Midaz is the backbone of modern financial infrastructures, designed to help institutions build, operate, and scale transactional ecosystems with agility and precision. As an open-source core ledger, Midaz offers a modular and extensible foundation, empowering clients to shape their financial operations with independence.

At its core, Midaz is structured around two essential domains: Onboarding and Transaction. Together, they provide a complete framework to configure, execute, and govern financial flows at scale.

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Note

This domain-driven architecture ensures that configuration (Onboarding) and execution (Transaction) remain clearly separated yet fully integrated — enabling performance, traceability, and business agility.

Domains and APIs

Onboarding Domain

The Onboarding Domain is where institutions structure their financial operations by configuring the essential entities of their ledger. This domain establishes the rules, accounts, and relationships that govern how transactions will be recorded and interpreted.

Components of the Onboarding Domain

• Organizations: Defines the business entity operating within Midaz. Each organization holds its own ledgers, configurations, and access controls.
• Ledgers: The core financial book of an organization. Ledgers track every balance, transaction, and operation, ensuring integrity across all financial data.
• Assets: Define the units of value tracked in the ledger — such as BRL, USD, BTC, or loyalty points. Each account must be tied to a specific asset.
• Account Types: Systematic classifications that define the nature and purpose of accounts within a financial structure. These types enable proper transaction routing and operational validation across different account categories.
• Accounts: The fundamental units of value storage. Accounts are always linked to an Asset and can be organized further into segments or portfolios.
• Portfolios: Groupings of accounts related to a specific customer, business unit, or purpose. They help structure balances across multiple assets within the same logical container.
• Segments: Enable the grouping of accounts under shared characteristics, like customer tiers (e.g., VIP, Student) or regional divisions. Segments help enforce differentiated rules or benefits.

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Tip

The Onboarding Domain configures how your financial world is structured, ensuring consistency before any transaction takes place.

Transaction Domain

Once the Onboarding Domain is configured, the Transaction Domain takes over — powering the real-time execution, movement, and reconciliation of funds.

Components of the Transaction Domain

• Balances: Retrieve the current balance of any account, including its available, on-hold, and reserved amounts. Essential for validations and pre-transaction checks.
• Operation Routes: Individual transaction components that define the behavior for each "leg" of a financial transaction. Each route specifies its accounting annotation (title/description), the expected account type or specific account player, and direction (source and destination), establishing validation rules for transaction processing.
• Operations: The atomic unit of movement in the ledger — a single debit or credit. All financial movements decompose into operations for precise traceability.
• Transaction Routes: Complete transaction templates composed of multiple Operation Routes that together form a balanced financial event. Each Transaction Route requires at least one source and one destination Operation Route, ensuring proper double-entry validation and structured transaction processing.
• Transactions: Group movements of value between accounts. Transactions can have multiple Operations, ensuring flexible and multi-entry processing.

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Tip

The Transaction Domain ensures that every movement is processed accurately, transparently, and in compliance with business and accounting rules configured upstream.

In short

Midaz is a domain-driven ledger platform designed for reliability, flexibility, and governance.

With this architecture, Midaz enables financial institutions to structure their data with precision and operate at scale, all while maintaining full control and transparency over their financial ecosystem.