> ## 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.

# 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

***

* 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

***

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](/en/rails/native/native-messaging).