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Direct Pix via JD is the connectivity path for direct participants in Pix. JD’s regulated infrastructure connects your institution to BACEN’s SPI and DICT. Your institution owns its Pix participation. JD provides the certified connectivity that reaches BACEN’s network. Lerian’s Pix integration abstracts the connectivity provider behind a single API. The same Pix documentation applies to every provider:
  • What is Pix? — the rail itself: modalities, SPI, DICT, and participation models.
  • Pix Switch — the orchestration layer that handles DICT management, transactions, QR Codes, and MED through one API.
  • Plugin use cases — end-to-end scenarios that combine Pix with fees, transaction routes, and the ledger.

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How Pix movements land in Midaz

The direct participation plugin posts every settled Pix movement — cash-out, cash-in, refunds (devolução), MED effectuation legs, and Pix Automático settlement — to Midaz as a ledger transaction, with the external leg against the clearing account (for example, @external/BRL). Midaz records the accounting entry; the payer and payee identity (bank, branch, account, holder name and document, Pix key) and every BACEN reference live only in the plugin’s own transaction record. Correlation between the two systems works through identifiers, not metadata:
  • The end-to-end ID (E2E) is the idempotency key of the Midaz posting, so a retried settlement can never double-post to the ledger. Follow-up legs of the same E2E — a devolução or a MED effectuation — derive their key from the E2E with a flow suffix, so they never collide with the original posting.
  • The plugin stores the Midaz posting ID on its own transaction record, and uses it to commit or cancel the pending debit of a two-phase cash-out.
To see the banking detail behind a ledger entry, query the plugin’s transaction API by the plugin transaction id or the E2E ID. The Midaz transaction itself carries no counterparty data and no custom metadata — by design, the ledger stays pure accounting.
Lerian provisions the provider-specific configuration for direct participation via JD with your integration. To set up direct Pix participation, get in touch with our team.