Product catalog
Loan product
A loan product is the template a loan is originated from — the named credit offering (a CDC line, a consignado line) that carries its terms, charges, and rate configuration.Product version
A product’s terms change over time, so a loan product owns immutable product versions. Each version freezes the terms as they stood, and every originated contract traces back to the exact version it was created under. You activate the product to pin one version as its current version; existing loans keep the version they started on.Charge
A charge is a fee or cost component attached to a product (and inherited by the loans originated from it) — for example an origination fee. Charges are defined on the product and applied to the schedule.Floating rate
A product can reference a floating-rate table rather than a fixed rate. Lender resolves the applicable rate from the table at the moments the schedule requires it.Accounting profile
An accounting profile binds a product version to the . It declares the posting rules — which legs fire for each accounting event (disbursement, prepayment, accrual) and which ledger organization and ledger the transaction books into. No accounting profile, no posting: the profile is how a product knows how to keep its books.Origination
Loan application
A loan application is a request to originate a loan against a product version. It moves through an explicit lifecycle:Schedule preview
Schedule preview computes the amortisation schedule for a prospective loan without originating anything — you preview the installments and disclosures before an application (or before approval) commits to them.Servicing
Loan account
A loan account is an active, disbursed loan — the servicing view of a contract. It carries the live schedule, the transactions posted against it, its charges, and its audit history. (The read surface that lists and creates these is also called servicing.)Schedule and installment
The schedule is the ordered set of installments a loan account owes — each with its due date and its principal, interest, and charge components.Repayment and prepayment
A repayment records money received against the schedule; Lender allocates it across the outstanding installments, oldest first. A prepayment settles ahead of schedule, in whole or in part. You can preview a repayment to see the allocation before recording it.Reschedule
A reschedule rewrites the remaining schedule of a loan account — for example after a renegotiation.Reversal and replay
Corrections are never destructive. A reversal undoes a recorded transaction with a compensating entry; a replay re-derives account state from its event history. Both preserve a consistent, auditable timeline rather than editing the past.Accounting
Posting intent
A posting intent is the durable record of “this financial event must book to the ledger.” Lender persists the intent as part of the same transaction that changes domain state, then hands it to the ledger relay. The intent lives in the database, so it survives a restart.Accrual run
An accrual run computes interest (and other time-based amounts) accrued over a period across the book, producing the postings that recognize it. Each recognition covers one loan account, one month, and one amount kind. A repeated run does not accrue twice.Journal reference
A journal reference is the accounting identifier an accrual run records for itself. It is a separate value from the run’s correlation id, which the reference record also stores. The journal reference id identifies one run exactly; a read by correlation id returns the most recent run that shares it.Jurisdictions
Jurisdiction and profile
A jurisdiction is a market whose credit rules Lender knows about. Each jurisdiction supplies a profile — the rules, disclosures, and calendar that market requires. Lender ships a generic baseline profile and a deep Brazil (BR) profile; the active jurisdiction shapes which disclosures and endpoints apply. See Jurisdictions.Brazil terms
The Brazilian profile adds regulated concepts. The Portuguese terms are kept as-is, with a gloss — see the Brazil regulatory pack for how each is used.
Next steps
Lender in the platform
See how these concepts book to the ledger and emit events.
Define a loan product
Put the product-catalog concepts to work.