# Accounts and destinations

Choose the Axiym account and the active address book entry for a deposit or withdrawal.

Product: Account API
Guides follow API reference 0.3.0 and event reference 0.2.0.
Canonical page: https://docs.axiym.io/account-api/concepts/accounts-and-destinations

Every deposit and withdrawal connects two different resources: an Axiym
account and an address book entry.

## Axiym account

The Axiym account is the balance that deposits credit and withdrawals are
funded from. Retrieve it before moving funds and confirm its status, currency,
and available balance. Its receiving details are served by
`GET /accounts/{accountId}/deposit-instructions`.

The returned `balance` is the current account balance. Use the deposit or
withdrawal resource to track processing and the account statement to reconcile
posted credits and debits.

| Status      | Meaning                                                            |
| ----------- | ------------------------------------------------------------------ |
| `ACTIVE`    | The account is available to receive deposits and fund withdrawals. |
| `SUSPENDED` | The account is unavailable for new deposits and withdrawals.       |
| `CLOSED`    | The account has been permanently closed and cannot be used.        |

## Address book entry

An address book entry is an external bank account or wallet address owned
by your organization. It is selected by `destinationId`.

Register and manage address book entries in the **Axiym Dashboard**. The
Account API can retrieve and use address book records, but cannot create or
change them. If a destination is missing, complete its registration in the
Dashboard. Only an `ACTIVE` entry can send a deposit or receive a
withdrawal; `PENDING_REVIEW`, `SUSPENDED`, and `CLOSED` entries cannot.

| Status           | Meaning                                                                |
| ---------------- | ---------------------------------------------------------------------- |
| `PENDING_REVIEW` | Axiym is reviewing the entry.                                          |
| `ACTIVE`         | The entry is available as a deposit source and withdrawal destination. |
| `SUSPENDED`      | The entry is unavailable for deposits and withdrawals.                 |
| `CLOSED`         | The entry has been permanently retired.                                |

Use `destination.*` events or retrieve the entry to observe status changes.
`destination.closed` signals that the entry is permanently retired and can
no longer send deposits or receive withdrawals.

## Compatibility checks

Before creating a withdrawal, confirm that:

* both resources are active;
* the source account has enough available balance for the withdrawal amount;
* the destination supports the source account currency; and
* bank or blockchain routing details match the intended route.

Do not treat `accountId` and `destinationId` as interchangeable. One identifies
the Axiym balance; the other identifies the external recipient.

## Account statements

Use the account statement as the ledger view of posted account activity. A
completed deposit produces a `CREDIT` entry with
`relatedResourceType: DEPOSIT` and the corresponding `depositId` as
`relatedResourceId`. A completed withdrawal produces a `DEBIT` entry with
`relatedResourceType: WITHDRAWAL` and the corresponding `withdrawalId`.

Use the deposit or withdrawal resource to track processing. Use the statement
to confirm the posted movement and resulting running balance.