Financial Flow

This section outlines the flow of funds through the system, detailing how transactions are received, processed, and managed across various accounts.

• A - Transactions: Deposits and Withdrawals are received by the LEDGER through API requests.
• B - Fee Handling: LEDGER captures the transaction fee virtually but registers only the gross amount in its balance. Fees are configured by the Merchant.
• C - Core Banking Transactions: Transactions occur in the CORE BANKING system on the transactional account with the gross amount. Each brand has its own transactional and proprietary account.
• D - Account Management: PIX and internal transfers are facilitated by core banking features to manage account balances.
• E - Fee Deduction: Monthly, all transactional fees are deducted from the Merchant’s proprietary account.
• F - External Operations: External payments, transfers, or reserve account operations can be managed from the proprietary account via core banking.