What “native” means
A provider interface reaches a rail through another institution’s infrastructure — your traffic rides on a connectivity provider’s systems. A native connection removes that intermediary: your institution’s messages travel on Lerian-owned software straight to BACEN’s networks (over the RSFN) and the market infrastructures that clear and settle Brazilian payments. One less dependency in the money path, and full alignment with the platform principle that clients own their stack.
The family
Native Messaging spans seven rails. Each one speaks the messaging contract of a specific Brazilian settlement or clearing system:
| Rail | System | What it moves |
|---|---|---|
| Lerian SPB | Sistema de Pagamentos Brasileiro | TED and STR messaging — large-value interbank transfers settled in real time |
| Lerian SPI | Sistema de Pagamentos Instantâneos | Pix — instant payments settled directly in BACEN’s instant-payment system |
| Lerian SILOC | Sistema de Liquidação Diferida (Nuclea) | Deferred net settlement of interbank credit orders — TEC and boleto flows |
| Lerian SLC | Serviço de Liquidação Centralizada (Nuclea) | Centralized settlement of the Brazilian card arrangement between acquirers, sub-acquirers, and settlement institutions |
| Lerian STA | Sistema de Transferência de Arquivos | File exchange with BACEN over the RSFN — regulatory and operational file transfer |
| Lerian SISBAJUD | Sistema de Busca de Ativos do Poder Judiciário | Court-ordered asset searches, balance queries, and blocking and unblocking orders |
| Lerian Consignado — Dataprev | Dataprev | Payroll-deductible (consignado) credit operations exchanged with Dataprev |
How native rails coexist with provider interfaces
Native rails and provider interfaces are two ways to reach the same payment system, and they run side by side on the platform.
- A provider interface connects your institution through a connectivity partner — Pix and TED via JD, Pix via BTG. The partner absorbs the mechanics of the BACEN link; your integration with the Lerian platform stays the same.
- A native rail connects your institution directly, on Lerian-owned software, with no connectivity partner between you and BACEN.