Why Lerian

Understand how Lerian helps financial institutions modernize core banking without vendor lock-in: a source-available ledger, modular products, and flexible deployment.

Modern financial institutions face a common set of challenges. Legacy systems cost too much to maintain, and they adapt too slowly. They also lock you into vendors who dictate the roadmap.

Lerian gives you back control.

New to core banking? If terms like Ledger, debit and credit, or chart of accounts are new to you, start with the fundamentals first. They make everything here easier to follow.

Begin with Core Banking Fundamentals

The problems we solve

---

Challenge	How Lerian helps
Vendor lock-in	Midaz, our core ledger, is , so you own the foundation of your infrastructure. No single vendor controls your roadmap
Slow time-to-market	Modular platform lets you launch new products in weeks, not months
Compliance burden	Built-in audit trails, regulatory reporting, and immutable records reduce manual compliance work
Reconciliation errors	Automated reconciliation replaces manual spreadsheet matching, catching discrepancies in real time
Operational cost	Replace multiple disconnected systems with one composable platform
Scaling limitations	Handle millions of transactions per day without re-platforming

What the platform includes

---

Business need	Lerian product	What it does
Central financial record-keeping	Midaz	Manages accounts, balances, and transactions with full audit trails
Regulatory and business reporting	Reporter	Generates compliance reports (BACEN, SOX) and business analytics automatically
Transaction reconciliation	Matcher	Compares internal records against bank statements and payment processors — flags discrepancies
Real-time transaction controls	Tracer	Validates transactions against spending limits and business rules before they execute
Workflow automation	Flowker	Automates approval flows, anti-fraud checks, and payment orchestration
Credit products and loan management	Lender	Defines loan products and manages the loan lifecycle — applications, disbursement, and interest accrual

Console, Access Manager, Streaming Hub, Multi-tenancy, and Observability are platform services. They serve every product and are not products themselves.

Platform service	What it does
Console	Operates every Lerian product from one web interface, with one login
Access Manager	Controls human and machine access, and issues the tokens each service trusts
Streaming Hub	Delivers platform events to your webhooks, cloud queues, or pull consumers
Multi-tenancy	Serves independent customer contexts from one deployment, and keeps each request inside its own tenant
Observability	Collects metrics, traces, and logs from Lerian workloads through OpenTelemetry

Deployment flexibility

---

You choose how to run the platform:

• Fully managed (SaaS): Lerian handles everything. Your team focuses on configuration and business logic. Fastest path to production.
• Your infrastructure (BYOC): Deploy in your own cloud or on-premises. Full control over data residency, security, and compliance boundaries.

Both options support the full product portfolio. Choose based on your regulatory requirements and operational maturity.

Compare deployment models in detail →

Built for trust and independence

---

• Source-available core: Midaz, our ledger, is source-available. Inspect, audit, and extend the core that holds your money
• No vendor lock-in: Standard interfaces and open formats across the platform. You can always move
• Compliance-ready: Immutable audit trails, double-entry enforcement, and regulatory reporting ship built in
• Incremental adoption: Start with one product and expand as needed. No big-bang migration required

Who uses Lerian

---

• Digital banks launching new financial products
• Traditional banks modernizing legacy cores incrementally
• Fintechs building embedded finance and payment platforms
• Enterprises consolidating payments, collections, and reconciliation across business units

Next steps

---

Our Core Banking vision

Understand the four pillars that form our architectural philosophy.

Read the vision

Getting started

Choose your path: evaluate the platform or start building.

Start here

Deployment models

Understand the differences between fully managed and self-hosted deployment.

Compare options

Talk to us

Talk to us about your questions or a partnership.

Get in touch