> ## Documentation Index > Fetch the complete documentation index at: https://docs.lerian.studio/llms.txt > Use this file to discover all available pages before exploring further. # Create loan product accounting profile > Configures the accounting profile for a loan product version that belongs to the path loan product. ## OpenAPI ````yaml /es/openapi/v3-current/lender.yaml post /api/v1/loan-products/{id}/accounting-profiles openapi: 3.1.0 info: contact: email: contact@lerian.studio name: Lerian Studio url: https://lerian.studio description: >- Code-first OpenAPI 3.1 surface for the Lender service. Routes that move money are at-most-once per X-Idempotency: when one answers 5xx, the X-Idempotency-Fenced response header says whether that key is now refusing resends (true) or free to retry (false or absent). See docs/contracts/money-route-idempotency.md. license: name: Lerian Studio General License title: Lender API version: 1.0.0 servers: - url: https://lender.sandbox.lerian.net security: - BearerAuth: [] tags: - description: >- Caller session projection: validated subject and effective permissions for the presented token. name: Session - description: >- Ledger accounting operations: journal entries and accrual postings for loan accounts. name: Accounting - description: >- Loan application intake and lifecycle: submission, decisioning, and status. name: LoanApplications - description: >- Loan product catalog: definition, versioning, and activation of lending products. name: LoanProducts - description: >- Loan account servicing operations: balances, schedules, and account-level actions. name: Loan Accounts - description: >- Portfolio dashboard read operations: aggregated portfolio and performance views. name: Dashboard - description: >- Jurisdiction registry: supported jurisdiction profiles and their capabilities. name: Jurisdictions - description: >- Jurisdiction-specific loan application operations (Brazil origination surface). name: Loan Applications - description: >- Tax computation operations for jurisdiction-specific lending (e.g. Brazil IOF). name: Tax - description: >- Brazil consignado privado operations: contract lifecycle, exclusion repair, and compensating adjustments. name: Consignado - description: >- Credit-instrument document template registry: versioned drafting and publication of CCB clausulado. name: DocumentTemplates paths: /api/v1/loan-products/{id}/accounting-profiles: post: tags: - LoanProducts summary: Create loan product accounting profile description: >- Configures the accounting profile for a loan product version that belongs to the path loan product. operationId: createLoanProductAccountingProfile parameters: - description: Loan product identifier. in: path name: id required: true schema: description: Loan product identifier. examples: - 550e8400-e29b-41d4-a716-446655440000 format: uuid type: string requestBody: content: application/json: schema: $ref: '#/components/schemas/ConfigureAccountingProfileHumaInputBody' required: true responses: '201': content: application/json: schema: $ref: '#/components/schemas/AccountingProfileHumaBody' description: Created '401': content: application/problem+json: schema: $ref: '#/components/schemas/Detail' description: Unauthorized '403': content: application/problem+json: schema: $ref: '#/components/schemas/Detail' description: Forbidden '422': content: application/problem+json: schema: $ref: '#/components/schemas/Detail' description: Unprocessable Entity '500': content: application/problem+json: schema: $ref: '#/components/schemas/Detail' description: Internal Server Error '503': content: application/problem+json: schema: $ref: '#/components/schemas/Detail' description: Service Unavailable default: content: application/problem+json: schema: $ref: '#/components/schemas/Detail' description: Error components: schemas: ConfigureAccountingProfileHumaInputBody: additionalProperties: false properties: accountingMode: description: Accounting recognition mode. enum: - accrual - cash examples: - accrual type: string loanProductVersionId: description: Loan product version identifier. examples: - 550e8400-e29b-41d4-a716-446655440001 format: uuid type: string midazLedgerId: description: >- Optional per-product Midaz ledger the profile's postings route into; both-or-neither with midazOrganizationId. Required under multi-tenant mode; empty single-tenant profiles fall back to the env default. examples: - ledger-def maxLength: 128 type: string midazOrganizationId: description: >- Optional per-product Midaz organization the profile's postings route into; both-or-neither with midazLedgerId. Required under multi-tenant mode; empty single-tenant profiles fall back to the env default. examples: - org-abc maxLength: 128 type: string postingRules: description: >- Non-null GL account mappings per accounting event. New profiles require disbursement, repayment, prepayment, accrual, collection_unapplied, collection_reapply, and collection_refund; accrual_tax, accrual_fee_amortization, assignment_derecognition, assignment_retained_settlement, assignment_repurchase, refinance_payoff, refinance_payoff_reversal, provision_constitution, provision_reversal, renegotiation_gain, renegotiation_loss, renegotiation_derecognition and renegotiation_recognition are optional. A product whose receivables are ever assigned to a fund MUST carry assignment_derecognition: the cession flip and its write-off are both-or-nothing, so an acceptance over a product without it refuses and queues an exception case. It MUST also carry assignment_retained_settlement to be sellable mid-cycle: an instalment that fell due before the cession cut stays with the assignor, and this rule names the account it is reclassified into at acceptance and liquidated out of when its payroll repasse lands. Without it an acceptance over a receivable that retains one refuses instead of selling flow the fund did not buy. A product whose sold receivables can be settled early by the bancarizador (a refinance) MUST carry assignment_repurchase: without it the fund-settlement receipt is refused, because flipping the contract back onto this book with nothing to recognize the asset against is the failure the both-or-nothing rule exists to stop. A product that is refinanced MUST also carry refinance_payoff and refinance_payoff_reversal, which discharge the old contract against the bancarizador warehouse advance and restore it if the rail undoes the swap inside its regret window. A product that retains an origination fee at disbursement MUST carry accrual_fee_amortization, and its disbursement rule MUST carry the optional origination_fee component credit leg: the fee is withheld from the borrower's cash at t0 and earned back as yield over the life, so without them the fee has no account to be deferred in and none to be earned out of, and every centavo of it is refused rather than falling back onto the borrower's interest receivable. A product booked under Brazilian credit-loss rules MUST carry provision_constitution and provision_reversal: the engine measures every contract's provision on every business date and posts the movement against the previous measurement, so a product without them accrues a measured provision that never reaches the ledger. A product whose contracts are renegotiated under Res. CMN 4.966/2021 art. 22 MUST carry renegotiation_gain and renegotiation_loss: a NON-substantial modification settles the difference between the modified payments and the carrying amount immediately, and a product with neither computes an adjustment with nowhere to book it. It MUST carry renegotiation_derecognition and renegotiation_recognition to be renegotiated SUBSTANTIALLY: that modification ends the old contract and mints a new one, so the two halves post separately against a bridge account, and a product missing either would derecognise a contract with nothing recognised in its place. items: $ref: '#/components/schemas/PostingRuleHumaInputBody' maxItems: 20 minItems: 7 type: array required: - loanProductVersionId - accountingMode - postingRules type: object AccountingProfileHumaBody: additionalProperties: false properties: accountingMode: description: Accounting recognition mode (accrual|cash). examples: - accrual type: string createdAt: description: Creation timestamp (RFC3339, UTC). examples: - '2026-06-14T12:00:00Z' type: string effectiveFrom: description: >- First civil day (YYYY-MM-DD) this chart of accounts governs, always a month start. A posting is booked against the chart in force for the competência it belongs to, never the day the run happened. A version configured before dated configuration reads 1900-01-01, because it was the only chart that version ever had. examples: - '1900-01-01' type: string id: description: Server-assigned accounting profile identifier (uuid). examples: - 550e8400-e29b-41d4-a716-446655440003 type: string loanProductVersionId: description: Loan product version this profile is configured for (uuid). examples: - 550e8400-e29b-41d4-a716-446655440001 type: string postingRules: description: Persisted GL account mappings, one per accounting event. items: $ref: '#/components/schemas/AccountingPostingRuleHumaBody' type: - array - 'null' required: - id - loanProductVersionId - accountingMode - postingRules - effectiveFrom - createdAt type: object Detail: additionalProperties: false properties: code: description: >- Stable, machine-readable domain error code scoped to the emitting service (format: -NNNN). type: string detail: description: >- A human-readable explanation specific to this occurrence of the problem. examples: - Property foo is required but is missing. type: string errors: description: Optional list of individual error details items: $ref: '#/components/schemas/ErrorDetail' type: - array - 'null' instance: description: >- A URI reference that identifies the specific occurrence of the problem. examples: - https://example.com/error-log/abc123 format: uri type: string status: description: HTTP status code examples: - 400 format: int64 type: integer title: description: >- A short, human-readable summary of the problem type. This value should not change between occurrences of the error. examples: - Bad Request type: string type: default: about:blank description: A URI reference to human-readable documentation for the error. examples: - https://example.com/errors/example format: uri type: string upstream: $ref: '#/components/schemas/Upstream' description: >- RFC 9457 extension member: the error a proxied third-party provider reported. Absent unless the emitting service explicitly surfaced one. type: object PostingRuleHumaInputBody: additionalProperties: false properties: eventType: description: Accounting event type. enum: - disbursement - repayment - prepayment - accrual - accrual_tax - accrual_fee_amortization - collection_unapplied - collection_reapply - collection_refund - assignment_derecognition - assignment_retained_settlement - assignment_repurchase - refinance_payoff - refinance_payoff_reversal - provision_constitution - provision_reversal - renegotiation_gain - renegotiation_loss - renegotiation_derecognition - renegotiation_recognition examples: - disbursement type: string legs: description: >- Non-null ordered posting legs. Prepayment requires exactly five legs in this component order: cash, charge_rebate, iof_refund, principal, iof_due; cash is a required debit, principal is a required credit, and the three component legs are optional with the corresponding sides. Assignment_derecognition requires exactly five legs in this component order: cash, assignment_loss, principal, assignment_interest, assignment_gain; cash is a required debit, principal is a required credit, and the assignment_interest credit and the two result legs are optional with the corresponding sides. The assignment_interest leg names the account the accrual rule debits: a sold receivable leaves at its amortized cost, which is principal plus the interest already recognized as income and not yet received, so both positions are relieved by the write-off. Assignment_retained_settlement requires exactly two legs in this order: a required cash debit and a required assignment_retained credit. Assignment_repurchase mirrors assignment_derecognition and requires exactly four legs in this order: a required principal debit, an optional assignment_loss debit, a required counterparty credit and an optional assignment_gain credit. Refinance_payoff requires exactly two legs in this order: a required counterparty debit and a required principal credit; refinance_payoff_reversal requires the mirror, a required principal debit and a required counterparty credit. Accrual_fee_amortization requires exactly two legs in this order: a required origination_fee component debit and a required interest role credit, neither optional. The debit account MUST be the same account the disbursement rule credits under its optional origination_fee component leg, because that is where the retained fee was parked at t0 and the only account releasing it can close. Renegotiation_gain requires exactly two legs in this order: a required principal debit and a required renegotiation_gain credit; renegotiation_loss requires the mirror, a required renegotiation_loss debit and a required principal credit. Renegotiation_derecognition requires exactly three legs in this component order: counterparty, renegotiation_loss, renegotiation_gain; the counterparty debit is required and the two result legs are optional with the corresponding sides. It names NO asset leg, deliberately: which accounts a contract stops holding when it leaves the book is read from the ledger on the day, one leg per account that holds anything, so it cannot be declared here. The counterparty leg carries what moves to the replacement contract; on a contract a non-substantial renegotiation has already re-carried, the ledger holds more than the borrower owes and the result legs carry the difference, which is why a product cannot map this event without naming both result accounts. Every position a borrower can carry must be mapped to a per-operation account, or this event is refused at posting time because the ledger cannot say what one contract holds; renegotiation_recognition requires exactly two legs in this order: a required principal debit and a required counterparty credit. Other events require at least one debit and one credit. items: $ref: '#/components/schemas/PostingLegHumaInputBody' maxItems: 16 minItems: 2 type: array metadata: additionalProperties: type: string description: Optional metadata. type: object required: - eventType - legs type: object AccountingPostingRuleHumaBody: additionalProperties: false properties: eventType: description: Accounting event type, one of the values the request body admits. examples: - disbursement type: string legs: description: Persisted ordered posting legs. items: $ref: '#/components/schemas/AccountingPostingLegBody' type: array metadata: additionalProperties: type: string description: Optional metadata carried with the rule. type: object required: - eventType - legs - metadata type: object ErrorDetail: additionalProperties: false properties: location: description: >- Where the error occurred, e.g. 'body.items[3].tags' or 'path.thing-id' type: string message: description: Error message text type: string value: description: The value at the given location type: object Upstream: additionalProperties: false properties: code: description: The upstream provider's own error code, verbatim. examples: - E4001 type: string message: description: >- The upstream provider's own error message, verbatim (bounded, never its raw response body). examples: - account not found at provider type: string type: object PostingLegHumaInputBody: additionalProperties: false properties: account: description: GL account for this leg. examples: - 1100.10.001 maxLength: 128 type: string component: description: Open withholding component code (e.g. "iof"); set this XOR role. examples: - iof maxLength: 64 type: string optional: description: >- Whether a component amount may be omitted or zero at posting time. Permitted only on component legs; omitted defaults to false. type: boolean perOperation: description: >- Whether this leg books into a per-operation account (borrower position) instead of one aggregated per product. When true, "account" is a prefix limited to 17 characters of letters, digits, '_', '.' and '-'; omitted defaults to false (aggregated). type: boolean role: description: Reserved economic role of this leg; set this XOR component. enum: - principal - interest - iof - tax - cash - unapplied_cash - counterparty - suspense examples: - principal type: string side: description: Whether this leg debits or credits the account. enum: - debit - credit examples: - debit type: string required: - account - side type: object AccountingPostingLegBody: additionalProperties: false properties: account: description: GL account for this leg. examples: - 1100.10.001 type: string component: description: Open withholding component code (set XOR role). examples: - iof type: string optional: description: >- Whether the component amount may be absent or zero for a generated posting. type: boolean perOperation: description: >- Whether this leg books into a per-operation account (borrower position) rather than one aggregated per product. type: boolean role: description: Reserved economic role of this leg (set XOR component). enum: - principal - interest - iof - tax - cash - unapplied_cash - counterparty - suspense examples: - principal type: string side: description: Whether this leg debits or credits the account. enum: - debit - credit examples: - debit type: string required: - account - side - optional - perOperation type: object securitySchemes: BearerAuth: bearerFormat: JWT description: JWT bearer token issued by the identity provider. scheme: bearer type: http ````