Skip to main content
Lerian Consignado — Dataprev is the Lerian rail that connects the platform’s credit engine to Dataprev’s Crédito do Trabalhador — the CLT private-sector payroll-loan program established by Portaria MTE 435/2025. It is distinct from the legacy INSS consignado: the Crédito do Trabalhador covers formally employed private-sector workers. The rail is a thin, sink-agnostic gateway. It fetches a worker’s available payroll margin from Dataprev, registers (averba) signed contracts, runs the 24-hour auction through which lenders fund a worker’s loan request, and reconciles the Caixa Econômica Federal (CEF) D+2 repasses that settle paid installments. It serves financial institutions originating trabalhador payroll loans, and it is multi-tenant with full per-institution isolation.

​
What it does — and does not — do

  • It is the integration boundary between the platform’s credit engine and Dataprev’s Crédito do Trabalhador. It fetches margin, registers signed contracts, runs the loan auction, and reconciles settlement — reporting each outcome back as a business fact.
  • It holds no credit logic. Deciding whether to lend, at what rate, and to whom lives on the credit engine. This rail executes the Dataprev-facing steps and relays the rail’s own result codes rather than deciding them.
  • It owns no money movement. It makes no direct ledger postings; the facts it emits let downstream systems originate loans and reconcile settlement in their own records.
  • It is sink-agnostic. It emits its results to a transactional outbox and owns no per-destination routing — a downstream streaming hub decides which system receives each fact.
  • It is multi-tenant from the ground up: each financial institution is a tenant with its own credentials and its own isolated data.

​
Who it serves

Lerian Consignado — Dataprev serves banks and financial institutions that originate payroll loans under the Crédito do Trabalhador (CLT) program. Each institution is a tenant with its own ICP-Brasil certificate and OAuth2 credentials, isolated from every other institution on the deployment.

​
Glossary

TermMeaning
Crédito do TrabalhadorThe CLT private-sector payroll-loan program (Portaria MTE 435/2025), distinct from the legacy INSS consignado.
AverbaçãoRegistration of a signed payroll-loan contract to authorize the payroll deduction.
Margem consignávelThe worker’s available payroll margin that a loan may consume.
EscrituraçãoThe per-contract record of the averbado installment.
RepasseThe transfer that settles a paid payroll installment to the lending institution.
LeilãoThe 24-hour auction in which lenders bid to fund a worker’s loan request.
CET (Custo Efetivo Total)The borrower’s all-in effective cost; the auction winner is the lowest annual CET.
CompetênciaThe yyyyMM payroll reference month.
For how Lerian Consignado — Dataprev sits alongside the other native rails and the provider interfaces, see Native Messaging.