> ## 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.

# What is Midaz?

> Learn what Midaz is, key features, and when to use it for your financial system

export const GAccountType = ({children}) => <Tooltip headline="Account Type" tip="A classification defining the nature and purpose of an account — such as checking, savings, escrow, or settlement — enabling proper transaction routing." cta="See glossary" href="/en/glossary">
    {children}
  </Tooltip>;

export const GPix = ({children}) => <Tooltip headline="Pix" tip="Brazil's instant payment system operated by the Central Bank (BACEN), enabling real-time transfers 24/7 between individuals, businesses, and government entities." cta="See glossary" href="/en/glossary">
    {children}
  </Tooltip>;

export const GReconciliation = ({children}) => <Tooltip headline="Reconciliation" tip="The process of comparing two sets of records — for example, your internal ledger against bank statements — to verify they match and flag discrepancies." cta="See glossary" href="/en/glossary">
    {children}
  </Tooltip>;

export const GAuditTrail = ({children}) => <Tooltip headline="Audit trail" tip="A chronological, immutable record of every action and transaction in the system — essential for regulatory compliance and dispute resolution." cta="See glossary" href="/en/glossary">
    {children}
  </Tooltip>;

export const GTransactionRoute = ({children}) => <Tooltip headline="Transaction Route" tip="A complete transaction blueprint composed of multiple Operation Routes — defining all the debits and credits involved in a transaction type, ensuring double-entry compliance every time." cta="See glossary" href="/en/glossary">
    {children}
  </Tooltip>;

export const GAsset = ({children}) => <Tooltip headline="Asset" tip="A unit of value tracked in the ledger — traditional currencies (BRL, USD), digital currencies (BTC), or custom units like loyalty points. Every account is linked to exactly one asset." cta="See glossary" href="/en/glossary">
    {children}
  </Tooltip>;

export const GSegment = ({children}) => <Tooltip headline="Segment" tip="A classification applied to accounts that share characteristics — like customer tiers (VIP, Student) or regional divisions — enabling differentiated rules and pricing." cta="See glossary" href="/en/glossary">
    {children}
  </Tooltip>;

export const GPortfolio = ({children}) => <Tooltip headline="Portfolio" tip="A grouping of accounts belonging to the same customer, business unit, or purpose — tying together checking, savings, and investment accounts for a unified view." cta="See glossary" href="/en/glossary">
    {children}
  </Tooltip>;

export const GSettlement = ({children}) => <Tooltip headline="Settlement" tip="The process of finalizing a financial transaction — transferring actual funds between institutions. Settlement accounts act as clearing points where money is held temporarily before reaching its final destination." cta="See glossary" href="/en/glossary">
    {children}
  </Tooltip>;

export const GSourceAvailable = ({children}) => <Tooltip headline="Source-available" tip="A licensing model where the source code is publicly accessible for inspection, modification, and self-hosting, while certain commercial uses may require a license." cta="See glossary" href="/en/glossary">
    {children}
  </Tooltip>;

export const GDoubleEntry = ({children}) => <Tooltip headline="Double-entry accounting" tip="Every financial movement is recorded as at least two operations: a debit from one account and a credit to another, ensuring the system always balances." cta="See glossary" href="/en/glossary">
    {children}
  </Tooltip>;

export const GLedger = ({children}) => <Tooltip headline="Ledger" tip="The core financial book that records all transactions, balances, and operations for an organization — the single source of truth for a business unit's finances." cta="See glossary" href="/en/glossary">
    {children}
  </Tooltip>;

**Midaz** is Lerian's <GSourceAvailable>source-available</GSourceAvailable> core <GLedger>ledger</GLedger> 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](https://github.com/LerianStudio/midaz).

You configure your financial structure once — organizations, ledgers, accounts, and transaction rules. Midaz handles the rest: <GDoubleEntry>double-entry accounting</GDoubleEntry>, balance tracking, <GAuditTrail>audit trails</GAuditTrail>, and event-driven integrations.

## 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 <GAuditTrail>audit trails</GAuditTrail>, 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 <GTransactionRoute>transaction templates</GTransactionRoute> 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

***

<AccordionGroup>
  <Accordion title="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.
  </Accordion>

  <Accordion title="Global portfolios">
    Manage multi-currency accounts for international customers. Each currency gets its own <GAsset>asset</GAsset> accounts while <GPortfolio>portfolios</GPortfolio> tie everything together for a unified customer view.
  </Accordion>

  <Accordion title="Pix and instant payments">
    Offer <GPix>Pix</GPix> 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.
  </Accordion>

  <Accordion title="Marketplace payouts">
    Handle complex multi-party <GSettlement>settlements</GSettlement> where a single payment splits into seller payouts, platform fees, and tax withholdings — all processed atomically as one transaction.
  </Accordion>

  <Accordion title="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.
  </Accordion>
</AccordionGroup>

## How Midaz works

***

<Steps>
  <Step title="Structure">
    Create your Organization, Ledgers, Assets, and <GAccountType>Account Types</GAccountType> to reflect your business model.
  </Step>

  <Step title="Onboard">
    Set up customer <GPortfolio>Portfolios</GPortfolio> and Accounts. Group them into <GSegment>Segments</GSegment> for differentiated rules and pricing.
  </Step>

  <Step title="Define rules">
    Configure Transaction Routes and Operation Routes to enforce how money moves — including validations, fees, and double-entry compliance.
  </Step>

  <Step title="Transact">
    Process transactions through the API. Midaz handles balance updates, operation creation, and audit logging atomically.
  </Step>

  <Step title="React">
    Enable event publishing to trigger downstream systems — notifications, analytics, compliance workflows — the moment a transaction completes.
  </Step>

  <Step title="Report">
    Use Reporter to generate regulatory and business reports from your ledger data, or query balances and transactions directly via the API.
  </Step>
</Steps>

## 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](/en/matcher/what-is-matcher)    | Optional: <GReconciliation>Reconcile</GReconciliation> ledger transactions against external data sources |
| [Reporter](/en/reporter/what-is-reporter) | Optional: Generate regulatory and business reports from ledger data                                      |
| [Flowker](/en/flowker/what-is-flowker)    | Optional: Orchestrate pre-ledger validation workflows (anti-fraud, approvals)                            |
| [Tracer](/en/tracer/what-is-tracer)       | Optional: Real-time transaction validation and spending controls                                         |

<Note>
  Midaz works independently or as part of the Lerian ecosystem. Use it alone or connect it to other Lerian products as your needs evolve.
</Note>

## Next steps

***

<CardGroup cols={2}>
  <Card title="About Midaz" icon="book" href="/en/midaz/about-midaz">
    Understand Midaz's domains, entities, and how they relate to each other.
  </Card>

  <Card title="Quick start" icon="rocket" href="/en/midaz/midaz-setup">
    Install and configure Midaz to start building your financial infrastructure.
  </Card>

  <Card title="Use cases" icon="lightbulb" href="/en/midaz/use-cases">
    Explore detailed use cases for banking, global portfolios, Pix, and more.
  </Card>

  <Card title="Explore the Midaz API" icon="terminal" href="/en/reference/quick-start-guide">
    Browse endpoints, request/response schemas, and try the API directly.
  </Card>
</CardGroup>
