# Japan (JPY) Transaction Data Requirements

JPY payouts to Japan use the `JP_ZENGIN` financial instrument. For the beneficiary account fields (`bankName`, `bankCode`, `branchCode`, `accountNumber`, `accountType`, `accountHolderName`), see [Financial instruments](/products/payments-direct-2/introduction/concepts/financial-instruments) and the [Payload Schema Utility](/products/payments-direct-2/api-docs/integration-resources/payload-schema-utility). Look up Zengin bank codes in the [Bank Codes](/products/payments-direct-2/api-docs/integration-resources/ripple-bank-codes) resource.

The following transaction-level fields apply to all JPY payments to Japan via Zengin.

| Field  | Description  | Required | Type | Constraints  |
|  --- | --- | --- | --- | --- |
| `purposeCode` | Purpose of payment | Required | ENUM | See [valid values](#purpose-of-payment-codes) below |
| `paymentMemo` | Payment purpose remarks | Required | STRING | Max 100 characters. Required for compliance; not forwarded to the beneficiary. |
| `sourceOfCash` | Source of funds | Required | ENUM | See [valid values](#source-of-cash-codes) below |
| `receiverRelationship` | Relationship to the debtor | Required | ENUM | See [valid values](#beneficiary-relationship-codes) below |


## Purpose of payment codes

Valid `purposeCode` values depend on whether the originator is a business or an individual.

### Business-to-business and business-to-individual (B2B, B2B2B, B2B2C, B2C)

| Code | Description |
|  --- | --- |
| `ACCT` | Account management |
| `BEXP` | Business expenses |
| `CASH` | Cash management transfer |
| `CISC` | Construction |
| `CMDT` | Commodity transfer |
| `COMM` | Commission |
| `GDDS` | Purchase or sale of goods |
| `HLTC` | Health care |
| `INSU` | Insurance |
| `INVS` | Investment and securities |
| `IPDO` | Donation |
| `LOAN` | Loan |
| `OTHR` | Other |
| `PSFR` | Travel |
| `REAB` | Real estate |
| `RENT` | Rent |
| `SALA` | Salary payment |
| `SCTS` | Purchase or sale of services, translation |
| `STDY` | Research expenses |
| `TAXS` | Tax payment |
| `TRAD` | Trade services |


### Individual-to-business and individual-to-individual (C2B2B, C2B2C)

| Code | Description |
|  --- | --- |
| `ACCT` | Account management |
| `CHAR` | Charity payment |
| `CMDT` | Commodity transfer |
| `COMM` | Commission |
| `COST` | Living expense |
| `EDUC` | Education |
| `FAMI` | Family support |
| `GDDS` | Purchase or sale of goods |
| `GIFT` | Gift |
| `HLTC` | Health care |
| `INSU` | Insurance |
| `INVS` | Investment and securities |
| `IPDO` | Donation |
| `LOAN` | Loan |
| `OTHR` | Other |
| `PENS` | Pension |
| `PSFR` | Travel |
| `REAB` | Real estate |
| `RENT` | Rent |
| `SALA` | Salary payment |
| `SCTS` | Purchase or sale of translation service |
| `STDY` | Research expenses |
| `TAXS` | Tax payment |


## Source of cash codes

Valid `sourceOfCash` values depend on whether the originator is a business or an individual.

### Business-to-business and business-to-individual (B2B, B2B2B, B2B2C, B2C)

| Code | Description |
|  --- | --- |
| `CASH` | Loan drawdown |
| `COMP` | Rental income |
| `REST` | Property sale |
| `RETA` | Company profit |
| `SEAQ` | Company sale |
| `SVGS` | Investment |


### Individual-to-business and individual-to-individual (C2B2B, C2B2C)

| Code | Description |
|  --- | --- |
| `CASH` | Loan drawdown |
| `COMP` | Rental income |
| `EMIN` | Employment income |
| `GIFT` | Gift |
| `REST` | Property sale |
| `SEAQ` | Company sale |
| `SELF` | Self-employment income |
| `SVGS` | Investment |


## Beneficiary relationship codes

Valid `receiverRelationship` values depend on whether the originator is a business or an individual. They do not depend on the beneficiary type.

### Business-to-business and business-to-individual (B2B, B2B2B, B2B2C, B2C)

| Code | Description |
|  --- | --- |
| `CUST` | Customer |
| `EMPL` | Employee |
| `FRAN` | Investment company |
| `HOLD` | Holding company |
| `LEND` | Loan provider |
| `OTHR` | Consultant |
| `PART` | Contractor |
| `SUPP` | Supplier of goods |
| `VEND` | Service provider |


### Individual-to-business and individual-to-individual (C2B2B, C2B2C)

| Code | Description |
|  --- | --- |
| `CHIL` | Child |
| `FREN` | Friend |
| `OTHR` | Other |
| `PARE` | Parent |
| `PART` | Business partner |
| `SELF` | Self |
| `SIBL` | Sibling |
| `SPOU` | Spouse or partner |
| `SUPP` | Supplier |
| `VEND` | Service provider |