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  "domain": "payments",
  "title": "Japan payment clearing and settlement infrastructure",
  "entry_type": "wiki_entry",
  "frontmatter": {
    "title": "Japan payment clearing and settlement infrastructure",
    "aliases": [
      "Japan payment clearing infrastructure",
      "Japan payment settlement infrastructure",
      "日本 決済 清算 settlement infrastructure",
      "banking/zengin-network",
      "systems/zengin"
    ],
    "domain": "payments",
    "type": null,
    "created": "2026-05-22",
    "last_updated": "2026-07-30",
    "last_tended": "2026-07-30",
    "review_by": "2026-11-22",
    "confidence": "likely",
    "tags": [
      "payments",
      "settlement",
      "clearing",
      "zengin",
      "cotra",
      "bank-pay",
      "Japan"
    ],
    "status": "active",
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    "note": null,
    "sources": [
      "https://www.boj.or.jp/en/paym/outline/",
      "https://www.boj.or.jp/en/research/brp/psr/psr240910.htm",
      "https://www.zengin-net.jp/en/zengin_net/zengin_system/",
      "https://www.zengin-net.jp/en/zengin_net/clearing/",
      "https://www.zengin-net.jp/zengin_system/",
      "https://www.zengin-net.jp/zengin_system/cotra/",
      "https://www.cotra.ne.jp/p2pservice/",
      "https://www.cotra.ne.jp/member/",
      "https://jeppo.jp/about/",
      "https://jeppo.jp/bankpay/",
      "https://jeppo.jp/jdebit/",
      "https://paymentsjapan.or.jp/category/publications/"
    ]
  },
  "summary": "Japan payment infrastructure includes central-bank settlement assets, BOJ-NET, interbank transfer clearing, small-value transfer infrastructure, account-direct payment, debit payment, card settlement, wallet settlement, and private-sector clearing arrangements. This page separates customer-facing pa",
  "headings": [
    "Japan payment clearing and settlement infrastructure",
    "Overview",
    "Infrastructure Map",
    "BOJ Settlement Layer",
    "Zengin System Route",
    "Cotra Route",
    "JEPPO, J-Debit, and Bank Pay Route",
    "Product-To-Infrastructure Crosswalk",
    "Public Record Fields",
    "Related Routes"
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