# Cdtr

The `Cdtr` object contains information about the creditor (also known as the beneficiary) such as their name, contact information, and address.
This information is provided using objects nested within the `Cdtr` object.

Note
When you're creating an identity, the `Cdtr` object fields you need to include may vary based on the data required for a specific beneficiary country and currency.
For more information, see [Get data requirements](/products/payments-direct/api-docs/tutorials/create-an-identity#get-data-requirements).

The beneficiary you are paying may be an individual or a business. See the following sections for the `Cdtr` object schemas for each beneficiary type.

## Business beneficiary schema

See the table below, or download the [business beneficiary Cdtr schema](/assets/cdtr-business.1ed71067a86ce4b713df30fe7563b4376aa02ace9fa7cec3b45cec0cac0c145a.3ea817e8.json).

details
summary
Expand to see the Cdtr object schema for a business beneficiary.
## Individual beneficiary schema

See the table below, or download the [individual beneficiary Cdtr schema](/assets/cdtr-individual.ac93b83b5cc45e9584dfd4c3f5e53ebafb2ae4c22a1b6dfc12c13da8cc19d69b.3ea817e8.json).

details
summary
Expand to see the Cdtr object schema for an individual beneficiary.