Consignado privado

Payroll-deducted lending in Brazil — the vocabulary, where the commercial terms come from, the collateral model, and the averbação lifecycle topics.

Consignado privado is payroll-deducted private-sector lending. The paying employer withholds each installment at source, from the borrower’s salary. It is a full Brazilian bounded context on top of the Brazil regulatory pack. It has its own vocabulary, its own collateral model, and its own lifecycle topics.

The vocabulary

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Term	Gloss
Consignado	Payroll-deducted credit — repayments are withheld from salary at source.
Averbação	Registration of the payroll deduction with the paying entity, so installments are withheld each period.
Margem	The consignable margin — the portion of salary available for deduction.
Vínculo	The employment link between borrower and employer that the loan is deducted against.
Competência	The payroll period (a YYYYMM reference) an installment is deducted in.
CCB	Cédula de Crédito Bancário — the bank credit instrument for the loan.

Where the commercial terms come from

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Your credit engine prices a consignado loan. The rate, the annual rate, the CET, the IOF and the installment plan are contracted facts Lender records — never values Lender computes. Lender binds those terms to a loan product version.

Money and rate fields cross the wire as decimal strings (never floats), consistent with the ledger’s money model.

Optional collateral (garantias)

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A consignado contract can carry FGTS and rescission-benefit collateral alongside the payroll deduction. A contract either declares collateral and carries at least one of the three amounts, or declares none and carries none.

Field	Meaning
valorSaldoDisponivelGarantiaFgts	FGTS balance amount pledged (from consultar-saldo-fgts).
valorMultaRescisoriaGarantiaFgts	FGTS rescission-penalty amount pledged.
percVerbaRescisoriaGarantia	Fraction of severance-verbas pledged, capped at 0.35.

The two FGTS fields are money amounts (decimal strings, scale 2). The verbas fraction is a decimal string (scale 8). Lender validates each field.

Collateral is off-balance: FGTS balances stay in CAIXA custody and never post to the ledger. Lender tracks the pledge as a domain record on the contract, not as a Midaz posting.

The averbação lifecycle

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Because averbação happens at an external payroll rail, Lender models it as an asynchronous conversation over the streaming backbone rather than a synchronous call. Lender publishes its commands on its own lender.* topics, and the payroll-deduction gateway reports facts back on consignado-gw.* topics.

Subscribe by topic, and publish facts on the gateway topic. The topic is the address on both sides.

Topic	Direction	Meaning
lender.consignado_exclusao.requested	out	Ask the rail to remove a registered deduction.
lender.consignado_redirecionamento.requested	out	Ask the rail to redirect a contract to a replacement vínculo.
consignado-gw.consignado_averbacao.confirmed / consignado-gw.consignado_averbacao.rejected	in	The rail confirmed or refused the averbação.
consignado-gw.consignado_exclusao.confirmed / consignado-gw.consignado_exclusao.rejected	in	The rail confirmed or refused the removal.
consignado-gw.consignado_employment_status.reported	in	The rail reported a worker’s vínculo was suspended or terminated.
consignado-gw.consignado_redirecionamento.confirmed / consignado-gw.consignado_redirecionamento.rejected	in	The rail confirmed or refused the redirection.
consignado-gw.consignado_reconciliation.received	in	A reconciliation verdict arrived — payroll escrituração, CEF repasse, portal CSV, or guarantee recovery.

The core catalog Lender publishes around these lives in Lender events.

Contracting gate

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CONSIGNADO_ENABLED defaults to true. Set it to false only to intentionally remove the contratação route, its CCB signer, and the inbound confirm/reject averbação use cases. Servicing for existing contracts remains available. When you disable it, also keep CONSUMER_CONSIGNADO_AVERBACAO_CONFIRMED_ENABLED and CONSUMER_CONSIGNADO_AVERBACAO_REJECTED_ENABLED off; startup rejects that contradictory configuration.

Optional: reconciliation with Matcher

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This integration is off by default and gated by configuration. Document and enable it only when your deployment has explicitly turned it on.

Consignado contracts can optionally be reconciled against Matcher. When enabled, a Matcher verdict on a contract is translated into a downstream effect on the loan — a PDD stage transition and a corresponding ledger posting intent. With the integration disabled, the reconciliation consumer is a no-op.

Next steps

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Brazil regulatory pack

CET, IOF, capitalization consent, PDD staging, and the rest of the BR profile.

Lender events

The wire contract, the topics Lender publishes, and how a handler stays safe.