Lender events

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

Lender publishes CloudEvents 1.0 in binary content mode through Lerian’s streaming library. 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

Lender emits 54 events: 53 facts and 1 command. 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.
assignment_set.cancelled	studio.lerian.lender.assignment_set.cancelled	Fact	1.0.0	assignment_set_id	A cession whose approval was announced is called off.
assignment_receivable.accepted	studio.lerian.lender.assignment_receivable.accepted	Fact	1.0.0	receivable_ref	A fund administrator accepts one receivable of a cession, in a partial or a whole acceptance.
assignment_receivable.cut	studio.lerian.lender.assignment_receivable.cut	Fact	1.0.0	receivable_ref	One receivable leaves an approved cession and is not ceded in it.
assignment_fund.registered	studio.lerian.lender.assignment_fund.registered	Fact	1.0.0	assignment_fund_id	A fund registration creates a fund.
assignment_fund.updated	studio.lerian.lender.assignment_fund.updated	Fact	1.0.0	assignment_fund_id	A fund registration replaces an existing fund and keeps its identifier.
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 or approved 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 or already disbursed application.
loan_application.b3_registered	studio.lerian.lender.loan_application.b3_registered	Fact	1.0.0	loan_application_id	A client informs Lender of the B3 instrument code of a contract it registered at B3.
loan_charge.applied	studio.lerian.lender.loan_charge.applied	Fact	1.1.0	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.archived	studio.lerian.lender.loan_product.archived	Fact	1.0.0	loan_product_id	A loan product is archived.
loan_product.unarchived	studio.lerian.lender.loan_product.unarchived	Fact	1.0.0	loan_product_id	A loan product is unarchived.
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 reversal opens a borrower debt for held cash that the refund desk already paid back.
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.
returned_payment_receivable.written_off	studio.lerian.lender.returned_payment_receivable.written_off	Fact	1.0.0	receivable_id	A debt that aged to the final stage of its product’s ladder is written off.
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.payoff_refund_recorded	studio.lerian.lender.loan_account.payoff_refund_recorded	Fact	1.0.0	refund_id	A client records a refund it paid to a borrower outside Lender, from interest or held cash a payoff owed back.
loan_account.written_off	studio.lerian.lender.loan_account.written_off	Fact	1.0.0	write_off_id	A direct-credit loan account is written off as a credit loss.
loan_account.credit_loss_recovered	studio.lerian.lender.loan_account.credit_loss_recovered	Fact	1.0.0	recovery_id	Money a written-off borrower pays later settles the old debt.
loan_account.credit_loss_recovery_reversed	studio.lerian.lender.loan_account.credit_loss_recovery_reversed	Fact	1.0.0	recovery_id	An operator gives a recovery of a written-off loan account back.
loan_account.write_off_collection_ended	studio.lerian.lender.loan_account.write_off_collection_ended	Fact	1.0.0	write_off_id	The client operator declares that collection of a written-off loan account ended.
loan_account.write_off_control_released	studio.lerian.lender.loan_account.write_off_control_released	Fact	1.0.0	write_off_id	The rest of a write-off’s control leaves the books.
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.
loan_account.problem_asset_assessed	studio.lerian.lender.loan_account.problem_asset_assessed	Fact	1.0.0	loan_account_id	A credit operator declares, with evidence, whether a Brazilian loan account is a problem asset for a qualitative reason.
loan_account.problem_asset_reassessment_overdue	studio.lerian.lender.loan_account.problem_asset_reassessment_overdue	Fact	1.0.0	loan_account_id	A standing qualitative problem-asset characterization outlives the re-assessment horizon of its product version.
consignado.exclusao.requested	studio.lerian.lender.consignado_exclusao.requested	Command	1.0.0	request_ref	Lender requests cancellation of a Consignado contract after settlement.
payroll_deduction.refund_required	studio.lerian.lender.payroll_deduction.refund_required	Fact	1.1.0	receipt_id	Payroll cash that arrives after a payoff, or after a refinance took the contract off the book, creates a borrower refund obligation.
payroll_overdeduction.refund_required	studio.lerian.lender.payroll_overdeduction.refund_required	Fact	1.1.0	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.
collection.instruction.withdrawn	studio.lerian.lender.collection_instruction.withdrawn	Fact	1.0.0	instrument_id	Lender withdraws a collection instruction because its installment was credited another way, or because the fund early-settlement instruction of a refinanced sold contract was withdrawn.
collection.payment.applied	studio.lerian.lender.collection_payment.applied	Fact	1.0.0	application_id	A verified collection payment is conserved and applied to one loan financial path.
collection.payment.unapplied	studio.lerian.lender.collection_payment.unapplied	Fact	1.0.0	application_id	A verified collection payment is conserved as unapplied cash, with a repair reason.
collection.payment.reapplied	studio.lerian.lender.collection_payment.reapplied	Fact	1.0.0	application_id	Unapplied collection cash is released into receivables, with no second cash receipt.
collection.payment.refunded	studio.lerian.lender.collection_payment.refunded	Fact	1.0.0	application_id	Unapplied collection cash is refunded to the borrower, by the provider or by the client’s treasury.
collection.payment.routed_to_fund	studio.lerian.lender.collection_payment.routed_to_fund	Fact	1.0.0	application_id	Unapplied payment cash of a contract sold under art. 28 leaves for the fund’s passthrough desk. refunded_amount carries it.
collection.payment.routed_to_retained	studio.lerian.lender.collection_payment.routed_to_retained	Fact	1.0.0	application_id	Unapplied arrear cash of a contract sold under art. 28 leaves as the client’s own pre-cut instalment on the passthrough desk. refunded_amount carries it.
consignado.booking.quarantined	studio.lerian.lender.consignado_booking.quarantined	Fact	1.0.0	contract_id	Lender quarantines the booking of an averbado contract until an operator clears it.
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. 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. The risk_retention field names the retention regime the cession was booked under. The retained_fraction field is the share of the expected loss the institution keeps after the sale.

type AssignmentSetAcceptedDataV1 = {
  assignment_set_id: string
  assignment_fund_id: string
  registry_provider: string
  risk_retention: string
  retained_fraction: DecimalString
  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
}

assignment_set.cancelled

Definition key: assignment_set.cancelled

Topic: lerian.streaming.lender

Schema: 1.0.0

Subject: assignment_set_id

A cession whose approval was announced is called off, and the set stops holding every receivable still in it. A set called off before its approval publishes nothing. reason is abandoned, member_ineligible, counterparty_declined, superseded or operator_removed_all_lines. The event is emitted once. No order is guaranteed against assignment_receivable.cut.

type AssignmentSetCancelledDataV1 = {
  assignment_set_id: string
  assignment_fund_id: string
  from_state: string
  reason: string
  cancelled_by: string
  cancelled_at: RFC3339
}

assignment_receivable.accepted

Definition key: assignment_receivable.accepted

Topic: lerian.streaming.lender

Schema: 1.0.0

Subject: receivable_ref

A fund administrator accepts one receivable of a cession, in a partial or a whole acceptance. receivable_ref names the contract as the fund’s registry knows it. offered_receivable_ref is the number the offer file and the return file carry. The two are equal unless the registry renamed the receivable later. The event is emitted once per receivable.

type AssignmentReceivableAcceptedDataV1 = {
  assignment_set_id: string
  receivable_ref: string
  offered_receivable_ref: string
  fund_tax_id: string
  assignment_fund_id: string
  accepted_at: RFC3339
}

assignment_receivable.cut

Definition key: assignment_receivable.cut

Topic: lerian.streaming.lender

Schema: 1.0.0

Subject: receivable_ref

One receivable leaves an approved cession and is not ceded in it. exit_source is remessa when the fund refuses the receivable in its return file, and operator when the client operator takes the line out through an exception case. repeated_cut_brake is true when this cut reaches the repeated-cut limit of the fund and opens a case. The brake applies to the pair of fund and receivable: the receivable stays out of offers to that fund until an operator resolves the case, and stays offerable to any other fund. The event is emitted once per receivable. No order is guaranteed against assignment_set.cancelled.

type AssignmentReceivableCutDataV1 = {
  assignment_set_id: string
  receivable_ref: string
  offered_receivable_ref: string
  assignment_fund_id: string
  fund_tax_id: string
  exit_source: string
  exit_reason: string
  repeated_cut_brake: boolean
  cut_at: RFC3339
}

assignment_fund.registered / assignment_fund.updated

Definition keys: assignment_fund.registered, assignment_fund.updated

Topic: lerian.streaming.lender

Schema: 1.0.0

Subject: assignment_fund_id

assignment_fund.registered fires when a registration creates the fund. assignment_fund.updated fires when a registration replaces a fund under its fund_tax_id and keeps its assignment_fund_id. Both carry the same payload, so a subscriber that never saw the first can project the fund from the second.

type AssignmentFundRegistryDataV1 = {
  assignment_fund_id: string
  fund_tax_id: string
  fund_name: string
  updated_at: RFC3339
}

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
  disbursed_by?: string
}

disbursed_by is the operator who released the disbursement. It can differ from assigned_officer_id and is absent when no operator released it.

loan_application.b3_registered

Definition key: loan_application.b3_registered

Topic: lerian.streaming.lender

Schema: 1.0.0

Subject: loan_application_id

A client, as bancarizadora, registered the CCB of a contract at B3 and informed Lender the instrument code (Código IF). Lender commands nothing at any registradora. The event is published once per contract. registration_date and ccb_number are absent when the client did not inform them.

type LoanApplicationB3RegisteredDataV1 = {
  loan_application_id: string
  instrument_code: string
  registration_date?: string
  ccb_number?: string
  recorded_by: string
  recorded_at: RFC3339
}

loan_charge.applied

Definition key: loan_charge.applied

Topic: lerian.streaming.lender

Schema: 1.1.0

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
  billed_installment_number?: number
  billed_due_date?: RFC3339
}

billed_installment_number and billed_due_date name the installment the charge is billed on. Both are absent on a charge recorded before charges were billed. They are present from 1.1.0.

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. The promoted_by field holds the authenticated subject verbatim. It 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.archived

Definition key: loan_product.archived

Topic: lerian.streaming.lender

Schema: 1.0.0

Subject: loan_product_id

The product is the aggregate after the change, so status is its new status. The archived_by field holds the authenticated subject verbatim. It is empty when no human asked for the change.

type LoanProductArchivedDataV1 = {
  loan_product_id: string
  current_version_id?: string
  status: string
  name: string
  loan_type: string
  jurisdiction_code: string
  archived_by: string
  archived_at: RFC3339
}

loan_product.unarchived

Definition key: loan_product.unarchived

Topic: lerian.streaming.lender

Schema: 1.0.0

Subject: loan_product_id

The product is the aggregate after the change, so status is its new status. The unarchived_by field holds the authenticated subject verbatim. It is empty when no human asked for the change.

type LoanProductUnarchivedDataV1 = {
  loan_product_id: string
  current_version_id?: string
  status: string
  name: string
  loan_type: string
  jurisdiction_code: string
  unarchived_by: string
  unarchived_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
  jurisdiction_extensions?: 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
  admitted_borrower_kinds: string[]
  terms: VersionTerms
  created_at: RFC3339
}

type VersionTerms = {
  amortization_systems: string[]
  payment_periodicities: string[]
  day_count: string
  amount_anchors: string[]
  origination_fronts: string[]
  credit_instrument_mode: string
  admits_assignment: boolean
  refinance?: { rate_policy: string }
  prepayment_mode: string
  late_payment?: {
    fine_pct: DecimalString
    default_interest_monthly: DecimalString
    grace_days: number
  }
  limits: {
    min_principal?: DecimalString
    max_principal?: DecimalString
    min_term_months?: number
    max_term_months?: number
    min_installments?: number
    max_installments?: number
  }
  payoff_quote_validity_hours?: number
}

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”. The admitted_borrower_kinds field is always present. An empty array means the version admits no borrower.

terms holds the version terms in the shape of the API. refinance, late_payment and payoff_quote_validity_hours are absent when the version does not set them, and so is an unset bound of limits.

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
  financed_tax_amount: DecimalString
}

financed_tax_amount is the tax the reschedule levied and financed into principal. It is 0.00 when none.

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 / returned_payment_receivable.written_off

Definition keys: returned_payment_receivable.opened, returned_payment_receivable.collected, returned_payment_receivable.written_off

Topic: lerian.streaming.lender

Schema: 1.0.0

Subject: receivable_id

The three facts project the same aggregate through one shared projection, so two facts about one debt cannot describe it differently. Every field is always present. A field that does not apply yet holds an empty string. It is never absent and never null. Read status to tell the states apart, not the emptiness of a field.

The stage and provision_amount fields carry the aging of the debt. The provision_consumed and loss fields split the write-off. The reversal_transaction_id field is unique per receivable and is the anchor that 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
  stage: string
  provision_amount: DecimalString
  written_off_at: RFC3339 | ""
  written_off_on: string
  provision_consumed: DecimalString | ""
  loss: DecimalString | ""
}

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
}

instrument_id, instrument_type and instrument_requested_at are absent when the held cash covers the payoff.

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
  accrued_interest: DecimalString
  interest_concession: DecimalString
  late_charges: DecimalString
  fees: DecimalString
  interest_to_refund: DecimalString
  held_cash_applied: DecimalString
  held_cash_to_refund: DecimalString
  profile_version?: string
  jurisdiction_code?: string
  consumer_protection_regime?: string
  accepted_at: RFC3339
  created_at: RFC3339
}

net_settlement_amount plus held_cash_applied equals final_principal_amount plus accrued_interest plus final_charge_amount plus final_iof_amount plus late_charges plus fees. final_interest_amount is disclosure only (Portaria MTE 435/2025 art. 17): it is forgiven future interest, never accrued and never part of the settlement cash. interest_to_refund is interest receipts paid past the exit of the payoff, owed back to the borrower. held_cash_to_refund is what the payoff left of the held cash.

loan_account.payoff_refund_recorded

Definition key: loan_account.payoff_refund_recorded

Topic: lerian.streaming.lender

Schema: 1.0.0

Subject: refund_id

A client paid a borrower, outside Lender, interest or held cash that a payoff owed back, and the refund cleared that much held cash.

type LoanAccountPayoffRefundRecordedDataV1 = {
  refund_id: string
  loan_account_id: string
  request_id: string
  amount: DecimalString
  amount_to_refund: DecimalString
  amount_refunded: DecimalString
  amount_outstanding: DecimalString
  refunded_at: RFC3339
}

loan_account.written_off

Definition key: loan_account.written_off

Topic: lerian.streaming.lender

Schema: 1.0.0

Subject: write_off_id

A direct-credit loan account is written off as a credit loss (Res. CMN 4.966 art. 49). The held cash pays the debt first, the entry clears the book against the withheld income and the provision, and the contract leaves the book.

type LoanAccountWrittenOffDataV1 = {
  write_off_id: string
  loan_account_id: string
  written_off_at: RFC3339
  reason: string
  recorded_by: string
  currency: string
  carrying_amount: DecimalString
  held_cash_applied: DecimalString
  withheld_derecognized: DecimalString
  provision_consumed: DecimalString
  additional_loss: DecimalString
  provision_released: DecimalString
}

loan_account.credit_loss_recovered

Definition key: loan_account.credit_loss_recovered

Topic: lerian.streaming.lender

Schema: 1.0.0

Subject: recovery_id

Money a written-off borrower pays later settles the old debt. The event splits the amount into what settles the write-off, the new revenue and its tax, the control released and the debt that remains.

type LoanAccountCreditLossRecoveredDataV1 = {
  recovery_id: string
  write_off_id: string
  loan_account_id: string
  received_at: RFC3339
  recorded_by: string
  currency: string
  amount: DecimalString
  untaxed_amount: DecimalString
  taxed_amount: DecimalString
  tax_amount: DecimalString
  control_released: DecimalString
  remaining_after: DecimalString
}

loan_account.credit_loss_recovery_reversed

Definition key: loan_account.credit_loss_recovery_reversed

Topic: lerian.streaming.lender

Schema: 1.0.0

Subject: recovery_id

An operator gives a recovery back. The revenue, the tax and the control the recovery booked are reversed, and the debt stays standing.

type LoanAccountCreditLossRecoveryReversedDataV1 = {
  recovery_id: string
  write_off_id: string
  loan_account_id: string
  reversed_at: RFC3339
  reversed_by: string
  currency: string
  amount: DecimalString
  tax_amount: DecimalString
  control_reopened: DecimalString
  remaining_debt: DecimalString
}

loan_account.write_off_collection_ended / loan_account.write_off_control_released

Definition keys: loan_account.write_off_collection_ended, loan_account.write_off_control_released

Topic: lerian.streaming.lender

Schema: 1.0.0

Subject: write_off_id

loan_account.write_off_collection_ended fires when the client operator declares that collection of a written-off loan account ended (Res. CMN 4.966 art. 49 par. 1). loan_account.write_off_control_released fires when the rest of the write-off’s control leaves the books, at the later of 5 years after the write-off and the declared end of collection. control_released is the amount released.

type LoanAccountWriteOffCollectionEndedDataV1 = {
  write_off_id: string
  loan_account_id: string
  collection_ended_at: RFC3339
  recorded_by: string
}

type LoanAccountWriteOffControlReleasedDataV1 = {
  write_off_id: string
  loan_account_id: string
  released_on: string
  currency: string
  control_released: DecimalString
}

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
}

loan_account.problem_asset_assessed

Definition key: loan_account.problem_asset_assessed

Topic: lerian.streaming.lender

Schema: 1.0.0

Subject: loan_account_id

Lender emits it on both verdicts. A declaration with characterizes_problem_asset set to false is the only way to withdraw an earlier characterization.

type LoanAccountProblemAssetAssessedDataV1 = {
  assessment_id: string
  loan_account_id: string
  trigger: string
  source: string
  evidence_reference: string
  characterizes_problem_asset: boolean
  declared_by: string
  evaluated_on: string
  created_at: RFC3339
}

loan_account.problem_asset_reassessment_overdue

Definition key: loan_account.problem_asset_reassessment_overdue

Topic: lerian.streaming.lender

Schema: 1.0.0

Subject: loan_account_id

This fact is a call to review. It changes nothing on the contract: the stage, the provision, and the income-recognition decision stay as they were. Lender emits it once per contract per business date, and a declaration of either verdict ends it.

type LoanAccountProblemAssetReassessmentOverdueDataV1 = {
  loan_account_id: string
  business_date: string
  trigger: string
  last_assessed_on: string
  horizon_days: number
  days_overdue: number
}

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
}

payroll_deduction.refund_required

Definition key: payroll_deduction.refund_required

Topic: lerian.streaming.lender

Schema: 1.1.0

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
  refunded_total?: DecimalString
  currency: string
  required_at: RFC3339
}

amount is this event’s refund: the first refund, or one growth. A growth emits one more event with the same receipt_id. refunded_total holds the refunds of the receipt after this event; on the first event it equals amount. It is absent on 1.0.0 events. A subscriber that deduplicates by receipt_id keys on (receipt_id, refunded_total) instead: a replay repeats the pair, and a growth carries a higher total.

payroll_overdeduction.refund_required

Definition key: payroll_overdeduction.refund_required

Topic: lerian.streaming.lender

Schema: 1.1.0

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
  refunded_total?: DecimalString
  currency: string
  reversal_source_reference: string
  required_at: RFC3339
}

amount is this event’s refund: the opening amount of the case, or one growth. A growth emits one more event with the same refund_case_id. refunded_total holds the amount of the case after this event; on the opening event it equals amount. It is absent on 1.0.0 events. A subscriber that deduplicates by refund_case_id keys on (refund_case_id, refunded_total) instead: a replay repeats the pair, and a growth carries a higher total.

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
}

collection.instruction.withdrawn

Definition key: collection.instruction.withdrawn

Topic: lerian.streaming.lender

Schema: 1.0.0

Subject: instrument_id

Lender withdrew a collection instruction that the client’s collection agent holds, because the installment was credited another way, or because the fund early-settlement instruction of a refinanced sold contract was withdrawn. In the second case reason is fund_settlement_withdrawn and competencia is empty. The agent withdraws (baixa) that boleto. Only a channel appointed to handle withdrawal receives the event. It names no amount and no replacement: what the borrower still owes arrives as its own collection.instruction.issued event.

type CollectionInstructionWithdrawnDataV1 = {
  instrument_id: string
  loan_account_id: string
  instruction_ref: string
  agent_name: string
  agent_account_id: string
  numero_contrato: string
  competencia: YYYYMM | ""
  reason: string
  withdrawn_at: RFC3339
}

collection.payment.applied

Definition key: collection.payment.applied

Topic: lerian.streaming.lender

Schema: 1.0.0

Subject: application_id

Every collection.payment.* event keeps the conservation rule: applied_amount + unapplied_amount + refunded_amount equals received_amount. An absent refunded_amount is zero.

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
}

applied_amount is positive, refunded_amount is absent, and applied_transaction_id is set.

collection.payment.unapplied

Definition key: collection.payment.unapplied

Topic: lerian.streaming.lender

Schema: 1.0.0

Subject: application_id

It carries the same payload as collection.payment.applied. unapplied_amount is positive, refunded_amount is absent, and repair_reason is set.

collection.payment.reapplied

Definition key: collection.payment.reapplied

Topic: lerian.streaming.lender

Schema: 1.0.0

Subject: application_id

It carries the same payload as collection.payment.applied. applied_amount is positive, refunded_amount is absent, and applied_transaction_id is set.

collection.payment.refunded

Definition key: collection.payment.refunded

Topic: lerian.streaming.lender

Schema: 1.0.0

Subject: application_id

It carries the same payload as collection.payment.applied. refunded_amount is positive, unapplied_amount is 0, and refund_request_id and refund_transaction_id are set.

collection.payment.routed_to_fund

Definition key: collection.payment.routed_to_fund

Topic: lerian.streaming.lender

Schema: 1.0.0

Subject: application_id

It carries the same payload as collection.payment.applied.

collection.payment.routed_to_retained

Definition key: collection.payment.routed_to_retained

Topic: lerian.streaming.lender

Schema: 1.0.0

Subject: application_id

It carries the same payload as collection.payment.applied.

consignado.booking.quarantined

Definition key: consignado.booking.quarantined

Topic: lerian.streaming.lender

Schema: 1.0.0

Subject: contract_id

Lender quarantined the booking of an averbado contract until an operator clears it. reason is terminal_refusal or attempt_budget_exhausted.

type ConsignadoBookingQuarantinedDataV1 = {
  contract_id: string
  numero_contrato: string
  reason: string
  quarantined_at: 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
  refund: DecimalString
  currency: string
  settled_at: RFC3339
}

refund is the severance cash above the debt, paid back to the worker. amount equals the sum of repayment_applied, prepayment_applied, unapplied and refund.

​

Cataloged but not emitted

These two 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.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 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.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
consignado-gw	consignado_migracao.efetivada	studio.lerian.consignado-gw.consignado_migracao.efetivada
consignado-gw	consignado_renegociacao.efetivada	studio.lerian.consignado-gw.consignado_renegociacao.efetivada
consignado-gw	consignado_garantia.block_failed	studio.lerian.consignado-gw.consignado_garantia.block_failed
matcher	match_run.completed	studio.lerian.matcher.match_run.completed

For a refinancing, Lender books the new contract only when consignado.refinanciamento.efetivado carries novo_contrato. Without that block, Lender quarantines the fact for operational intervention. 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 entries of the event catalog. 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.