# Axiym accounts and funding

Understand how an Axiym account is funded and how its balance funds a payment.

Product: Payment API
Guides follow API reference 0.1.0 and event reference 0.1.0.
Canonical page: https://docs.axiym.io/payment-api/concepts/accounts-and-funding

An **Axiym account** holds the funds used to make payments. It holds one
currency and is connected to a **payment rail**, such as a banking or
blockchain network.

## Two different funding actions

Fund the Axiym account

Arrange funding so the account has an available balance. Account funding
takes place outside the Payment API.

Fund the payment

Select the funded account for the payment. `sourceAmount` is reserved
from its available balance when you authorize the payment for processing and
debited when the payment settles.

**Account management**

The Payment API can list accessible Axiym accounts and their balances, but it
does not provide account-funding instructions or initiate funding. Use the
[Direct Trade API](/direct-trade-api) to manage your Axiym
accounts and arrange funding before making a payment.

## Using an Axiym account to fund a payment

The selected account determines:

* which balance funds the payment;
* the funding currency; and
* where the payment amount and applicable fee are debited.

Listing an account does not establish payout eligibility. At confirmation,
the account must be active, enabled for payouts, and sufficiently funded.
When you authorize the payment for processing, Axiym reserves `sourceAmount`,
preventing that amount from funding another payment.

If the available balance cannot cover `sourceAmount`, confirmation returns
`422` and leaves the payout in `PENDING_CONFIRMATION` with no funds reserved.
You can fund the account and confirm the payout while its terms remain valid.

The Payment API does not automatically deposit or pull funds from an external
account to cover a shortfall.

The reservation remains in place during compliance review. At
settlement, it becomes the account debit. If the payment ends before
settlement, Axiym releases the reservation back to the account's available
balance.

## Balance movements

Funding the Axiym account creates a credit when funds are posted to the account.
A reservation reduces the available balance but does not yet create the final debit.
Settlement creates the debit for the payment amount and fee.
Credits and settled debits appear in the account statement.

Use the payout as the business view of the operation and the statement entry as
the ledger view of the balance change.

The statement reconciles as follows:

```text
opening balance + total credited - total debited = closing balance
```

## Axiym account status

| Status      | Meaning                             |
| ----------- | ----------------------------------- |
| `ACTIVE`    | Available for permitted operations. |
| `SUSPENDED` | Temporarily restricted.             |
| `CLOSED`    | Permanently retired.                |

Having an active Axiym account does not mean every payout destination is available.
Use [corridors](/payment-api/concepts/corridors) to discover the routes enabled for the
authenticated integration.

For account fields and response details, see the
[Account API reference](/payment-api/api-reference/accounts/getAccount).