The four pillars of modern Core Banking
1. Ledger
The ledger is the foundation of any financial system. It manages accounts, balances, and transactions with precision and consistency. Powered by Midaz, our ledger is designed for high throughput, reliability, and operational clarity. Key capabilities:- Real-time transaction processing
- Multi-currency support
- Immutable audit trails
- High-performance architecture that scales as transaction volume grows
2. Transactional services
Transactional services orchestrate how money moves. From instant payments to interbank transfers and card settlement, this layer ensures consistent, secure debit and credit execution across channels and networks. Transaction types documented today:- Instant payments — Pix, including scheduled (Pix Agendado) and agreement-based automatic debits (Pix Automático)
- Interbank wire transfers — TED, settled through BACEN’s STR
- Boletos and bill payments — issuing and paying boletos, DARF taxes, and utility invoices
- Card-settlement messaging — Lerian SLC operates Nuclea’s ASLC messaging, while Lerian SILOC provides the participant-side gateway and card-domain relay
3. Governance
Governance ensures that growth does not compromise control. This layer integrates compliance, risk management, accounting, and reporting into the operational flow, not as afterthoughts, but as structural components. Governance capabilities:- KYC/AML integrations through Flowker and third-party providers
- Fraud detection and prevention
- Regulatory reporting
- Accounting integration
- Audit and compliance tooling
4. Connectivity infrastructure
No core system operates in isolation. Our connectivity infrastructure supports integration with external networks, partners, and internal systems. Integration capabilities:- Built for integration — every capability is accessible through standard interfaces
- Runs on modern cloud infrastructure with automated scaling and recovery
- Supports multiple communication protocols
- Real-time data synchronization
- Secure communication channels
Why this matters
Traditional core banking platforms are monolithic and difficult to evolve. Lerian’s modular architecture allows institutions to:
- Adopt components incrementally
- Integrate with existing systems
- Scale based on operational demand
- Avoid vendor lock-in