What is Lerian Consignado — Dataprev?

Lerian Consignado is the gateway linking your credit engine to Dataprev’s Crédito do Trabalhador (CLT payroll loans) — margin, averbação, auction discovery, repasse.

Lerian Consignado — Dataprev is the Lerian rail that connects the platform’s credit engine to Dataprev’s Crédito do Trabalhador. The Crédito do Trabalhador is the CLT private-sector payroll-loan program under Portaria MTE 435/2025. It is not the legacy INSS consignado. It covers formally employed private-sector workers.

The rail is a thin, sink-agnostic gateway. It fetches a worker’s available payroll margin from Dataprev. It registers (averba) signed contracts. It discovers 24-hour auction requests. It reconciles the Caixa Econômica Federal (CEF) D+2 repasses that settle paid installments.

The rail serves financial institutions that originate these payroll loans. It is multi-tenant with full per-institution isolation.

What it does — and does not — do

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• It is the integration boundary between the platform’s credit engine and Dataprev’s Crédito do Trabalhador. It fetches margin, registers signed contracts, discovers loan-auction requests, and reconciles settlement. It reports each outcome back as a business fact.
• It holds no credit logic. The credit engine decides whether to lend, at what rate, and to whom. This rail runs the Dataprev-facing steps and relays the rail’s own result codes. It does not decide them.
• It owns no money movement. It makes no direct ledger postings. The facts it emits let downstream systems originate loans and reconcile settlement in their own records.
• It is sink-agnostic. It emits its results to a transactional outbox and owns no per-destination routing. A downstream streaming hub decides which system receives each fact.
• It is multi-tenant from the ground up. Each financial institution is a tenant with its own credentials and isolated data.

Who it serves

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Lerian Consignado — Dataprev serves banks and financial institutions that originate payroll loans under the Crédito do Trabalhador (CLT) program. Each institution is a tenant with its own ICP-Brasil certificate, OAuth2 credentials, and Dataprev código solicitante. Its data is isolated from every other institution on the deployment.

Glossary

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Term	Meaning
Crédito do Trabalhador	The CLT private-sector payroll-loan program (Portaria MTE 435/2025), distinct from the legacy INSS consignado.
Averbação	Registration of a signed payroll-loan contract to authorize the payroll deduction.
Margem consignável	The worker’s available payroll margin that a loan may consume.
Escrituração	The per-contract record of the averbado installment.
Repasse	The transfer that settles a paid payroll installment to the lending institution.
Leilão	The 24-hour auction in which lenders bid to fund a worker’s loan request.
CET (Custo Efetivo Total)	The borrower’s all-in effective cost.
Competência	The yyyyMM payroll reference month.

For how Lerian Consignado — Dataprev sits alongside the other native rails and the partner interfaces, see Native messaging and partner interfaces.