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Midaz is Lerian’s core that powers modern financial infrastructure — from account management and transaction processing to multi-currency operations and compliance reporting. The source code is publicly available on GitHub. You configure your financial structure once — organizations, ledgers, accounts, and transaction rules. Midaz handles the rest: , balance tracking, , and event-driven integrations.

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Why use Midaz

Building financial systems on legacy cores means dealing with rigid schemas, vendor lock-in, and slow release cycles. Every new product or regulation requires months of integration work. Midaz solves this:
  • Own your ledger: Source-available means full transparency, customization, and no vendor lock-in
  • Move fast: Modular architecture lets you add products and integrations without re-architecting
  • Stay compliant: Immutable , double-entry enforcement, and regulatory-ready reporting out of the box
  • Scale confidently: From thousands to millions of transactions per day, scaling horizontally without downtime

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What Midaz does

  • Central ledger: Real-time account and transaction management with double-entry guarantees
  • Multi-currency support: Manage traditional currencies, digital assets, and loyalty points in the same ledger
  • Accounting Routes: Define reusable that enforce business rules automatically
  • Automated triggers: Respond to transactions in real time — trigger notifications, compliance workflows, or analytics feeds
  • Plugin ecosystem: Extend with Pix, TED, and more — or build your own

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Built for every financial player

  • Fintechs: Power digital wallets, credit platforms, and embedded finance products
  • Banks: Modernize legacy systems incrementally without full migration risk
  • Enterprises: Streamline payments, collections, and reconciliation across business units

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Common use cases

Launch checking accounts, savings products, and instant transfers. Structure your accounts with portfolios per customer, enforce business rules through transaction routes, and generate compliance reports automatically.
Manage multi-currency accounts for international customers. Each currency gets its own accounts while tie everything together for a unified customer view.
Offer connectivity with automated fee management. Combine Midaz’s ledger and Fees Engine with the Pix plugin to process instant payments, calculate fees, and maintain settlement accounts — all in real time.
Handle complex multi-party where a single payment splits into seller payouts, platform fees, and tax withholdings — all processed atomically as one transaction.
Use Midaz beyond finance: track academic credits, supply chain materials, loyalty points, or carbon credits. Any domain that needs immutable, auditable tracking of units of value.

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How Midaz works

1

Structure

Create your Organization, Ledgers, Assets, and to reflect your business model.
2

Onboard

Set up customer and Accounts. Group them into for differentiated rules and pricing.
3

Define rules

Configure Accounting Routes and Operation Routes to enforce how money moves — including validations, fees, and double-entry compliance. (Accounting Routes are exposed as transactionRoute in the API.)
4

Transact

Process transactions through the API. Midaz handles balance updates, operation creation, and audit logging atomically.
5

React

Enable event publishing to trigger downstream systems — notifications, analytics, compliance workflows — the moment a transaction completes.
6

Report

Use Reporter to generate regulatory and business reports from your ledger data, or query balances and transactions directly via the API.

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Integrations with the Lerian ecosystem

Midaz is a stand-alone product that can optionally integrate with other components of the Lerian ecosystem.
Midaz works independently or as part of the Lerian ecosystem. Use it alone or connect it to other Lerian products as your needs evolve.

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Next steps

About Midaz

Understand Midaz’s domains, entities, and how they relate to each other.

Quick start

Install and configure Midaz to start building your financial infrastructure.

Use cases

Explore detailed use cases for banking, global portfolios, Pix, and more.

Explore the Midaz API

Browse endpoints, request/response schemas, and try the API directly.