> ## 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. # Supersede loan product chart of accounts > Replaces the chart of accounts every configured version of this loan product books against, from a stated month forward. One action, one effective date, every affected version written together or none. A version with no chart is not touched: giving it a first one is the separate configure action, and this route requires its own permission because replacing a live chart moves balances on every live contract. ## OpenAPI ````yaml /es/openapi/v3-current/lender.yaml post /api/v1/loan-products/{id}/accounting-profiles/supersessions 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). 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. Operations under /api/v1/internal are back-office operations for the client's operators: they require a person's login, and a service credential gets 403. 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. Operations under /api/v1/internal are back-office operations for the client's operators: they require a person's login, and a service credential gets 403. name: Consignado - description: >- Inbound record quarantine. Operations under /api/v1/internal are back-office operations for the client's operators: they require a person's login, and a service credential gets 403. name: Streaming - description: >- Credit-instrument document template registry: versioned drafting and publication of CCB clausulado. name: DocumentTemplates paths: /api/v1/loan-products/{id}/accounting-profiles/supersessions: post: tags: - LoanProducts summary: Supersede loan product chart of accounts description: >- Replaces the chart of accounts every configured version of this loan product books against, from a stated month forward. One action, one effective date, every affected version written together or none. A version with no chart is not touched: giving it a first one is the separate configure action, and this route requires its own permission because replacing a live chart moves balances on every live contract. operationId: supersedeLoanProductAccountingProfile 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/SupersedeAccountingProfileHumaInputBody' required: true responses: '201': content: application/json: schema: $ref: '#/components/schemas/SupersedeAccountingProfileHumaBody' 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 '404': content: application/problem+json: schema: $ref: '#/components/schemas/Detail' description: Not Found '409': content: application/problem+json: schema: $ref: '#/components/schemas/Detail' description: Conflict '413': content: application/problem+json: schema: $ref: '#/components/schemas/Detail' description: Request Entity Too Large '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 '504': content: application/problem+json: schema: $ref: '#/components/schemas/Detail' description: Gateway Timeout default: content: application/problem+json: schema: $ref: '#/components/schemas/Detail' description: >- Any other status this operation may carry, rendered as a problem document — including a refusal produced ahead of the service, such as a gateway or ingress answering on its behalf. components: schemas: SupersedeAccountingProfileHumaInputBody: additionalProperties: false properties: accountingMode: description: Accounting recognition mode. enum: - accrual examples: - accrual type: string effectiveFrom: description: >- First civil day (YYYY-MM-DD) the new chart governs. Always a month start, and always a month that has not opened by tomorrow, so on the last day of a month the earliest is the 1st of the month after next: a chart landing inside the open competência would change the accounts of a month already partly accrued, and one landing on a posted month could never be corrected — the ledger dedupes a replayed month on a key that does not carry which chart produced the posting, so the correction is built, sent, and dropped in silence. examples: - '2026-08-01' format: date type: string midazLedgerId: description: >- Optional per-product Midaz ledger the new chart's postings route into; may be omitted beside midazOrganizationId, and the new chart books into the ledger the product books into in that organization today. A chart change never creates or moves the product's ledger: a chart resolving to another organization or ledger than the one it replaces is refused (LENDER-0443). examples: - ledger-def maxLength: 128 type: string midazOrganizationId: description: >- Optional per-product Midaz organization the new chart's postings route into. examples: - org-abc maxLength: 128 type: string postingRules: description: >- The complete new chart, in the same shape the configure route admits. It must keep every borrower position booked per operation, and must keep every per-operation position the outgoing chart had: a position the new chart stops booking leaves the balance already sitting there with nowhere to go, and the double entry would never complain. Every shared balance account the outgoing chart books (an allowance, a payable, cash) keeps its account and its sharing mode, because no balance transfer moves a shared account; revenue and expense accounts may move. items: $ref: '#/components/schemas/PostingRuleHumaInputBody' maxItems: 33 minItems: 10 type: array required: - effectiveFrom - accountingMode - postingRules type: object SupersedeAccountingProfileHumaBody: additionalProperties: false properties: charts: description: The new chart written for every affected version, one per version. items: $ref: '#/components/schemas/AccountingProfileHumaBody' type: array effectiveFrom: description: First civil day (YYYY-MM-DD) the new chart governs. examples: - '2026-08-01' type: string loanProductId: description: The product whose chart changed (uuid). examples: - 550e8400-e29b-41d4-a716-446655440000 type: string movedPositions: description: >- Every per-operation position that changes account. Each one produces a balance-transfer posting on the effective date, on every live contract of every affected version, so no contract ends with its balance split across two accounts. Empty means the change files nothing anywhere new. items: $ref: '#/components/schemas/ChartPositionMoveHumaBody' type: array required: - loanProductId - effectiveFrom - charts - movedPositions type: object Detail: additionalProperties: true 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 - accrual_withholding - collection_unapplied - collection_reapply - collection_refund - assignment_derecognition - assignment_retained_settlement - assignment_secured_borrowing - assignment_funding_amortization - assignment_funding_payoff - assignment_repurchase - refinance_payoff - refinance_payoff_reversal - provision_constitution - provision_reversal - renegotiation_gain - renegotiation_loss - renegotiation_derecognition - renegotiation_recognition - returned_payment_recognition - returned_payment_provision_constitution - returned_payment_provision_reversal - returned_payment_write_off - payroll_payer_provision_constitution - payroll_payer_provision_reversal - compensation_control - charge_appropriation - credit_loss_recovery 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. The refinance_payoff posting also credits the interest the old contract owed through the swap to the accrual rule's interest receivable. 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; a sold contract's assignment_derecognition debits it for the fee still deferred. Accrual_withholding requires exactly two interest role legs in this order: a required debit on the account, and per-operation flag, the accrual rule debits, and a required credit on rendas a apropriar, one shared account, never per-operation, other than the accrual rule's revenue, because the contract a substantial renegotiation mints recognises the withheld interest of the one it replaces from that same account; a sold contract's assignment_derecognition debits that credit account for the rendas a apropriar it still carries. Assignment_funding_amortization requires exactly three legs in this component order: assignment_funding, assignment_funding_expense, assignment_funding_repasse; the assignment_funding debit and the assignment_funding_repasse credit are required and the assignment_funding_expense debit is optional, because a cession priced AT face has a zero effective rate and honestly posts two. The repasse leg is a PAYABLE to the fund and never cash: the borrower's deduction lands on the assignor's own rail account and a human repasses it days later, so crediting cash here would show money leaving before it leaves. Assignment_funding_payoff is that shape plus a fourth leg, an optional assignment_funding_gain credit, in this component order: assignment_funding, assignment_funding_expense, assignment_funding_repasse, assignment_funding_gain. What ends a cession early is the amount the fund AGREED to take, so unlike a monthly repasse it can land BELOW the obligation, and the deságio that stops being appropriable over a term that has just ended is credited there. Exactly one of the expense and gain legs ever carries an amount, and at an agreed amount equal to the obligation neither does. A monthly repasse cannot produce a gain and is refused for declaring one. The assignment_funding debit account MUST be the same account assignment_secured_borrowing credits under its own assignment_funding leg, for the reason the deferred origination fee names one account at both ends: an obligation raised in one account and discharged from another posts balanced entries for the life of the cession while the first never closes and the second goes negative by the whole price. Renegotiation_gain requires exactly two legs in this order: a required per-operation renegotiation_adjustment component debit and a required renegotiation_gain credit; renegotiation_loss requires the mirror, a required renegotiation_loss debit and a required per-operation renegotiation_adjustment credit. Both name the same adjustment account, apart from principal, interest receivable, rendas a apropriar and the deferred fee. 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 AccountingProfileHumaBody: additionalProperties: false properties: accountingMode: description: Accounting recognition mode (accrual). 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 books on the chart that holds the contract's balance: the one in force on the day the contract opened, until a chart change's transfer moves the contract onto the new chart. 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 midazLedgerId: description: >- Midaz ledger this chart's postings book into: the one the request named, or the one Lender chose when the request named only the organization. Absent when midazOrganizationId is absent. examples: - ledger-def type: string midazOrganizationId: description: >- Midaz organization this chart's postings book into. Absent on a single-tenant chart that falls back to the env default. examples: - org-abc 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 ChartPositionMoveHumaBody: additionalProperties: false properties: amountCode: description: The position that moved, in the vocabulary the posting legs use. examples: - principal type: string fromAccount: description: The account it is booked at under the outgoing chart. examples: - 1100-10-001 type: string toAccount: description: The account it is booked at under the incoming chart. examples: - 1100-20-001 type: string required: - amountCode - fromAccount - toAccount 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, as its Midaz alias: at most 50 letters, digits, ':', '_' and '-', with an optional leading '@', or @external/ (LENDER-0429 otherwise). 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 nature: description: >- The account's own nature, not this leg's side: debit for an asset or expense, credit for a liability, equity or revenue. A contra account takes its own nature (rendas a apropriar is credit), and the art. 22 renegotiation adjustment is a contra-asset of credit nature. The ledger fixes the account's balance direction from it when the account is first created, and it never changes; every leg naming one account must declare the same nature. enum: - debit - credit examples: - debit 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 instead of one aggregated per product. A borrower position (principal, interest, fees, penalties, unapplied_cash, assignment_retained, returned_payment) must be per operation, except a revenue or expense leg and the accrual_withholding credit to rendas a apropriar; a sale's assignment_interest leg books the accrual's interest receivable, same account and same flag (LENDER-0408 otherwise). 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 - nature 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 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 nature: description: >- The account's own nature (debit or credit), as the chart declares it. enum: - debit - credit 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 - nature type: object securitySchemes: BearerAuth: bearerFormat: JWT description: JWT bearer token issued by the identity provider. scheme: bearer type: http ```` This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.