Lender events

Reference every CloudEvent Lender emits on develop, with application streams, schema versions, subjects, payload contracts, catalog-only definitions, and wired consumers.

Lender publishes CloudEvents 1.0 in binary content mode through lib-streaming v3. Business emission is outbox-only and at least once: the domain write and outbox envelope share one database transaction, and the relay publishes after commit.

Application-stream contract

• ce-source: lender
• Facts: lerian.streaming.lender
• Commands: lerian.streaming.lender.commands
• Route dead letters: lerian.streaming.lender.dlq
• ce-type: studio.lerian.lender.<resource>.<event>
• Dispatch key: <resource>.<event> from ce-resourcetype and ce-eventtype

The topic identifies the producing application and stream class, not one event. Route on CloudEvents headers, not on a per-event topic name. Lender serves the exact catalog and application topics at GET /api/v1/streaming/manifest.

Emitted events

The catalog declares 37 definitions. Lender has production callers for 34 of them: 32 facts and 2 commands. The table separates catalog keys from the CloudEvent routing type.

Definition key	ce-type	Stream	Schema	Subject	Fires when
accounting_profile.configured	studio.lerian.lender.accounting_profile.configured	Fact	1.1.0	profile_id	An accounting profile becomes the active configuration.
assignment_set.approved	studio.lerian.lender.assignment_set.approved	Fact	1.0.0	assignment_set_id	A cession composition is durably approved and its offer file becomes derivable from that approval.
assignment_set.accepted	studio.lerian.lender.assignment_set.accepted	Fact	1.0.0	assignment_set_id	A fund administrator accepts the whole cession and its receivables leave the tenant portfolio.
collection.payment.applied	studio.lerian.lender.collection_payment.applied	Fact	1.0.0	application_id	A verified collection payment is applied to one loan path.
collection.payment.unapplied	studio.lerian.lender.collection_payment.unapplied	Fact	1.0.0	application_id	A verified collection payment is held as unapplied cash.
collection.payment.reapplied	studio.lerian.lender.collection_payment.reapplied	Fact	1.0.0	application_id	Previously unapplied cash is released into receivables.
collection.payment.refunded	studio.lerian.lender.collection_payment.refunded	Fact	1.0.0	application_id	Previously unapplied cash is refunded through the provider.
loan_application.submitted	studio.lerian.lender.loan_application.submitted	Fact	2.0.0	loan_application_id	A validated application is persisted for underwriting.
loan_application.approved	studio.lerian.lender.loan_application.approved	Fact	2.0.0	loan_application_id	A pending application is approved.
loan_application.rejected	studio.lerian.lender.loan_application.rejected	Fact	2.0.0	loan_application_id	A pending application is rejected.
loan_application.withdrawn	studio.lerian.lender.loan_application.withdrawn	Fact	2.0.0	loan_application_id	A pending application is withdrawn.
loan_application.disbursed	studio.lerian.lender.loan_application.disbursed	Fact	2.0.0	loan_application_id	Funds are disbursed for an approved application.
loan_charge.applied	studio.lerian.lender.loan_charge.applied	Fact	1.0.0	loan_account_id	A product-version charge is persisted on a loan account.
loan_product.created	studio.lerian.lender.loan_product.created	Fact	1.0.0	loan_product_id	A draft loan product is created.
loan_product.activated	studio.lerian.lender.loan_product.activated	Fact	1.0.0	loan_product_id	A loan product becomes active.
loan_product.current_version_promoted	studio.lerian.lender.loan_product.current_version_promoted	Fact	1.0.0	loan_product_id	A live product is repointed at another of its versions.
loan_product_version.created	studio.lerian.lender.loan_product_version.created	Fact	1.0.0	loan_product_version_id	An immutable loan-product version is appended.
loan_schedule.prepayment_applied	studio.lerian.lender.loan_schedule.prepayment_applied	Fact	1.0.0	schedule_version_id	A prepayment creates a successor schedule version.
loan_schedule.rescheduled	studio.lerian.lender.loan_schedule.rescheduled	Fact	1.0.0	schedule_version_id	A reschedule creates a successor schedule version.
repayment.recorded	studio.lerian.lender.repayment.recorded	Fact	1.0.0	transaction_id	A repayment and its cash allocation are recorded.
returned_payment_receivable.opened	studio.lerian.lender.returned_payment_receivable.opened	Fact	1.0.0	receivable_id	A reversed final payment opens a separate borrower debt outside the closed credit operation.
returned_payment_receivable.collected	studio.lerian.lender.returned_payment_receivable.collected	Fact	1.0.0	receivable_id	The borrower pays that debt by other means and it is closed.
repayment_reversal.recorded	studio.lerian.lender.repayment_reversal.recorded	Fact	1.0.0	transaction_id	A repayment reversal is recorded with lineage.
loan_account.pdd_stage_transitioned	studio.lerian.lender.loan_account.pdd_stage_transitioned	Fact	1.0.0	loan_account_id	A BR loan account changes or cures its PDD stage.
prepayment_quote.created	studio.lerian.lender.prepayment_quote.created	Fact	1.0.0	quote_id	An immutable BR prepayment quote is persisted.
prepayment_settlement.recorded	studio.lerian.lender.prepayment_settlement.recorded	Fact	1.0.0	settlement_id	An accepted BR prepayment settlement is recorded.
loan_account.debt_balance_changed	studio.lerian.lender.loan_account.debt_balance_changed	Fact	2.0.0	loan_account_id	The canonical full-settlement debt balance is revised.
loan_account.payment_overdue	studio.lerian.lender.loan_account.payment_overdue	Fact	1.0.0	loan_account_id	A consignado installment enters or exits overdue state.
consignado.exclusao.requested	studio.lerian.lender.consignado_exclusao.requested	Command	1.0.0	request_ref	Lender requests cancellation of a Consignado contract after settlement.
consignado.redirecionamento.requested	studio.lerian.lender.consignado_redirecionamento.requested	Command	1.0.0	request_ref	Lender requests payroll redirection to an eligible employment bond.
payroll_deduction.refund_required	studio.lerian.lender.payroll_deduction.refund_required	Fact	1.0.0	receipt_id	Post-payoff payroll cash creates a borrower refund obligation.
payroll_overdeduction.refund_required	studio.lerian.lender.payroll_overdeduction.refund_required	Fact	1.0.0	refund_case_id	Payroll deducted more than the competência owed.
collection.instruction.issued	studio.lerian.lender.collection_instruction.issued	Fact	1.0.0	instrument_id	Lender issues an extraordinary-collection instruction.
guarantee_recovery.cash_allocated	studio.lerian.lender.guarantee_recovery_cash.allocated	Fact	1.0.0	receipt_id	Confirmed guarantee-recovery cash is allocated without violating conservation.

Emitted payload contracts

The contracts below mirror the CloudEvent data JSON tags in the published Lender contract. ? means the field can be absent. The Go wire structs declare no nullable pointer fields. unknown is raw JSON and may carry any JSON value, including null. Decimal values are JSON strings, timestamps are UTC RFC 3339 strings, and YYYYMM is a six-digit competência.

type DecimalString = string
type RFC3339 = string
type YYYYMM = string

accounting_profile.configured

Definition key: accounting_profile.configured

Topic: lerian.streaming.lender

Schema: 1.1.0

Subject: profile_id

type AccountingProfilePostingLeg = {
  account: string
  role?: string
  side: string
  component?: string
  optional: boolean
}

type AccountingProfilePostingRule = {
  event_type: string
  legs: AccountingProfilePostingLeg[]
}

type AccountingProfileConfiguredDataV1 = {
  profile_id: string
  loan_product_version_id: string
  accounting_mode: string
  posting_rules: AccountingProfilePostingRule[]
  effective_from: string
  created_at: RFC3339
}

effective_from is the civil day the chart it describes starts governing. Without it, two events about one product version describe two different charts and nothing on the wire says which one governs a given month.

assignment_set.approved / assignment_set.accepted

Definition keys: assignment_set.approved, assignment_set.accepted

Topic: lerian.streaming.lender

Schema: 1.0.0

Subject: assignment_set_id

A cession composition is durably approved. The event identifies the immutable approval that determines the offer file.

type AssignmentSetApprovedDataV1 = {
  assignment_set_id: string
  assignment_fund_id: string
  approval_id: string
  approval_digest: string
  approval_schema_version: string
  valuation_version: string
  currency: string
  item_count: number
  total_assignment_price: DecimalString
  approved_by: string
  approved_at: RFC3339
  trail_observed_at: RFC3339
}

A fund administrator accepts the entire cession. The event reports the set-level money totals after the write-off of the receivables from the tenant portfolio.

type AssignmentSetAcceptedDataV1 = {
  assignment_set_id: string
  assignment_fund_id: string
  registry_provider: string
  provenance: string
  recorded_by: string
  accepted_at: RFC3339
  currency: string
  item_count: number
  total_face_value: DecimalString
  total_assignment_price: DecimalString
  total_discount_amount: DecimalString
}

collection.payment.*

Definition keys: collection.payment.applied, collection.payment.unapplied, collection.payment.reapplied, collection.payment.refunded

Topic: lerian.streaming.lender

Schema: 1.0.0

Subject: application_id

type CollectionPaymentDataV1 = {
  application_id: string
  notification_id: string
  instrument_id: string
  provider: string
  provider_account_id: string
  provider_payment_id: string
  received_amount: DecimalString
  applied_amount: DecimalString
  unapplied_amount: DecimalString
  refunded_amount?: DecimalString
  currency: string
  applied_transaction_id?: string
  repair_reason?: string
  refund_request_id?: string
  refund_transaction_id?: string
}

loan_application.submitted

Definition key: loan_application.submitted

Topic: lerian.streaming.lender

Schema: 2.0.0

Subject: loan_application_id

type LoanApplicationSubmittedDataV2 = {
  loan_application_id: string
  loan_product_version_id: string
  borrower_id: string
  assigned_officer_id: string
  status: string
  requested_principal_amount: DecimalString
  requested_interest_rate: DecimalString
  requested_installments: number
  expected_disbursement_date: RFC3339
  preview_profile_version: string
  preview_jurisdiction_code: string
  preview_schedule_snapshot_id: string
  created_at: RFC3339
  updated_at: RFC3339
}

loan_application.approved

Definition key: loan_application.approved

Topic: lerian.streaming.lender

Schema: 2.0.0

Subject: loan_application_id

type LoanApplicationApprovedDataV2 = {
  loan_application_id: string
  loan_product_version_id: string
  borrower_id: string
  assigned_officer_id: string
  status: string
  approved_amount: DecimalString
  approval_decision_id: string
  approval_decision_at: RFC3339
  approved_by: string
  requested_principal_amount: DecimalString
  preview_profile_version: string
  preview_jurisdiction_code: string
  updated_at: RFC3339
}

loan_application.rejected

Definition key: loan_application.rejected

Topic: lerian.streaming.lender

Schema: 2.0.0

Subject: loan_application_id

type LoanApplicationRejectedDataV2 = {
  loan_application_id: string
  loan_product_version_id: string
  borrower_id: string
  assigned_officer_id: string
  status: string
  rejection_decision_id: string
  rejection_decision_at: RFC3339
  rejected_by: string
  requested_principal_amount: DecimalString
  preview_profile_version: string
  preview_jurisdiction_code: string
  updated_at: RFC3339
}

loan_application.withdrawn

Definition key: loan_application.withdrawn

Topic: lerian.streaming.lender

Schema: 2.0.0

Subject: loan_application_id

type LoanApplicationWithdrawnDataV2 = {
  loan_application_id: string
  loan_product_version_id: string
  borrower_id: string
  assigned_officer_id: string
  status: string
  withdrawal_decision_id: string
  withdrawal_decision_at: RFC3339
  withdrawn_by: string
  requested_principal_amount: DecimalString
  preview_profile_version: string
  preview_jurisdiction_code: string
  updated_at: RFC3339
}

loan_application.disbursed

Definition key: loan_application.disbursed

Topic: lerian.streaming.lender

Schema: 2.0.0

Subject: loan_application_id

type LoanApplicationDisbursedDataV2 = {
  loan_application_id: string
  loan_product_version_id: string
  borrower_id: string
  assigned_officer_id: string
  status: string
  loan_account_id: string
  disbursement_event_id: string
  disbursement_transaction_id: string
  gross_requested_amount: DecimalString
  net_delivered_amount: DecimalString
  disbursed_at: RFC3339
  profile_version: string
  jurisdiction_extensions?: unknown
  preview_jurisdiction_code: string
  updated_at: RFC3339
}

loan_charge.applied

Definition key: loan_charge.applied

Topic: lerian.streaming.lender

Schema: 1.0.0

Subject: loan_account_id

type LoanChargeAppliedDataV1 = {
  request_id: string
  loan_account_id: string
  source_product_version_id: string
  charge_template_id: string
  charge_code: string
  charge_type: string
  amount: DecimalString
  rate: DecimalString
  currency: string
  account_created_at: RFC3339
  assessed_at: RFC3339
}

loan_product.created

Definition key: loan_product.created

Topic: lerian.streaming.lender

Schema: 1.0.0

Subject: loan_product_id

type LoanProductCreatedDataV1 = {
  loan_product_id: string
  name: string
  loan_type: string
  status: string
  jurisdiction_code: string
  current_version_id?: string
  created_at: RFC3339
}

loan_product.activated

Definition key: loan_product.activated

Topic: lerian.streaming.lender

Schema: 1.0.0

Subject: loan_product_id

type LoanProductActivatedDataV1 = {
  loan_product_id: string
  current_version_id: string
  status: string
  name: string
  loan_type: string
  jurisdiction_code: string
  created_at: RFC3339
}

loan_product.current_version_promoted

Definition key: loan_product.current_version_promoted

Topic: lerian.streaming.lender

Schema: 1.0.0

Subject: loan_product_id

The product is the aggregate after the repoint, so current_version_id is the new pin. Contracts already written keep the version they were born on; only new applications originate on the promoted one. promoted_by is the authenticated subject verbatim, and is empty when no human asked for the promotion.

type LoanProductCurrentVersionPromotedDataV1 = {
  loan_product_id: string
  current_version_id: string
  status: string
  name: string
  loan_type: string
  jurisdiction_code: string
  promoted_by: string
  promoted_at: RFC3339
}

loan_product_version.created

Definition key: loan_product_version.created

Topic: lerian.streaming.lender

Schema: 1.0.0

Subject: loan_product_version_id

type LoanProductVersionCreatedDataV1 = {
  loan_product_version_id: string
  loan_product_id: string
  jurisdiction_code: string
  jurisdictionExtensions?: unknown
  rate_mode: string
  floating_rate_table_id?: string
  floating_spread_bps: number
  fixed_annual_rate_bps: number
  requires_floating_rate: boolean
  min_annual_rate_bps?: number
  max_annual_rate_bps?: number
  created_at: RFC3339
}

min/max rate bands are absent when the version stores none. A version with no band emits neither key rather than a zero-to-zero band, which would read as “only 0% is allowed”.

loan_schedule.prepayment_applied

Definition key: loan_schedule.prepayment_applied

Topic: lerian.streaming.lender

Schema: 1.0.0

Subject: schedule_version_id

type LoanSchedulePrepaymentAppliedDataV1 = {
  loan_account_id: string
  schedule_version_id: string
  previous_schedule_version_id: string
  version_number: number
  reason: string
  trigger_transaction_id: string
  request_id: string
  payload_hash: string
  prepayment_amount: DecimalString
  effective_date: RFC3339
  business_date: RFC3339
  profile_version: string
  jurisdiction_code: string
  created_at: RFC3339
  installment_count: number
}

loan_schedule.rescheduled

Definition key: loan_schedule.rescheduled

Topic: lerian.streaming.lender

Schema: 1.0.0

Subject: schedule_version_id

type LoanScheduleRescheduledDataV1 = {
  loan_account_id: string
  schedule_version_id: string
  previous_schedule_version_id: string
  version_number: number
  reason: string
  trigger_transaction_id: string
  request_id: string
  payload_hash: string
  effective_date: RFC3339
  business_date: RFC3339
  first_rescheduled_due_date: RFC3339
  profile_version: string
  jurisdiction_code: string
  created_at: RFC3339
  installment_count: number
}

repayment.recorded

Definition key: repayment.recorded

Topic: lerian.streaming.lender

Schema: 1.0.0

Subject: transaction_id

type RepaymentAllocation = {
  installment_number: number
  due_date: RFC3339
  principal_amount: DecimalString
  interest_amount: DecimalString
  fees_amount: DecimalString
  penalties_amount: DecimalString
  total_amount: DecimalString
  fully_paid: boolean
}

type RepaymentRecordedDataV1 = {
  transaction_id: string
  loan_account_id: string
  request_id: string
  funding_mode: string
  paid_amount: DecimalString
  overpayment_amount: DecimalString
  effective_date: RFC3339
  created_at: RFC3339
  allocation_count: number
  allocations: RepaymentAllocation[]
}

returned_payment_receivable.opened / returned_payment_receivable.collected

Definition keys: returned_payment_receivable.opened, returned_payment_receivable.collected

Topic: lerian.streaming.lender

Schema: 1.0.0

Subject: receivable_id

Both facts project the same aggregate through one shared projection, so the two facts about one debt cannot describe it differently. Every field is always present: on .opened the three collection fields are empty strings, never absent and never null. Read status to tell the two states apart, not the emptiness of a field. reversal_transaction_id is unique per receivable and is the anchor a redelivery of the same reversal resolves to.

type ReturnedPaymentReceivableDataV1 = {
  receivable_id: string
  loan_account_id: string
  borrower_id: string
  original_transaction_id: string
  reversal_transaction_id: string
  currency: string
  amount: DecimalString
  status: string
  opened_at: RFC3339
  opened_on: string
  collected_at: RFC3339 | ""
  collected_on: string
  collected_by: string
}

repayment_reversal.recorded

Definition key: repayment_reversal.recorded

Topic: lerian.streaming.lender

Schema: 1.0.0

Subject: transaction_id

type RepaymentAllocation = {
  installment_number: number
  due_date: RFC3339
  principal_amount: DecimalString
  interest_amount: DecimalString
  fees_amount: DecimalString
  penalties_amount: DecimalString
  total_amount: DecimalString
  fully_paid: boolean
}

type RepaymentReversalRecordedDataV1 = {
  transaction_id: string
  original_transaction_id: string
  loan_account_id: string
  request_id: string
  paid_amount: DecimalString
  overpayment_amount: DecimalString
  effective_date: RFC3339
  created_at: RFC3339
  profile_version: string
  jurisdiction_code: string
  allocation_count: number
  allocations: RepaymentAllocation[]
}

loan_account.pdd_stage_transitioned

Definition key: loan_account.pdd_stage_transitioned

Topic: lerian.streaming.lender

Schema: 1.0.0

Subject: loan_account_id

type LoanAccountPDDStageTransitionedDataV1 = {
  loan_account_id: string
  transition_id: string
  from_stage: string
  to_stage: string
  accrual_state: string
  reason?: string
  effective_at: RFC3339
  business_date: RFC3339
  triggered_by?: string
  profile_version?: string
  jurisdiction_code?: string
  created_at: RFC3339
}

prepayment_quote.created

Definition key: prepayment_quote.created

Topic: lerian.streaming.lender

Schema: 1.0.0

Subject: quote_id

type PrepaymentQuoteCreatedDataV1 = {
  quote_id: string
  loan_account_id: string
  quote_type: string
  principal_outstanding: DecimalString
  interest_rebate: DecimalString
  charge_rebate: DecimalString
  iof_reconciliation: DecimalString
  gross_amount: DecimalString
  net_settlement_amount: DecimalString
  rebate_mandatory: boolean
  expires_at: RFC3339
  currency: string
  sla_due_at: RFC3339
  statement_available_at: RFC3339
  instrument_id: string
  instrument_type: string
  instrument_requested_at: RFC3339
  profile_version?: string
  jurisdiction_code?: string
  consumer_protection_regime?: string
  created_at: RFC3339
}

prepayment_settlement.recorded

Definition key: prepayment_settlement.recorded

Topic: lerian.streaming.lender

Schema: 1.0.0

Subject: settlement_id

type PrepaymentSettlementRecordedDataV1 = {
  settlement_id: string
  quote_id: string
  loan_account_id: string
  transaction_id: string
  schedule_version_id?: string
  settlement_type: string
  principal_outstanding: DecimalString
  interest_rebate: DecimalString
  charge_rebate: DecimalString
  iof_reconciliation: DecimalString
  gross_amount: DecimalString
  net_settlement_amount: DecimalString
  final_principal_amount: DecimalString
  final_interest_amount: DecimalString
  final_charge_amount: DecimalString
  final_iof_amount: DecimalString
  profile_version?: string
  jurisdiction_code?: string
  consumer_protection_regime?: string
  accepted_at: RFC3339
  created_at: RFC3339
}

loan_account.debt_balance_changed

Definition key: loan_account.debt_balance_changed

Topic: lerian.streaming.lender

Schema: 2.0.0

Subject: loan_account_id

type LoanAccountDebtBalanceChangedDataV2 = {
  loan_account_id: string
  numero_contrato: string
  reason: string
  revision: number
  balance_before: DecimalString
  balance_after: DecimalString
  currency: string
  valuation_version: string
  profile_version?: string
  jurisdiction_code?: string
  effective_at: RFC3339
  created_at: RFC3339
}

loan_account.payment_overdue

Definition key: loan_account.payment_overdue

Topic: lerian.streaming.lender

Schema: 1.0.0

Subject: loan_account_id

type LoanAccountPaymentOverdueDataV1 = {
  loan_account_id: string
  numero_contrato: string
  competencia: YYYYMM
  occurrence: number
  reason: string
  installment_number: number
  installment_due_date: RFC3339
  overdue_amount: DecimalString
  currency: string
  profile_version?: string
  jurisdiction_code?: string
  detected_at: RFC3339
  resolved_at?: RFC3339
  created_at: RFC3339
}

consignado.exclusao.requested

Definition key: consignado.exclusao.requested

Topic: lerian.streaming.lender.commands

Schema: 1.0.0

Subject: request_ref

type ConsignadoExclusaoRequestedDataV1 = {
  request_ref: string
  settlement_id: string
  loan_account_id: string
  contract_id: string
  numero_contrato: string
  motivo_exclusao: string
  settled_at: RFC3339
}

consignado.redirecionamento.requested

Definition key: consignado.redirecionamento.requested

Topic: lerian.streaming.lender.commands

Schema: 1.0.0

Subject: request_ref

type ConsignadoRedirecionamentoRequestedDataV1 = {
  request_ref: string
  numero_contrato: string
  source_vinculo_ref: string
  target_vinculo_ref: string
  target_matricula: string
  target_cnpj: string
  target_esocial_category: string
  disruption_status: string
  effective_at: RFC3339
}

payroll_deduction.refund_required

Definition key: payroll_deduction.refund_required

Topic: lerian.streaming.lender

Schema: 1.0.0

Subject: receipt_id

type PayrollDeductionRefundRequiredDataV1 = {
  receipt_id: string
  account_id: string
  product_version_id: string
  payoff_effective_at: RFC3339
  receipt_settled_at: RFC3339
  amount: DecimalString
  currency: string
  required_at: RFC3339
}

payroll_overdeduction.refund_required

Definition key: payroll_overdeduction.refund_required

Topic: lerian.streaming.lender

Schema: 1.0.0

Subject: refund_case_id

type PayrollOverdeductionRefundRequiredDataV1 = {
  refund_case_id: string
  loan_account_id: string
  product_version_id: string
  numero_contrato: string
  competencia: YYYYMM
  detecting_run_id: string
  amount: DecimalString
  currency: string
  reversal_source_reference: string
  required_at: RFC3339
}

collection.instruction.issued

Definition key: collection.instruction.issued

Topic: lerian.streaming.lender

Schema: 1.0.0

Subject: instrument_id

type CollectionInstructionIssuedDataV1 = {
  instrument_id: string
  loan_account_id: string
  instruction_ref: string
  agent_name: string
  agent_account_id: string
  kind: string
  numero_contrato: string
  competencia?: YYYYMM
  amount: DecimalString
  currency: string
  issued_at: RFC3339
  valid_until: RFC3339
}

guarantee_recovery.cash_allocated

Definition key: guarantee_recovery.cash_allocated

Topic: lerian.streaming.lender

Schema: 1.0.0

Subject: receipt_id

type GuaranteeRecoveryCashAllocatedDataV1 = {
  receipt_id: string
  loan_account_id: string
  disruption_ref: string
  source_sequence: number
  cash_source: string
  amount: DecimalString
  repayment_applied: DecimalString
  prepayment_applied: DecimalString
  unapplied: DecimalString
  currency: string
  settled_at: RFC3339
}

Cataloged but not emitted

These three definitions are present in the manifest but have no non-test Lender emission caller. Do not treat their lender-sourced forms as operational integrations.

Definition key	Derived ce-type (not emitted)	Stream	Status
consignado.averbacao.confirmed	studio.lerian.lender.consignado_averbacao.confirmed	Fact	Registered, not emitted today, and no Lender consumer subscribes to it either. Tracked in LerianStudio/lender#442. Consignado emits the operational fact with ce-source: consignado-gw.
consignado.averbacao.rejected	studio.lerian.lender.consignado_averbacao.rejected	Fact	Reserved Lender-source mirror. Lender consumes this fact from the gateway; see Events consumed. Consignado emits the operational fact with ce-source: consignado-gw.
consignado.reconciliation.received	studio.lerian.lender.consignado_reconciliation.received	Fact	Reserved Lender-source mirror. Lender consumes this fact from the gateway; see Events consumed. Consignado emits the operational fact with ce-source: consignado-gw.

Events consumed

Lender wires 15 gateway fact keys from lerian.streaming.consignado-gw and one Matcher fact from lerian.streaming.matcher. Each consumer is configuration-gated and registered in bootstrap.

Producer	Definition key	ce-type
consignado-gw	consignado.contract.registered	studio.lerian.consignado-gw.consignado_contract.registered
consignado-gw	consignado.disbursement.confirmed	studio.lerian.consignado-gw.consignado_disbursement.confirmed
consignado-gw	consignado.averbacao.rejected	studio.lerian.consignado-gw.consignado_averbacao.rejected
consignado-gw	consignado.employment_status.reported	studio.lerian.consignado-gw.consignado_employment_status.reported
consignado-gw	consignado.redirecionamento.confirmed	studio.lerian.consignado-gw.consignado_redirecionamento.confirmed
consignado-gw	consignado.redirecionamento.rejected	studio.lerian.consignado-gw.consignado_redirecionamento.rejected
consignado-gw	consignado.reconciliation.received	studio.lerian.consignado-gw.consignado_reconciliation.received
consignado-gw	consignado.exclusao.confirmed	studio.lerian.consignado-gw.consignado_exclusao.confirmed
consignado-gw	consignado.exclusao.rejected	studio.lerian.consignado-gw.consignado_exclusao.rejected
consignado-gw	consignado.contract_correction.available	studio.lerian.consignado-gw.consignado_contract_correction.available
consignado-gw	consignado.disbursement_correction.available	studio.lerian.consignado-gw.consignado_disbursement_correction.available
consignado-gw	consignado_portabilidade.efetivada	studio.lerian.consignado-gw.consignado_portabilidade.efetivada
consignado-gw	consignado_portabilidade.rejeitada	studio.lerian.consignado-gw.consignado_portabilidade.rejeitada
consignado-gw	consignado_refinanciamento.efetivado	studio.lerian.consignado-gw.consignado_refinanciamento.efetivado
consignado-gw	consignado_refinanciamento.revertido	studio.lerian.consignado-gw.consignado_refinanciamento.revertido
matcher	match_run.completed	studio.lerian.matcher.match_run.completed

The gateway has emission paths for the first 13 listed gateway keys. The portability pair reaches Lender only when its outcome consumer is enabled and the deployed gateway manifest declares the event. The manifest does not declare the two refinance outcomes, so those two listeners receive no traffic from the current gateway runtime. Lender does not register consignado.proposal.accepted. That key is not a Lender booking input.

Internal event planes

Lender also writes internal outbox event types for ledger intents, collection work, and signed hub handoffs. They are process-local coordination contracts, not lib-streaming CloudEvents catalog entries. This public inventory omits them on purpose.

Delivery and compatibility rules

• Deduplicate by (ce-source, ce-id) and make handlers idempotent.
• Read ce-schemaversion before decoding. The version is a CloudEvents header, never a topic suffix.
• Money and rates are decimal strings. Timestamps are UTC RFC 3339.
• The wired fact consumers filter exact keys. They skip and commit unmatched facts on the shared application topics. Malformed handled records follow the consumer DLQ policy.
• A missing required business identifier prevents emission or command execution. Lender never synthesizes it.