# US • USD corridor

This section provides the **field-level data requirements for creating `identityIDs`** in the **US • USD corridor**.

`identityIDs` represent **originators (senders)** and **beneficiaries (recipients)**. The required fields depend on:

* **Identity Type:** Originator or Beneficiary
* **Use Case:** Individual or Business
* **Payout Method:** ACH, RTP, or Wire


Ripple provides **JSON schemas** (via the [Payment Data Requirements Utility](/products/payments-direct-2/v2025.11/api-docs/integration-resources/payment-data-requirements-form)) and matching **field reference tables** that define:

* Which fields are required or optional
* How each field is described in plain language
* Any validations applied (length limits, regex patterns, enumerated values)


## How to use this section

1. Select a payout method (**ACH**, **RTP**, or **Wire**).
2. Open the method page to view four tables, one for each combination of **Identity Type** and **Use Case:**
  * Originator • Individual
  * Originator • Business
  * Beneficiary • Individual
  * Beneficiary • Business
3. Use the field reference tables (or the corresponding JSON schemas from the Utility) when constructing your `identityID`.


Validation Success
These resources ensure your identity payloads meet corridor-specific requirements and pass validation in the Payments Direct 2.0 API.

## Available payout methods in US • USD

### ACH (Automated Clearing House)

* **Use case:** Payouts into domestic bank accounts in the U.S. via US ACH (NACHA).
* **Reference:** [US • USD • ACH Field Reference](/products/payments-direct-2/v2025.11/api-docs/integration-resources/us-usd/ach-field-reference)
* **Highlights:** Requires routing number (ABA), account number, and account currency.


### RTP (Real-Time Payments)

* **Use case:** Near real-time payouts into domestic bank accounts in the U.S. via **RTP** or **FedNow**, depending on the beneficiary bank’s capabilities.
* **Reference:** [US • USD • RTP Field Reference](/products/payments-direct-2/v2025.11/api-docs/integration-resources/us-usd/rtp-field-reference)
* **Highlights:** Requires account information and additional validations for RTP routing.


### Wire (Fedwire)

* **Use case:** Payouts into domestic bank accounts in the U.S. via **Fedwire**, outside of ACH or RTP rails.
* **Reference:** [US • USD • Wire Field Reference](/products/payments-direct-2/v2025.11/api-docs/integration-resources/us-usd/fedwire-field-reference)
* **Highlights:** Requires bank name and account details; field set differs slightly from ACH and RTP.