Lender events

Lender publishes CloudEvents 1.0 in binary content mode through Lerian’s streaming library. Business emission is outbox-only and at least once: the domain write and outbox envelope share one database transaction, and the relay publishes after commit.

Application-stream contract

ce-source: lender
Facts: lerian.streaming.lender
Commands: lerian.streaming.lender.commands
Route dead letters: lerian.streaming.lender.dlq
ce-type: studio.lerian.lender.<resource>.<event>
Dispatch key: <resource>.<event> from ce-resourcetype and ce-eventtype

The topic identifies the producing application and stream class, not one event. Route on CloudEvents headers, not on a per-event topic name. Lender serves the exact catalog and application topics at GET /api/v1/streaming/manifest.

Emitted events

The catalog declares 39 definitions. Lender emits 37 of them: 35 facts and 2 commands. The table separates catalog keys from the CloudEvent routing type.

Definition key	`ce-type`	Stream	Schema	Subject	Fires when
`accounting_profile.configured`	`studio.lerian.lender.accounting_profile.configured`	Fact	`1.1.0`	`profile_id`	An accounting profile becomes the active configuration.
`assignment_set.approved`	`studio.lerian.lender.assignment_set.approved`	Fact	`1.0.0`	`assignment_set_id`	A cession composition is durably approved and its offer file becomes derivable from that approval.
`assignment_set.accepted`	`studio.lerian.lender.assignment_set.accepted`	Fact	`1.0.0`	`assignment_set_id`	A fund administrator accepts the whole cession and its receivables leave the tenant portfolio.
`collection.payment.applied`	`studio.lerian.lender.collection_payment.applied`	Fact	`1.0.0`	`application_id`	A verified collection payment is applied to one loan path.
`collection.payment.unapplied`	`studio.lerian.lender.collection_payment.unapplied`	Fact	`1.0.0`	`application_id`	A verified collection payment is held as unapplied cash.
`collection.payment.reapplied`	`studio.lerian.lender.collection_payment.reapplied`	Fact	`1.0.0`	`application_id`	Previously unapplied cash is released into receivables.
`collection.payment.refunded`	`studio.lerian.lender.collection_payment.refunded`	Fact	`1.0.0`	`application_id`	Previously unapplied cash is refunded through the provider.
`loan_application.submitted`	`studio.lerian.lender.loan_application.submitted`	Fact	`2.0.0`	`loan_application_id`	A validated application is persisted for underwriting.
`loan_application.approved`	`studio.lerian.lender.loan_application.approved`	Fact	`2.0.0`	`loan_application_id`	A pending application is approved.
`loan_application.rejected`	`studio.lerian.lender.loan_application.rejected`	Fact	`2.0.0`	`loan_application_id`	A pending application is rejected.
`loan_application.withdrawn`	`studio.lerian.lender.loan_application.withdrawn`	Fact	`2.0.0`	`loan_application_id`	A pending or approved application is withdrawn.
`loan_application.disbursed`	`studio.lerian.lender.loan_application.disbursed`	Fact	`2.0.0`	`loan_application_id`	Funds are disbursed for an approved or already disbursed application.
`loan_charge.applied`	`studio.lerian.lender.loan_charge.applied`	Fact	`1.0.0`	`loan_account_id`	A product-version charge is persisted on a loan account.
`loan_product.created`	`studio.lerian.lender.loan_product.created`	Fact	`1.0.0`	`loan_product_id`	A draft loan product is created.
`loan_product.activated`	`studio.lerian.lender.loan_product.activated`	Fact	`1.0.0`	`loan_product_id`	A loan product becomes active.
`loan_product.current_version_promoted`	`studio.lerian.lender.loan_product.current_version_promoted`	Fact	`1.0.0`	`loan_product_id`	A live product is repointed at another of its versions.
`loan_product_version.created`	`studio.lerian.lender.loan_product_version.created`	Fact	`1.0.0`	`loan_product_version_id`	An immutable loan-product version is appended.
`loan_schedule.prepayment_applied`	`studio.lerian.lender.loan_schedule.prepayment_applied`	Fact	`1.0.0`	`schedule_version_id`	A prepayment creates a successor schedule version.
`loan_schedule.rescheduled`	`studio.lerian.lender.loan_schedule.rescheduled`	Fact	`1.0.0`	`schedule_version_id`	A reschedule creates a successor schedule version.
`repayment.recorded`	`studio.lerian.lender.repayment.recorded`	Fact	`1.0.0`	`transaction_id`	A repayment and its cash allocation are recorded.
`returned_payment_receivable.opened`	`studio.lerian.lender.returned_payment_receivable.opened`	Fact	`1.0.0`	`receivable_id`	A reversed final payment opens a separate borrower debt outside the closed credit operation.
`returned_payment_receivable.collected`	`studio.lerian.lender.returned_payment_receivable.collected`	Fact	`1.0.0`	`receivable_id`	The borrower pays that debt by other means and it is closed.
`returned_payment_receivable.written_off`	`studio.lerian.lender.returned_payment_receivable.written_off`	Fact	`1.0.0`	`receivable_id`	A debt that aged to the final stage of its product’s ladder is written off.
`repayment_reversal.recorded`	`studio.lerian.lender.repayment_reversal.recorded`	Fact	`1.0.0`	`transaction_id`	A repayment reversal is recorded with lineage.
`loan_account.pdd_stage_transitioned`	`studio.lerian.lender.loan_account.pdd_stage_transitioned`	Fact	`1.0.0`	`loan_account_id`	A BR loan account changes or cures its PDD stage.
`prepayment_quote.created`	`studio.lerian.lender.prepayment_quote.created`	Fact	`1.0.0`	`quote_id`	An immutable BR prepayment quote is persisted.
`prepayment_settlement.recorded`	`studio.lerian.lender.prepayment_settlement.recorded`	Fact	`1.0.0`	`settlement_id`	An accepted BR prepayment settlement is recorded.
`loan_account.debt_balance_changed`	`studio.lerian.lender.loan_account.debt_balance_changed`	Fact	`2.0.0`	`loan_account_id`	The canonical full-settlement debt balance is revised.
`loan_account.payment_overdue`	`studio.lerian.lender.loan_account.payment_overdue`	Fact	`1.0.0`	`loan_account_id`	A consignado installment enters or exits overdue state.
`loan_account.problem_asset_assessed`	`studio.lerian.lender.loan_account.problem_asset_assessed`	Fact	`1.0.0`	`loan_account_id`	A credit operator declares, with evidence, whether a Brazilian loan account is a problem asset for a qualitative reason.
`loan_account.problem_asset_reassessment_overdue`	`studio.lerian.lender.loan_account.problem_asset_reassessment_overdue`	Fact	`1.0.0`	`loan_account_id`	A standing qualitative problem-asset characterization outlives the re-assessment horizon of its product version.
`consignado.exclusao.requested`	`studio.lerian.lender.consignado_exclusao.requested`	Command	`1.0.0`	`request_ref`	Lender requests cancellation of a Consignado contract after settlement.
`consignado.redirecionamento.requested`	`studio.lerian.lender.consignado_redirecionamento.requested`	Command	`1.0.0`	`request_ref`	Lender requests payroll redirection to an eligible employment bond.
`payroll_deduction.refund_required`	`studio.lerian.lender.payroll_deduction.refund_required`	Fact	`1.0.0`	`receipt_id`	Post-payoff payroll cash creates a borrower refund obligation.
`payroll_overdeduction.refund_required`	`studio.lerian.lender.payroll_overdeduction.refund_required`	Fact	`1.0.0`	`refund_case_id`	Payroll deducted more than the competência owed.
`collection.instruction.issued`	`studio.lerian.lender.collection_instruction.issued`	Fact	`1.0.0`	`instrument_id`	Lender issues an extraordinary-collection instruction.
`guarantee_recovery.cash_allocated`	`studio.lerian.lender.guarantee_recovery_cash.allocated`	Fact	`1.0.0`	`receipt_id`	Confirmed guarantee-recovery cash is allocated without violating conservation.

Emitted payload contracts

The contracts below mirror the CloudEvent data JSON tags in the published Lender contract. ? means the field can be absent. The Go wire structs declare no nullable pointer fields. unknown is raw JSON and may carry any JSON value, including null. Decimal values are JSON strings, timestamps are UTC RFC 3339 strings, and YYYYMM is a six-digit competência.

type DecimalString = string
type RFC3339 = string
type YYYYMM = string

accounting_profile.configured

Definition key: accounting_profile.configuredTopic: lerian.streaming.lenderSchema: 1.1.0Subject: profile_id

type AccountingProfilePostingLeg = {
  account: string
  role?: string
  side: string
  component?: string
  optional: boolean
}

type AccountingProfilePostingRule = {
  event_type: string
  legs: AccountingProfilePostingLeg[]
}

type AccountingProfileConfiguredDataV1 = {
  profile_id: string
  loan_product_version_id: string
  accounting_mode: string
  posting_rules: AccountingProfilePostingRule[]
  effective_from: string
  created_at: RFC3339
}

effective_from is the civil day the chart it describes starts governing. Without it, two events about one product version describe two different charts and nothing on the wire says which one governs a given month.

assignment_set.approved / assignment_set.accepted

Definition keys: assignment_set.approved, assignment_set.acceptedTopic: lerian.streaming.lenderSchema: 1.0.0Subject: assignment_set_idA cession composition is durably approved. The event identifies the immutable approval that determines the offer file.

type AssignmentSetApprovedDataV1 = {
  assignment_set_id: string
  assignment_fund_id: string
  approval_id: string
  approval_digest: string
  approval_schema_version: string
  valuation_version: string
  currency: string
  item_count: number
  total_assignment_price: DecimalString
  approved_by: string
  approved_at: RFC3339
  trail_observed_at: RFC3339
}

A fund administrator accepts the entire cession. The event reports the set-level money totals after the write-off of the receivables from the tenant portfolio. The risk_retention field names the retention regime the cession was booked under. The retained_fraction field is the share of the expected loss the institution keeps after the sale.

type AssignmentSetAcceptedDataV1 = {
  assignment_set_id: string
  assignment_fund_id: string
  registry_provider: string
  risk_retention: string
  retained_fraction: DecimalString
  provenance: string
  recorded_by: string
  accepted_at: RFC3339
  currency: string
  item_count: number
  total_face_value: DecimalString
  total_assignment_price: DecimalString
  total_discount_amount: DecimalString
}

collection.payment.*

Definition keys: collection.payment.applied, collection.payment.unapplied, collection.payment.reapplied, collection.payment.refundedTopic: lerian.streaming.lenderSchema: 1.0.0Subject: application_id

type CollectionPaymentDataV1 = {
  application_id: string
  notification_id: string
  instrument_id: string
  provider: string
  provider_account_id: string
  provider_payment_id: string
  received_amount: DecimalString
  applied_amount: DecimalString
  unapplied_amount: DecimalString
  refunded_amount?: DecimalString
  currency: string
  applied_transaction_id?: string
  repair_reason?: string
  refund_request_id?: string
  refund_transaction_id?: string
}

loan_application.submitted

Definition key: loan_application.submittedTopic: lerian.streaming.lenderSchema: 2.0.0Subject: loan_application_id

type LoanApplicationSubmittedDataV2 = {
  loan_application_id: string
  loan_product_version_id: string
  borrower_id: string
  assigned_officer_id: string
  status: string
  requested_principal_amount: DecimalString
  requested_interest_rate: DecimalString
  requested_installments: number
  expected_disbursement_date: RFC3339
  preview_profile_version: string
  preview_jurisdiction_code: string
  preview_schedule_snapshot_id?: string
  created_at: RFC3339
  updated_at: RFC3339
}

loan_application.approved

Definition key: loan_application.approvedTopic: lerian.streaming.lenderSchema: 2.0.0Subject: loan_application_id

type LoanApplicationApprovedDataV2 = {
  loan_application_id: string
  loan_product_version_id: string
  borrower_id: string
  assigned_officer_id: string
  status: string
  approved_amount: DecimalString
  approval_decision_id: string
  approval_decision_at: RFC3339
  approved_by: string
  requested_principal_amount: DecimalString
  preview_profile_version: string
  preview_jurisdiction_code: string
  updated_at: RFC3339
}

loan_application.rejected

Definition key: loan_application.rejectedTopic: lerian.streaming.lenderSchema: 2.0.0Subject: loan_application_id

type LoanApplicationRejectedDataV2 = {
  loan_application_id: string
  loan_product_version_id: string
  borrower_id: string
  assigned_officer_id: string
  status: string
  rejection_decision_id: string
  rejection_decision_at: RFC3339
  rejected_by: string
  requested_principal_amount: DecimalString
  preview_profile_version: string
  preview_jurisdiction_code: string
  updated_at: RFC3339
}

loan_application.withdrawn

Definition key: loan_application.withdrawnTopic: lerian.streaming.lenderSchema: 2.0.0Subject: loan_application_id

type LoanApplicationWithdrawnDataV2 = {
  loan_application_id: string
  loan_product_version_id: string
  borrower_id: string
  assigned_officer_id: string
  status: string
  withdrawal_decision_id: string
  withdrawal_decision_at: RFC3339
  withdrawn_by: string
  requested_principal_amount: DecimalString
  preview_profile_version: string
  preview_jurisdiction_code: string
  updated_at: RFC3339
}

loan_application.disbursed

Definition key: loan_application.disbursedTopic: lerian.streaming.lenderSchema: 2.0.0Subject: loan_application_id

type LoanApplicationDisbursedDataV2 = {
  loan_application_id: string
  loan_product_version_id: string
  borrower_id: string
  assigned_officer_id: string
  status: string
  loan_account_id: string
  disbursement_event_id: string
  disbursement_transaction_id: string
  gross_requested_amount: DecimalString
  net_delivered_amount: DecimalString
  disbursed_at: RFC3339
  profile_version: string
  jurisdiction_extensions?: unknown
  preview_jurisdiction_code: string
  updated_at: RFC3339
}

loan_charge.applied

Definition key: loan_charge.appliedTopic: lerian.streaming.lenderSchema: 1.0.0Subject: loan_account_id

type LoanChargeAppliedDataV1 = {
  request_id: string
  loan_account_id: string
  source_product_version_id: string
  charge_template_id: string
  charge_code: string
  charge_type: string
  amount: DecimalString
  rate: DecimalString
  currency: string
  account_created_at: RFC3339
  assessed_at: RFC3339
}

loan_product.created

Definition key: loan_product.createdTopic: lerian.streaming.lenderSchema: 1.0.0Subject: loan_product_id

type LoanProductCreatedDataV1 = {
  loan_product_id: string
  name: string
  loan_type: string
  status: string
  jurisdiction_code: string
  current_version_id?: string
  created_at: RFC3339
}

loan_product.activated

Definition key: loan_product.activatedTopic: lerian.streaming.lenderSchema: 1.0.0Subject: loan_product_id

type LoanProductActivatedDataV1 = {
  loan_product_id: string
  current_version_id: string
  status: string
  name: string
  loan_type: string
  jurisdiction_code: string
  created_at: RFC3339
}

loan_product.current_version_promoted

Definition key: loan_product.current_version_promotedTopic: lerian.streaming.lenderSchema: 1.0.0Subject: loan_product_idThe product is the aggregate after the repoint, so current_version_id is the new pin. Contracts already written keep the version they were born on. Only new applications originate on the promoted one. The promoted_by field holds the authenticated subject verbatim. It is empty when no human asked for the promotion.

type LoanProductCurrentVersionPromotedDataV1 = {
  loan_product_id: string
  current_version_id: string
  status: string
  name: string
  loan_type: string
  jurisdiction_code: string
  promoted_by: string
  promoted_at: RFC3339
}

loan_product_version.created

Definition key: loan_product_version.createdTopic: lerian.streaming.lenderSchema: 1.0.0Subject: loan_product_version_id

type LoanProductVersionCreatedDataV1 = {
  loan_product_version_id: string
  loan_product_id: string
  jurisdiction_code: string
  jurisdiction_extensions?: unknown
  rate_mode: string
  floating_rate_table_id?: string
  floating_spread_bps: number
  fixed_annual_rate_bps: number
  requires_floating_rate: boolean
  min_annual_rate_bps?: number
  max_annual_rate_bps?: number
  admitted_borrower_kinds: string[]
  created_at: RFC3339
}

min/max rate bands are absent when the version stores none. A version with no band emits neither key rather than a zero-to-zero band, which would read as “only 0% is allowed”. The admitted_borrower_kinds field is always present. An empty array means the version admits no borrower.

loan_schedule.prepayment_applied

Definition key: loan_schedule.prepayment_appliedTopic: lerian.streaming.lenderSchema: 1.0.0Subject: schedule_version_id

type LoanSchedulePrepaymentAppliedDataV1 = {
  loan_account_id: string
  schedule_version_id: string
  previous_schedule_version_id: string
  version_number: number
  reason: string
  trigger_transaction_id: string
  request_id: string
  payload_hash: string
  prepayment_amount: DecimalString
  effective_date: RFC3339
  business_date: RFC3339
  profile_version: string
  jurisdiction_code: string
  created_at: RFC3339
  installment_count: number
}

loan_schedule.rescheduled

Definition key: loan_schedule.rescheduledTopic: lerian.streaming.lenderSchema: 1.0.0Subject: schedule_version_id

type LoanScheduleRescheduledDataV1 = {
  loan_account_id: string
  schedule_version_id: string
  previous_schedule_version_id: string
  version_number: number
  reason: string
  trigger_transaction_id: string
  request_id: string
  payload_hash: string
  effective_date: RFC3339
  business_date: RFC3339
  first_rescheduled_due_date: RFC3339
  profile_version: string
  jurisdiction_code: string
  created_at: RFC3339
  installment_count: number
}

repayment.recorded

Definition key: repayment.recordedTopic: lerian.streaming.lenderSchema: 1.0.0Subject: transaction_id

type RepaymentAllocation = {
  installment_number: number
  due_date: RFC3339
  principal_amount: DecimalString
  interest_amount: DecimalString
  fees_amount: DecimalString
  penalties_amount: DecimalString
  total_amount: DecimalString
  fully_paid: boolean
}

type RepaymentRecordedDataV1 = {
  transaction_id: string
  loan_account_id: string
  request_id: string
  funding_mode: string
  paid_amount: DecimalString
  overpayment_amount: DecimalString
  effective_date: RFC3339
  created_at: RFC3339
  allocation_count: number
  allocations: RepaymentAllocation[]
}

returned_payment_receivable.opened / returned_payment_receivable.collected / returned_payment_receivable.written_off

Definition keys: returned_payment_receivable.opened, returned_payment_receivable.collected, returned_payment_receivable.written_offTopic: lerian.streaming.lenderSchema: 1.0.0Subject: receivable_idThe three facts project the same aggregate through one shared projection, so two facts about one debt cannot describe it differently. Every field is always present. A field that does not apply yet holds an empty string. It is never absent and never null. Read status to tell the states apart, not the emptiness of a field.The stage and provision_amount fields carry the aging of the debt. The provision_consumed and loss fields split the write-off. The reversal_transaction_id field is unique per receivable and is the anchor that a redelivery of the same reversal resolves to.

type ReturnedPaymentReceivableDataV1 = {
  receivable_id: string
  loan_account_id: string
  borrower_id: string
  original_transaction_id: string
  reversal_transaction_id: string
  currency: string
  amount: DecimalString
  status: string
  opened_at: RFC3339
  opened_on: string
  collected_at: RFC3339 | ""
  collected_on: string
  collected_by: string
  stage: string
  provision_amount: DecimalString
  written_off_at: RFC3339 | ""
  written_off_on: string
  provision_consumed: DecimalString | ""
  loss: DecimalString | ""
}

repayment_reversal.recorded

Definition key: repayment_reversal.recordedTopic: lerian.streaming.lenderSchema: 1.0.0Subject: transaction_id

type RepaymentAllocation = {
  installment_number: number
  due_date: RFC3339
  principal_amount: DecimalString
  interest_amount: DecimalString
  fees_amount: DecimalString
  penalties_amount: DecimalString
  total_amount: DecimalString
  fully_paid: boolean
}

type RepaymentReversalRecordedDataV1 = {
  transaction_id: string
  original_transaction_id: string
  loan_account_id: string
  request_id: string
  paid_amount: DecimalString
  overpayment_amount: DecimalString
  effective_date: RFC3339
  created_at: RFC3339
  profile_version: string
  jurisdiction_code: string
  allocation_count: number
  allocations: RepaymentAllocation[]
}

loan_account.pdd_stage_transitioned

Definition key: loan_account.pdd_stage_transitionedTopic: lerian.streaming.lenderSchema: 1.0.0Subject: loan_account_id

type LoanAccountPDDStageTransitionedDataV1 = {
  loan_account_id: string
  transition_id: string
  from_stage: string
  to_stage: string
  accrual_state: string
  reason?: string
  effective_at: RFC3339
  business_date: RFC3339
  triggered_by?: string
  profile_version?: string
  jurisdiction_code?: string
  created_at: RFC3339
}

prepayment_quote.created

Definition key: prepayment_quote.createdTopic: lerian.streaming.lenderSchema: 1.0.0Subject: quote_id

type PrepaymentQuoteCreatedDataV1 = {
  quote_id: string
  loan_account_id: string
  quote_type: string
  principal_outstanding: DecimalString
  interest_rebate: DecimalString
  charge_rebate: DecimalString
  iof_reconciliation: DecimalString
  gross_amount: DecimalString
  net_settlement_amount: DecimalString
  rebate_mandatory: boolean
  expires_at: RFC3339
  currency: string
  sla_due_at: RFC3339
  statement_available_at: RFC3339
  instrument_id: string
  instrument_type: string
  instrument_requested_at: RFC3339
  profile_version?: string
  jurisdiction_code?: string
  consumer_protection_regime?: string
  created_at: RFC3339
}

prepayment_settlement.recorded

Definition key: prepayment_settlement.recordedTopic: lerian.streaming.lenderSchema: 1.0.0Subject: settlement_id

type PrepaymentSettlementRecordedDataV1 = {
  settlement_id: string
  quote_id: string
  loan_account_id: string
  transaction_id: string
  schedule_version_id?: string
  settlement_type: string
  principal_outstanding: DecimalString
  interest_rebate: DecimalString
  charge_rebate: DecimalString
  iof_reconciliation: DecimalString
  gross_amount: DecimalString
  net_settlement_amount: DecimalString
  final_principal_amount: DecimalString
  final_interest_amount: DecimalString
  final_charge_amount: DecimalString
  final_iof_amount: DecimalString
  profile_version?: string
  jurisdiction_code?: string
  consumer_protection_regime?: string
  accepted_at: RFC3339
  created_at: RFC3339
}

loan_account.debt_balance_changed

Definition key: loan_account.debt_balance_changedTopic: lerian.streaming.lenderSchema: 2.0.0Subject: loan_account_id

type LoanAccountDebtBalanceChangedDataV2 = {
  loan_account_id: string
  numero_contrato: string
  reason: string
  revision: number
  balance_before: DecimalString
  balance_after: DecimalString
  currency: string
  valuation_version: string
  profile_version?: string
  jurisdiction_code?: string
  effective_at: RFC3339
  created_at: RFC3339
}

loan_account.payment_overdue

Definition key: loan_account.payment_overdueTopic: lerian.streaming.lenderSchema: 1.0.0Subject: loan_account_id

type LoanAccountPaymentOverdueDataV1 = {
  loan_account_id: string
  numero_contrato: string
  competencia: YYYYMM
  occurrence: number
  reason: string
  installment_number: number
  installment_due_date: RFC3339
  overdue_amount: DecimalString
  currency: string
  profile_version?: string
  jurisdiction_code?: string
  detected_at: RFC3339
  resolved_at?: RFC3339
  created_at: RFC3339
}

loan_account.problem_asset_assessed

Definition key: loan_account.problem_asset_assessedTopic: lerian.streaming.lenderSchema: 1.0.0Subject: loan_account_idLender emits it on both verdicts. A declaration with characterizes_problem_asset set to false is the only way to withdraw an earlier characterization.

type LoanAccountProblemAssetAssessedDataV1 = {
  assessment_id: string
  loan_account_id: string
  trigger: string
  source: string
  evidence_reference: string
  characterizes_problem_asset: boolean
  declared_by: string
  evaluated_on: string
  created_at: RFC3339
}

loan_account.problem_asset_reassessment_overdue

Definition key: loan_account.problem_asset_reassessment_overdueTopic: lerian.streaming.lenderSchema: 1.0.0Subject: loan_account_idThis fact is a call to review. It changes nothing on the contract: the stage, the provision, and the income-recognition decision stay as they were. Lender emits it once per contract per business date, and a declaration of either verdict ends it.

type LoanAccountProblemAssetReassessmentOverdueDataV1 = {
  loan_account_id: string
  business_date: string
  trigger: string
  last_assessed_on: string
  horizon_days: number
  days_overdue: number
}

consignado.exclusao.requested

Definition key: consignado.exclusao.requestedTopic: lerian.streaming.lender.commandsSchema: 1.0.0Subject: request_ref

type ConsignadoExclusaoRequestedDataV1 = {
  request_ref: string
  settlement_id: string
  loan_account_id: string
  contract_id: string
  numero_contrato: string
  motivo_exclusao: string
  settled_at: RFC3339
}

consignado.redirecionamento.requested

Definition key: consignado.redirecionamento.requestedTopic: lerian.streaming.lender.commandsSchema: 1.0.0Subject: request_ref

type ConsignadoRedirecionamentoRequestedDataV1 = {
  request_ref: string
  numero_contrato: string
  source_vinculo_ref: string
  target_vinculo_ref: string
  target_matricula: string
  target_cnpj: string
  target_esocial_category: string
  disruption_status: string
  effective_at: RFC3339
}

payroll_deduction.refund_required

Definition key: payroll_deduction.refund_requiredTopic: lerian.streaming.lenderSchema: 1.0.0Subject: receipt_id

type PayrollDeductionRefundRequiredDataV1 = {
  receipt_id: string
  account_id: string
  product_version_id: string
  payoff_effective_at: RFC3339
  receipt_settled_at: RFC3339
  amount: DecimalString
  currency: string
  required_at: RFC3339
}

payroll_overdeduction.refund_required

Definition key: payroll_overdeduction.refund_requiredTopic: lerian.streaming.lenderSchema: 1.0.0Subject: refund_case_id

type PayrollOverdeductionRefundRequiredDataV1 = {
  refund_case_id: string
  loan_account_id: string
  product_version_id: string
  numero_contrato: string
  competencia: YYYYMM
  detecting_run_id: string
  amount: DecimalString
  currency: string
  reversal_source_reference: string
  required_at: RFC3339
}

collection.instruction.issued

Definition key: collection.instruction.issuedTopic: lerian.streaming.lenderSchema: 1.0.0Subject: instrument_id

type CollectionInstructionIssuedDataV1 = {
  instrument_id: string
  loan_account_id: string
  instruction_ref: string
  agent_name: string
  agent_account_id: string
  kind: string
  numero_contrato: string
  competencia?: YYYYMM
  amount: DecimalString
  currency: string
  issued_at: RFC3339
  valid_until: RFC3339
}

guarantee_recovery.cash_allocated

Definition key: guarantee_recovery.cash_allocatedTopic: lerian.streaming.lenderSchema: 1.0.0Subject: receipt_id

type GuaranteeRecoveryCashAllocatedDataV1 = {
  receipt_id: string
  loan_account_id: string
  disruption_ref: string
  source_sequence: number
  cash_source: string
  amount: DecimalString
  repayment_applied: DecimalString
  prepayment_applied: DecimalString
  unapplied: DecimalString
  currency: string
  settled_at: RFC3339
}

Cataloged but not emitted

These two definitions are present in the manifest but have no non-test Lender emission caller. Do not treat their lender-sourced forms as operational integrations.

Definition key	Derived `ce-type` (not emitted)	Stream	Status
`consignado.averbacao.rejected`	`studio.lerian.lender.consignado_averbacao.rejected`	Fact	Reserved Lender-source mirror. Lender consumes this fact from the gateway; see Events consumed. Consignado emits the operational fact with `ce-source: consignado-gw`.
`consignado.reconciliation.received`	`studio.lerian.lender.consignado_reconciliation.received`	Fact	Reserved Lender-source mirror. Lender consumes this fact from the gateway; see Events consumed. Consignado emits the operational fact with `ce-source: consignado-gw`.

Events consumed

Lender wires 15 gateway fact keys from lerian.streaming.consignado-gw and one Matcher fact from lerian.streaming.matcher. Each consumer is configuration-gated and registered in bootstrap.

Producer	Definition key	`ce-type`
`consignado-gw`	`consignado.contract.registered`	`studio.lerian.consignado-gw.consignado_contract.registered`
`consignado-gw`	`consignado.disbursement.confirmed`	`studio.lerian.consignado-gw.consignado_disbursement.confirmed`
`consignado-gw`	`consignado.averbacao.rejected`	`studio.lerian.consignado-gw.consignado_averbacao.rejected`
`consignado-gw`	`consignado.employment_status.reported`	`studio.lerian.consignado-gw.consignado_employment_status.reported`
`consignado-gw`	`consignado.redirecionamento.confirmed`	`studio.lerian.consignado-gw.consignado_redirecionamento.confirmed`
`consignado-gw`	`consignado.redirecionamento.rejected`	`studio.lerian.consignado-gw.consignado_redirecionamento.rejected`
`consignado-gw`	`consignado.reconciliation.received`	`studio.lerian.consignado-gw.consignado_reconciliation.received`
`consignado-gw`	`consignado.exclusao.confirmed`	`studio.lerian.consignado-gw.consignado_exclusao.confirmed`
`consignado-gw`	`consignado.exclusao.rejected`	`studio.lerian.consignado-gw.consignado_exclusao.rejected`
`consignado-gw`	`consignado.contract_correction.available`	`studio.lerian.consignado-gw.consignado_contract_correction.available`
`consignado-gw`	`consignado.disbursement_correction.available`	`studio.lerian.consignado-gw.consignado_disbursement_correction.available`
`consignado-gw`	`consignado_portabilidade.efetivada`	`studio.lerian.consignado-gw.consignado_portabilidade.efetivada`
`consignado-gw`	`consignado_portabilidade.rejeitada`	`studio.lerian.consignado-gw.consignado_portabilidade.rejeitada`
`consignado-gw`	`consignado_refinanciamento.efetivado`	`studio.lerian.consignado-gw.consignado_refinanciamento.efetivado`
`consignado-gw`	`consignado_refinanciamento.revertido`	`studio.lerian.consignado-gw.consignado_refinanciamento.revertido`
`matcher`	`match_run.completed`	`studio.lerian.matcher.match_run.completed`

The gateway has emission paths for the first 13 listed gateway keys. The portability pair reaches Lender only when its outcome consumer is enabled and the deployed gateway manifest declares the event. The manifest does not declare the two refinance outcomes, so those two listeners receive no traffic from the current gateway runtime. Lender does not register consignado.proposal.accepted. That key is not a Lender booking input.

Internal event planes

Lender also writes internal outbox event types for ledger intents, collection work, and signed hub handoffs. They are process-local coordination contracts, not entries of the event catalog. This public inventory omits them on purpose.

Delivery and compatibility rules

Deduplicate by (ce-source, ce-id) and make handlers idempotent.
Read ce-schemaversion before decoding. The version is a CloudEvents header, never a topic suffix.
Money and rates are decimal strings. Timestamps are UTC RFC 3339.
The wired fact consumers filter exact keys. They skip and commit unmatched facts on the shared application topics. Malformed handled records follow the consumer DLQ policy.
A missing required business identifier prevents emission or command execution. Lender never synthesizes it.

Brazil loan products

Consignado operations

Loan product lifecycle

Product versions

Product configuration

Floating-rate tables

Document templates

Loan Applications

Credit instruments

Regulatory disclosures and risk

Payoff and prepayment

Account overview and audit

Charges and schedule

Repayments

Transactions

Returned payment receivables

Assignment funds

Assignment sets

Assignment exceptions and registry

Accounting

Portfolio dashboards

Jurisdictions

Tax

Session

Streaming

Error handling

Events

Application-stream contract

Emitted events

Emitted payload contracts

Cataloged but not emitted

Events consumed

Internal event planes

Delivery and compatibility rules

​Application-stream contract

​Emitted events

​Emitted payload contracts

​Cataloged but not emitted

​Events consumed

​Internal event planes

​Delivery and compatibility rules

Application-stream contract

Emitted events

Emitted payload contracts

Cataloged but not emitted

Events consumed

Internal event planes

Delivery and compatibility rules