# Accounts and money movement

Where financing capacity and received funds live, and how they move.

Product: PNSL API
Guides follow API reference 2.0.0 and event reference 1.0.0.
Canonical page: https://docs.axiym.io/pnsl-api/concepts/accounts-and-money-movement

PNSL works with two kinds of balances. **Financing capacity** is how much
Axiym is willing to fund for a client. **Received funds** are money that has
arrived at Axiym. They live on different accounts and change at different
moments.

## The accounts

| Account                   | Who owns it         | What it holds                                                                                                                                                                                                                    |
| ------------------------- | ------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Credit account            | The client          | Financing capacity: `creditLimit`, `principalOutstanding`, `availableBalance`. One per currency and payment rail.                                                                                                                |
| Client settlement account | The client          | Funds received from the client and not yet used for repayment. Shown as `balance` on the credit account.                                                                                                                         |
| Your settlement account   | The Payment Network | Unallocated funds (received by Axiym but not attributed to a client) and funds transferred from client settlement accounts. Listed by the Account API [`GET /accounts`](/account-api/api-reference/0.3.0/accounts/listAccounts). |
| Funding destination       | The Payment Network | Your bank account outside Axiym that receives disbursements, configured at onboarding as `disbursementAccount`.                                                                                                                  |

## Credit account fields

| Field                  | Meaning                                                                                                             |
| ---------------------- | ------------------------------------------------------------------------------------------------------------------- |
| `creditLimit`          | The maximum Axiym will fund for this client, currency, and rail.                                                    |
| `availableBalance`     | Capacity left to fund another payment.                                                                              |
| `principalOutstanding` | Funded principal not yet repaid.                                                                                    |
| `totalRepaymentAmount` | Everything currently due across the client's active receivables: principal, interest, and fees.                     |
| `totalInterestAmount`  | The interest part of `totalRepaymentAmount`.                                                                        |
| `balance`              | Funds received from the client and not yet used for repayment. Absent until the client's settlement account exists. |

`availableBalance` is capacity, `balance` is received funds. Capacity is
restored when a repayment settles.

## How money moves



```mermaid
flowchart LR
    facility["Credit account<br/>availableBalance"] -->|Fund a payment| receivable["Receivable"]
    receivable -->|Disbursement| destination["Funding destination<br/>(your bank account)"]
    client["Client settlement account<br/>balance"] -->|Automatic repayment| receivable
    partner["Your settlement account"] -->|Manual repayment| receivable
    receivable -->|Repayment restores financing capacity| facility
```



1. **Funding** lowers `availableBalance` and creates a receivable. The
   disbursement goes to your bank account.
2. **Incoming repayment funds** arriving at Axiym land on the client's settlement account
   when they can be attributed to the client, otherwise on your settlement
   account.
3. **Repayment** moves funds from a settlement account to the receivable.
   When it settles, `principalOutstanding` goes down and `availableBalance`
   goes up.

See [Receivable and repayments](/pnsl-api/concepts/repayments) for how funds
are attributed and allocated.