation.
* **Support.** Lerian supports its own products and APIs. Advice on applying the manuals to your operation is a separate service: Lerian offers workshops and consulting by proposal. Contact your Lerian account team.

## Journeys

***

**Secured credit**

* [Register receivables as collateral](/en/diagrams/native-rails/register-receivables-collateral): How a contract effect on card receivables is registered, and how the settlement reaches your institution through Lerian.
* [Receive card receivables at the domicile](/en/diagrams/native-rails/receive-receivables-at-domicile): How a card receivable is paid into the borrower's account at your institution through the SLC cycle and Lerian.
* [Settle anticipated receivables in real time](/en/diagrams/native-rails/settle-anticipated-receivables): How a receivable that the acquirer anticipated is settled one operation at a time, outside the net cycle, through Lerian.
* [Collect trade bills and boletos](/en/diagrams/native-rails/collect-trade-bills-and-boletos): How the payment of a boleto linked to a trade bill reaches your institution through the SILOC collection cycle and Lerian.

**Payments**

* [Send and receive Pix](/en/diagrams/native-rails/send-and-receive-pix): A Pix payment from your institution through SPI, with Lerian SPI and Pix Lerian.
* [Send and receive TED](/en/diagrams/native-rails/send-and-receive-ted): A TED transfer from your institution through STR, with Lerian SPB and TED Lerian.

**Settlement and daily operation**

* [Pay the net debit position](/en/diagrams/native-rails/pay-the-net-debit-position): How a settlement bank pays its net debit in the multilateral SLC cycle through Lerian.
* [Recalculate after a default](/en/diagrams/native-rails/recalculate-after-a-default): What happens in the SLC cycle, and through Lerian, when a participant with a net debit does not pay in full.
* [Settle within the same bank](/en/diagrams/native-rails/settle-within-the-same-bank): How Núclea settles an operation when the debtor and the creditor use the same settlement bank, without the STR, and how you answer through Lerian.


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