Who it serves
Lerian SPB serves financial institutions that hold their own reserve and settlement account at BACEN. Those institutions send TED-family transfers, move liquidity between their reserve account and their liquidity account (Conta PI), and query their reserve position directly through the STR.
An operation-centric API
You do not hand-pick a wire code. You declare the typed roles of the parties to an operation — who debits, who credits, and whether each side is an account-holding institution or a client — and the platform derives the correct STR message code for you.
| Declared parties | STR code | Movement |
|---|---|---|
| Institution to institution | STR0004 | Interbank transfer between two account-holding participants |
| Non-account-holders | STR0005 | Transfer involving parties that do not hold a reserve account |
| Client to institution | STR0006 | A client sends to an institution |
| Institution to client | STR0007 | An institution sends to a client |
| Client to client | STR0008 | Transfer between two clients across institutions |
Settlement is asynchronous
The STR is a real-time gross-settlement system: every operation settles individually against reserve balances. When you submit a transfer, the platform returns
SUBMITTED — dispatch was accepted, not that BACEN has settled it. BACEN confirms asynchronously through a settlement reply (the R-leg), which moves the operation to SETTLED or REJECTED and carries BACEN’s settlement fields (for example numCtrlSTR and sitLancSTR), projected verbatim.
Money-neutrality
Lerian SPB is money-neutral by design. It forwards the amounts you declare exactly as declared and computes no balance or position of its own. Every accounting position lives in Midaz, the ledger; Lerian SPB carries the message, Midaz carries the money.
Glossary
| Term | Meaning |
|---|---|
| STR — Sistema de Transferência de Reservas | BACEN’s real-time gross-settlement (RTGS) system, where each operation settles individually. |
| SPB — Sistema de Pagamentos Brasileiro | The Brazilian payment system that the STR is the settlement core of. |
| RSFN | The private national financial-system network that carries SPB messages between participants and BACEN. |
| TED | An electronic wire transfer settled through the STR. |
| NUOp | 23-digit BACEN operation identifier (ISPB + date + sequence) that correlates a submitted message with its reply. |
| ISPB | 8-digit BACEN code identifying a payment-system participant institution. |
| Conta PI / reserve-settlement account | The accounts an institution holds at BACEN for settlement and liquidity. |
| ICP-Brasil certificate | The digital certificate used to sign outbound SPB messages. |
| Settlement confirmation (R-leg) | The asynchronous BACEN reply that moves a submitted operation to SETTLED or REJECTED. |
| STR / LPI / GEN codes | Official BACEN protocol identifiers for each STR and SPB message type (for example STR0004, LPI0001, GEN0006). |