Glossary - Lerian

Quick reference for terms and acronyms used in the Bank Transfer plugin documentation.

Regulatory and infrastructure terms

Term	Definition
BACEN	Banco Central do Brasil — the Central Bank of Brazil. Regulates the financial system and operates SPB.
SPB	Sistema de Pagamentos Brasileiro — Brazil’s Payment System, the infrastructure for all interbank settlements.
STR	Sistema de Transferência de Reservas — Reserve Transfer System, the real-time settlement component of SPB.
RSFN	Rede do Sistema Financeiro Nacional — the secure national financial network connecting BACEN and financial institutions.
PSTI	Provedor de Serviço de Tecnologia da Informação — an IT service provider authorized by BACEN to operate RSFN connectivity infrastructure. JD Consultores is a PSTI.
ISPB	Identificador de Sistema de Pagamentos Brasileiro — 8-digit code that uniquely identifies each financial institution in SPB.
STR0008	The BACEN message format for initiating a TED transfer. Sent from the originating institution to SPB.
STR0008R1	The settlement result of an STR0008 that the plugin sent.
STR0008R2	An incoming TED. The plugin credits a TED IN from it.
STR0010 / STR0010R2	STR0010 returns a received TED to the origin bank. STR0010R2 is a return that the plugin receives: for a TED OUT it is a devolution, for a TED IN it is a chargeback.
Devolução / `devolutionCode`	Return of a TED. When a previously-sent TED OUT is returned (STR0010R2), the plugin records a new TED IN refund that carries the BACEN reason code (`devolutionCode`) and an `originalTransferId` linking back to the original TED OUT.
JD / JD SPB	JD Consultores — the PSTI used by Lerian to route TED messages to SPB.
JD parse failure	Inbound JD message that the plugin could not parse (malformed XML or schema mismatch). The plugin keeps it for operator triage. Distinct from undeliverable transfers and from the webhook DLQ.
NumCabSeq	Sequential message identifier assigned by JD SPB to each STR0008 submission. Used to track and query transfer status.
NumCtrlSTR	BACEN clearing control number assigned by STR (the Reserve Transfer System) once a message is accepted into the SPB clearing flow. Distinct from `NumCabSeq`, which is the JD-assigned message sequence on submission.

Account type codes (ISO 20022)

Code	Account Type
CACC	Current account (conta corrente) — most common type
CPAY	Payment account (conta de pagamento)
SLRY	Salary account (conta salário)
SVGS	Savings account (conta poupança)

Transfer types

Term	Definition
TED OUT	Outbound transfer — your client sends funds to an account at another bank.
TED IN	Inbound transfer — your institution receives funds from another bank, automatically detected and credited.
P2P	Internal transfer — between two accounts at the same institution (same ISPB), in the same Midaz organization and ledger.
D+0	Same-day settlement. The plugin accepts TED OUT only inside the operating window, 06:30 to 17:00 Brasília time by default.

Plugin-specific terms

Term	Definition
PaymentInitiation	The entity created by `POST /v1/transfers/initiate`. Holds the fee calculation. It expires after 24 hours, or for TED OUT at the close of that day’s operating window.
initiationId	UUID returned by the initiate endpoint. Required to confirm a transfer via `POST /v1/transfers/process`.
X-Idempotency	Required header on transfer writes. The plugin stores a successful response under the key and replays it for 7 days. The plugin rejects a repeat request that reuses the key with a different body (`422 BTF-0017`).
Cashin fee	Fee deducted from a received TED IN amount. Configured per organization via Fees Engine.
Cashout fee	Fee added to a TED OUT amount. The sender’s account is debited for amount + fee.
Reconciliation	Process to match transfers in unknown state (PROCESSING with no confirmation) against JD SPB records.
DLQ	Webhook dead-letter queue — outbound webhook notifications that cannot be delivered after all retries are moved here for manual review.
Signing artifact	Canonical TED OUT payload frozen during `POST /v1/transfers/signing/prepare`. Consumed by external HSM/signer integrations to produce a detached signature without the plugin holding the private key.
Systemplane	Runtime-config admin plane exposed via `/system/:namespace` and `/system/:namespace/:key`. Holds hot-reloadable settings that take effect without a redeploy. Distinct from bootstrap environment variables, which are read only at startup.
Undeliverable transfer	Inbound TED that the plugin parsed but could not credit. The plugin returns it to the origin bank. When the recipient is not found and automatic returns are off, the plugin retains it for an operator instead. Distinct from a JD parse failure and from the webhook DLQ.