> ## 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 Lerian Consignado — Dataprev?

> Lerian's rail linking the platform's credit engine to Dataprev's Crédito do Trabalhador — the CLT payroll-loan program — by fetching payroll margin, registering signed contracts, running the loan auction, and reconciling settlement.

**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

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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

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| Term                          | Meaning                                                                                                        |
| ----------------------------- | -------------------------------------------------------------------------------------------------------------- |
| **Crédito do Trabalhador**    | The CLT private-sector payroll-loan program (Portaria MTE 435/2025), distinct from the legacy INSS consignado. |
| **Averbação**                 | Registration of a signed payroll-loan contract to authorize the payroll deduction.                             |
| **Margem consignável**        | The worker's available payroll margin that a loan may consume.                                                 |
| **Escrituração**              | The per-contract record of the averbado installment.                                                           |
| **Repasse**                   | The transfer that settles a paid payroll installment to the lending institution.                               |
| **Leilão**                    | The 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.                             |
| **Competência**               | The `yyyyMM` payroll reference month.                                                                          |

For how Lerian Consignado — Dataprev sits alongside the other native rails and the provider interfaces, see [Native Messaging](/en/rails/native/native-messaging).