> ## 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.

# Settle anticipated receivables in real time

> How a receivable that the acquirer anticipated is settled one operation at a time, outside the net cycle, through Lerian.

Settle, one operation at a time, a receivable that the acquirer anticipated to the merchant and whose value belongs to your institution as holder or secured creditor.

> [!NOTE]
>
> This flow is a suggested reading of the Núclea and BACEN manuals. The manuals prevail over this page. Your institution, as the participant, validates the flow and implements it on the Lerian APIs. See [how to read the diagrams](https://docs.lerian.studio/en/diagrams/introduction.md).

## Participants

***

* **Your institution.** The participant that runs the journey and books its effects.
* **Lerian.** Lerian SLC, Lerian SILOC and Lerian SPB. They exchange the messages with Núclea and STR, and expose the API and the events your institution uses.
* **Núclea.** Runs the SLC and SILOC clearinghouses and their settlement windows.
* **STR (BACEN).** The BACEN reserve transfer system. It moves the money between reserve accounts.

## Diagram

***

![Settle anticipated receivables in real time](https://mintcdn.com/lerian-49cb71fc/qgZtW0Vn3HlCLdfR/images/en/d2/id-settle-anticipated-receivables.svg?fit=max\&auto=format\&n=qgZtW0Vn3HlCLdfR\&q=85\&s=31da2f8667d7ccfcdb1c95c0d68e6936)

## Steps

***

| # | From | To | Message | Lerian API | What happens |
| - | - | - | - | - | - |
| 1 | Núclea | STR (BACEN) | `LTR0005` | | After the debtor bank pays, Núclea orders the credit to the creditor. See the debtor-side note below. |
| 2 | STR (BACEN) | Lerian | `LTR0005R2` | | STR reports the financial credit in your institution's reserve account. |
| 3 | Lerian | Your institution | Lerian API | Event `spb.ldl.third-party-settlement-received` | Lerian publishes the financial credit. |
| 4 | Núclea | Your institution | `ASLC032` | | After the acquirer reports ASLC031 and financial settlement is effected or confirmed, Núclea sends ASLC032 to the domicile. Your institution receives it outside Lerian. This notice alone does not authorize ASLC033. |
| 5 | Núclea | Lerian | `SLC0005` | | Núclea sends the data linking the credit to the operation. |
| 6 | Your institution | Your institution | Internal step | | Match ASLC032 and LTR0005R2. Credit the end recipient if possible. If the account cannot receive the credit, reject without booking the credit or amortization. |
| 7 | Your institution | Núclea | `ASLC033` | | Report the actual payment or rejection only after receiving both ASLC032 and the LTR0005R2 financial value. Send ASLC033 outside Lerian, within the anticipation window. A failed end-recipient credit is returned to the acquirer through SILOC LBTR; ASLC034 reports the status to the acquirer. |

When your institution is the debtor bank, it gets the gross result (`LTR0001`) from [`GET /v1/lbtr/results`](https://docs.lerian.studio/en/reference/rails/slc/list-lbtr-results), may agree or dispute (`LTR0002`) with [`POST /v1/lbtr/results/{resultId}/decision`](https://docs.lerian.studio/en/reference/rails/slc/decide-lbtr-result), and pays with `LTR0004` through [`POST /v1/str/operations/ltr-transfers`](https://docs.lerian.studio/en/reference/rails/spb/create-ltr-transfer). If it pays less than due, Núclea returns the payment with `LTR0006`.

## How you know it finished

***

`LTR0005R2` matched with ASLC032 and `SLC0005` proves the financial credit. ASLC033 then reports payment or rejection for the end recipient to Núclea; a rejected end-recipient credit follows the SILOC LBTR return path.

## Related

***

* [Receive card receivables at the domicile](https://docs.lerian.studio/en/diagrams/native-rails/receive-receivables-at-domicile.md)
* [Recalculate after a default](https://docs.lerian.studio/en/diagrams/native-rails/recalculate-after-a-default.md)
* [Lerian SLC](https://docs.lerian.studio/en/rails/slc/what-is-lerian-slc.md)
* [Lerian SPB](https://docs.lerian.studio/en/rails/spb/what-is-lerian-spb.md)


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