The text provides a definition and purpose of a credit transfer message.
A loans transfers messages this why this is.
A credit transfer message is a payment initiation format sent by an initiating party to a forwarding agent or debtor agent to request the movement of funds from a debtor account to a creditor. A credit transfer message is a payment initiation format sent by an initiating party to a forwarding agent or debtor agent to request the movement of funds from a debtor account to a creditor. A credit transfer message is a payment initiation format sent by an initiating party to a forwarding agent or debtor agent to request the movement of funds from a debtor account to a creditor.