> ## Documentation Index > Fetch the complete documentation index at: https://docs.lerian.studio/llms.txt > Use this file to discover all available pages before exploring further. # Native rail journeys > Business journeys that run on Lerian's native messaging with BACEN, Núclea and Dataprev, and the rule that the official manuals prevail. These journeys run on Lerian's native messaging. It connects your institution directly to BACEN and to Núclea over RSFN, and to Dataprev through its API. One journey often crosses several rails: a card receivable, for example, moves through SLC, SILOC and STR. A row between your institution and the Lerian column shows the endpoint or the event your institution uses, and the step table links each endpoint to the API reference. ## The manual prevails *** * **Source.** The official manuals of BACEN, of the market infrastructures (Núclea, B3, Selic) and of Dataprev define each message, its fields and its cut-off times. * **Conflicts.** If this site and a manual disagree, the manual prevails. * **Responsibility.** Your institution is the participant. It validates each flow against the manuals in force and decides how to apply it to its operation. * **Support.** Lerian supports its own products and APIs. Advice on applying the manuals to your operation is a separate service: Lerian offers workshops and consulting by proposal. Contact your Lerian account team. ## Journeys *** **Secured credit** * [Register receivables as collateral](https://docs.lerian.studio/en/diagrams/native-rails/register-receivables-collateral.md): How a contract effect on card receivables is registered, and how you check that each settlement arrived. * [Receive card receivables at the domicile](https://docs.lerian.studio/en/diagrams/native-rails/receive-receivables-at-domicile.md): How a card receivable is paid into the borrower's account at your institution through the SLC cycle and Lerian. * [Settle anticipated receivables in real time](https://docs.lerian.studio/en/diagrams/native-rails/settle-anticipated-receivables.md): How a receivable that the acquirer anticipated is settled one operation at a time, outside the net cycle, through Lerian. * [Collect trade bills and boletos](https://docs.lerian.studio/en/diagrams/native-rails/collect-trade-bills-and-boletos.md): How the payment of a boleto linked to a trade bill reaches your institution through the SILOC collection cycle and Lerian. **Payments** * [Send and receive Pix](https://docs.lerian.studio/en/diagrams/native-rails/send-and-receive-pix.md): Send and receive a Pix through SPI, with Pix Lerian and Lerian SPI. * [Return a received Pix](https://docs.lerian.studio/en/diagrams/native-rails/return-a-received-pix.md): Return all or part of a Pix your institution received, as a Pix return on SPI. * [Charge with a dynamic QR code](https://docs.lerian.studio/en/diagrams/native-rails/charge-with-a-dynamic-qr-code.md): Create a Pix charge, and receive its payment in Midaz. * [Authorize and pay with Pix Automático](https://docs.lerian.studio/en/diagrams/native-rails/authorize-and-pay-pix-automatico.md): Accept a Pix Automático authorization, and pay its scheduled debits from a Midaz account. * [Report a fraud and recover funds](https://docs.lerian.studio/en/diagrams/native-rails/report-a-fraud-and-recover-funds.md): Ask DICT to recover a Pix that your customer paid in a fraud. * [Send and receive TED](https://docs.lerian.studio/en/diagrams/native-rails/send-and-receive-ted.md): A TED transfer from your institution through STR, with Lerian SPB and TED Lerian. * [Cancel or return a TED](https://docs.lerian.studio/en/diagrams/native-rails/cancel-or-return-a-ted.md): Cancel a TED pending at the STR, or return a credited TED. **Settlement and daily operation** * [Pay the net debit position](https://docs.lerian.studio/en/diagrams/native-rails/pay-the-net-debit-position.md): How a settlement bank pays its net debit in the multilateral SLC cycle. * [Recalculate after a default](https://docs.lerian.studio/en/diagrams/native-rails/recalculate-after-a-default.md): What happens in the SLC cycle, and through Lerian, when a participant with a net debit does not pay in full. * [Settle within the same bank](https://docs.lerian.studio/en/diagrams/native-rails/settle-within-the-same-bank.md): How Núclea settles an operation when the debtor and the creditor use the same settlement bank, without the STR, and how you answer through Lerian. **Consignado CLT (Dataprev)** * [Answer a payroll loan request](https://docs.lerian.studio/en/diagrams/native-rails/answer-a-payroll-loan-request.md): How your institution bids on a worker's loan request through Lerian, from the auction to the worker's contact. * [Register a payroll loan](https://docs.lerian.studio/en/diagrams/native-rails/register-a-payroll-loan.md): How the averbação of a payroll loan and the contract's documentation reach Dataprev through Lerian. * [Refinance a payroll loan](https://docs.lerian.studio/en/diagrams/native-rails/refinance-a-payroll-loan.md): How a new payroll loan settles active payroll loans at Dataprev through Lerian, and how to reverse the refinancing. * [Bring in a payroll loan by portability](https://docs.lerian.studio/en/diagrams/native-rails/bring-in-a-payroll-loan-by-portability.md): How your institution answers a portability request and registers the ported loan through Lerian. * [Release a payroll loan by portability](https://docs.lerian.studio/en/diagrams/native-rails/release-a-payroll-loan-by-portability.md): How your institution excludes, through Lerian, a payroll loan that the worker moved to another institution. 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