What is Lerian Consignado — Dataprev?

Lerian Consignado — Dataprev is the native Brazil rail that connects the Lerian platform to Dataprev’s Crédito do Trabalhador program for private-sector payroll loans under Brazilian employment law. It is not the traditional INSS payroll-loan rail. The rail isolates every financial institution as a tenant. Each tenant uses its own Dataprev requester code, OAuth credentials, ICP-Brasil client certificate, operational limits, and data partition.

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What the rail covers

Lerian Consignado implements the integration lifecycle around a payroll loan:

• worker authorization, employment data, eligible FGTS records, and available payroll margin
• loan and portability auctions, bid submission, and proposal evidence
• contract registration, CCB attachment, rail document retrieval, and disbursement confirmation
• suspension, reactivation, term changes, installment anticipation, and exclusion
• refinancing, reversal, renegotiation, portability, and legacy-contract migration
• FGTS guarantee execution
• payroll bookkeeping, CEF repasse reconciliation, employment termination, and operational calendars
• fund registration, assigned-credit visibility, assignment registration, throughput, usage, and delivery subscriptions

The Consignado API reference is the source of truth for request and response schemas on develop.

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Responsibility boundary

Lerian Consignado owns the Dataprev boundary. It authenticates with the rail, validates and sends rail commands, reads Dataprev feeds, preserves rail identifiers, and publishes business facts. The credit engine remains responsible for underwriting, pricing, approval policy, the loan product, and customer communication. Downstream systems remain responsible for ledger postings and accounting decisions. The rail never invents a rate or silently converts a Dataprev result into a credit decision. FGTS guarantee execution is the exception at this boundary: it is an irreversible remote money-path command. The gateway submits it to the configured rail, but downstream systems still own ledger posting and accounting.

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Interfaces

The product exposes three complementary interfaces:

• an authenticated HTTP API for commands and queries
• CloudEvents for business facts and the supported Lender command channel
• scheduled workers for Dataprev feeds, reconciliation, recovery, and proposal evidence

All mutating paths are tenant-scoped. Secret material is stored in the tenant credential store and is never returned by a read operation.