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
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
- Transaction routing: 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, CRM, Fee Engine, and more — or build your own
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
Common use cases
Digital banking
Digital banking
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.
Global portfolios
Global portfolios
Manage multi-currency accounts for international customers. Each currency gets its own accounts while tie everything together for a unified customer view.
Pix and instant payments
Pix and instant payments
Offer connectivity with automated fee management. Combine Midaz’s ledger with the Pix plugin and Fee Engine to process instant payments, calculate fees, and maintain settlement accounts — all in real time.
Marketplace payouts
Marketplace payouts
Handle complex multi-party where a single payment splits into seller payouts, platform fees, and tax withholdings — all processed atomically as one transaction.
Non-financial ledgers
Non-financial ledgers
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.
How Midaz works
Define rules
Configure Transaction Routes and Operation Routes to enforce how money moves — including validations, fees, and double-entry compliance.
Transact
Process transactions through the API. Midaz handles balance updates, operation creation, and audit logging atomically.
React
Enable event publishing to trigger downstream systems — notifications, analytics, compliance workflows — the moment a transaction completes.
Integrations with the Lerian ecosystem
Midaz is a stand-alone product that can optionally integrate with other components of the Lerian ecosystem.
| Product | Integration |
|---|---|
| Matcher | Optional: ledger transactions against external data sources |
| Reporter | Optional: Generate regulatory and business reports from ledger data |
| Flowker | Optional: Orchestrate pre-ledger validation workflows (anti-fraud, approvals) |
| Tracer | Optional: Real-time transaction validation and spending controls |
Midaz works independently or as part of the Lerian ecosystem. Use it alone or connect it to other Lerian products as your needs evolve.
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.