What is Tracer

Tracer is Lerian’s real-time spending control and transaction validation product. It enables financial institutions to enforce custom rules, dynamic limits, and governance policies at scale—integrating directly with Midaz to block risky transactions, reduce fraud, and maintain compliance without impacting performance.

Why use Tracer?

Tracer gives you precise control over how transactions are validated across your financial ecosystem. With sub-50ms response times and flexible configuration, it lets you detect anomalies, enforce policies, and support regulatory requirements—without compromising user experience.

At its core, Tracer provides two foundational capabilities:

• Validation rules: Context-aware rules that consider time, merchant category, velocity, geography, and more.
• Dynamic spending limits: Configurable limits per transaction, per account, per portfolio, or per organization—with real-time monitoring and automatic resets.

Solving control and compliance challenges

Tracer helps institutions stay ahead of fraud, misuse, and policy breaches. Whether you need to cap spending, block suspicious activity, or satisfy audit expectations, Tracer brings the flexibility, speed, and governance required for modern financial operations.

Key capabilities

• Real-time validation with response times under 50ms
• Highly granular rule management:
  • Merchant categories (MCC)
  • Time-of-day and calendar restrictions
  • Velocity and volume controls
  • Geographic constraints
• Dynamic spending limits:
  • Per transaction, account, portfolio, or organization
  • Daily, weekly, monthly, or custom periods
• Real-time usage tracking with auto-expiry
• Tamper-proof audit logs and rule history
• Usage analytics and performance insights
• Multi-tenant architecture with strict data isolation

Usage examples

Tracer is ideal when you need to apply adaptive guardrails to how money moves in your institution.

• Fraud prevention: Block suspicious or atypical transactions in real time
• Spending governance: Enforce internal or customer-level spending policies
• Regulatory compliance: Produce audit-ready logs and ensure traceability
• Customer protection: Control overspending and mitigate misuse instantly

Integrations across the Lerian ecosystem

As a core Lerian product, Tracer integrates naturally with other components:

• Midaz – Validate and enforce rules before ledger posting
• CRM – Enrich validations using customer profiles and account attributes
• Fee Engine – Enforce cost thresholds and apply fee-based logic
• Flowker – Trigger validations inside orchestrated workflows

Tracer is part of the Lerian platform and works seamlessly with Midaz and other core financial products.