# CdtrAcct

The `CdtrAcct` object contains information that identifies the `Cdtr`'s account where the payment sent to the `Cdtr` will be posted after the transaction is successful. In this object, you'll provide details such as the currency of the account, the account number in the applicable format.

See the table below, or download the [CdtrAcct schema](/assets/cdtracct.b43789d59f963f1606c9e5bc76a2a10d7d68b17e2da7cd05fcaecfc68dea322f.3ea817e8.json).

Note
When you're creating an identity, the `CdtrAcct` 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).


```json
{
  "$ref": "#/components/schemas/cdtracct",
  "components": {
    "schemas": {
      "cdtracct": {
        "schema": "http://json-schema.org/draft-06/schema#",
        "id": "file://po11#",
        "title": "RippleNet Payment Object - Supporting Information Schema",
        "description": "RippleNet Payment Object - Supporting Information Schema, Version 1.1.7",
        "type": "object",
        "additionalProperties": false,
        "properties": {
          "CdtrAcct": {
            "type": "object",
            "description": "Unambiguous identification of the account of the creditor to which a credit entry will be posted as a result of the payment transaction.",
            "required": [
              "Id"
            ],
            "properties": {
              "Ccy": {
                "type": "string",
                "description": "Currency for the Creditor Account",
                "pattern": "^[A-Z]{3,3}$"
              },
              "Id": {
                "type": "object",
                "description": "Identifier for the Creditor account.",
                "properties": {
                  "IBAN": {
                    "type": "string",
                    "pattern": "^([a-zA-Z0-9_-]){15,35}$",
                    "description": "Holds the Creditor account number in International Bank Account Number (IBAN) format.\n\nUsage Guidelines:\n\n• If you specify `IBAN`, do not specify `Othr.Id`.\n\n• This field is used in conjunction with `CdtrAgt.FinInstnId.BICFI`. Example IBAN: `GB29NWBK60161331926819`."
                  },
                  "Othr": {
                    "type": "object",
                    "properties": {
                      "SchmeNm": {
                        "type": "object",
                        "description": "Name of the account identification scheme.",
                        "properties": {
                          "Cd": {
                            "type": "string",
                            "description": "Identifier of an account, as assigned by the account servicer, list based on a combination of ExternalAccountIdentification1Code and AccountIdentification30Choice ISO 20022 Lists. For more information, see [ExternalCodeSets2Q2020August2020](https://www.iso20022.org/sites/default/files/2020-08/ExternalCodeSets_2Q2020_August2020_v1.xlsx).\n\nUsage Guidelines:\n\n• Do not specify `Othr.SchmeNm.Cd` if you do not specify `Othr.Id`.\n\nExamples values: \n\n• Bank account transfer: `BBAN`\n\n• Cash payout: `CASH`",
                            "minItems": 1,
                            "maxItems": 1,
                            "enum": [
                              "AIIN",
                              "BBAN",
                              "CARD",
                              "CASH",
                              "CASHD2D",
                              "CUID",
                              "UPIC",
                              "EMail",
                              "MSISDN",
                              "Dmst",
                              "Other"
                            ],
                            "x-enumDescriptions": {
                              "AIIN": "Issuer Identification Number",
                              "BBAN": "Basic Bank Account Number",
                              "CARD": "PAN of the Card identifying the account",
                              "CASH": "Cash Payments",
                              "CASHD2D": "Cash door-to-door delivery",
                              "CUID": "CHIPS Universal Identifier",
                              "UPIC": "Universal Payment Indentification Code",
                              "EMail": "Email Address",
                              "MSISDN": "Mobile Subscriber Integrated Service Digital Network, (i.e. mobile phone number of the SIM card).",
                              "Dmst": "Domestic",
                              "Other": "Other Identifier"
                            }
                          }
                        }
                      }
                    }
                  }
                }
              }
            }
          }
        },
        "required": [
          "CdtrAcct"
        ]
      }
    }
  }
}
```