# Overview

Product: Account API
Guides follow API reference 0.1.0 and event reference 0.1.0.
Canonical page: https://docs.sandbox.axiym.io/account-api/concepts/overview

The Account API lets you manage your organization’s Axiym accounts: view
balances, deposit funds, convert currencies, and make withdrawals.

To manage accounts owned by clients who are individually onboarded with Axiym,
use the [Client Account API](/client-account-api).

## The core model

The API is organized around six connected resources.

| Resource         | What it represents                                                                                           |
| ---------------- | ------------------------------------------------------------------------------------------------------------ |
| External account | A bank account or wallet whitelisted with Axiym for deposits or withdrawals. It must be `ACTIVE` before use. |
| Axiym account    | A balance with Axiym in one currency, connected to a specific payment rail.                                  |
| Deposit          | An incoming payment from a whitelisted external account that credits an Axiym account.                       |
| Conversion pair  | Permission to sell one currency and buy another over specified payment rails, in one direction.              |
| Conversion       | An exchange between two Axiym accounts in different currencies, using a permitted conversion pair.           |
| Withdrawal       | An outgoing payment from an Axiym account to a whitelisted external account.                                 |

An Axiym account is the center of the balance model. Deposits increase its
balance, withdrawals decrease it, and conversions move value between Axiym
accounts.



```mermaid
flowchart TD
  fundingAccount["External account<br/>(funding source)"] -->|Deposit| sell["Axiym account holding sell<br/>currency"]
  sell -->|Permitted conversion| buy["Axiym account holding buy<br/>currency"]
  buy -->|Withdrawal| withdrawalAccount["External account<br/>(withdrawal recipient)"]

  class fundingAccount,withdrawalAccount externalNode
  class sell,buy accountNode
  classDef externalNode stroke-width:1.5px
  classDef accountNode stroke-width:2px
```



## A typical workflow

1. **Whitelist an external account.** Add a bank account or wallet to your
   address book. Axiym performs due diligence and compliance checks before the
   account becomes `ACTIVE`. Wait for activation before using it for deposits
   or withdrawals.
2. **Find the Axiym accounts.** Identify the account for each currency you plan
   to hold or move.
3. **Fund an Axiym account.** Retrieve its deposit instructions and send funds
   from the whitelisted external account using the specified details.
4. **Wait for the deposit.** Wait until the deposit completes and the Axiym
   account is credited.
5. **Convert funds if needed.** Select a permitted conversion pair, create a
   conversion to lock the rate, and confirm it before the quote expires.
6. **Withdraw funds.** Create and confirm a withdrawal to send funds to a
   whitelisted external account in the same currency.
7. **Reconcile activity.** Use deposits, conversions, withdrawals, and account
   statements to reconcile the resulting balance movements.

Not every integration needs every step. For example, you can deposit and
withdraw without converting when the incoming and outgoing currency is the
same.

## Where to continue

* [Address book and external accounts](/account-api/concepts/address-book)
* [Axiym accounts and balances](/account-api/concepts/accounts-and-balances)
* [Depositing funds](/account-api/concepts/depositing-funds)
* [Currency conversions](/account-api/concepts/currency-conversions)
* [Withdrawing funds](/account-api/concepts/withdrawing-funds)
* [Notifications and webhooks](/account-api/concepts/notifications-and-webhooks)
* [Terminology](/account-api/concepts/terminology)

When you understand the model, use the
[Integration guide](/account-api/integration-guide) to set up credentials
and make your first sandbox requests.