# Clients and onboarding

Product: Client Account API
Guides follow API reference 0.3.0 and event reference 0.2.0.
Canonical page: https://docs.sandbox.axiym.io/client-account-api/concepts/client-scope

The Client Account API lets your organization manage Axiym accounts owned by
clients who have completed Axiym onboarding. Each client has separate accounts,
balances, and activity.

## How onboarding works

Each client completes Axiym’s Know Your Business (KYB) review before using
its accounts. You can submit the onboarding information through the API or
work with Axiym to complete onboarding manually.

Once onboarding is complete, you can access the client's Axiym accounts and
activity using its unique `clientId`. The client must be `ACTIVE` to use
Client Account API operations. A client undergoing onboarding or with status
`DISABLED` cannot perform these operations.

## Roles and responsibilities

* **Your organization** integrates with Axiym and retains its relationship
  with the client.
* **The client** completes Axiym onboarding and owns its Axiym accounts and
  activity.
* **Axiym** reviews the client and determines the capabilities available to it.

Your organization manages the API connection and webhook subscriptions.
The accounts and financial activity belong to the individual clients.

## One client, one account context

Each client has its own Axiym accounts, address book, conversion pairs,
deposits, conversions, withdrawals, and statements. An operation stays within
one client’s context; resources from different clients cannot be combined.

External bank accounts and wallets must be whitelisted and `ACTIVE` in the
selected client’s address book before they can fund deposits or receive
withdrawals. The external account does not have to be owned by the client.

## Capabilities are specific to each client

An active client does not automatically have access to every currency or
operation:

* its Axiym accounts determine which currencies and payment rails it can use;
* its whitelisted external accounts determine where deposits may originate
  and withdrawals may be sent; and
* its conversion pairs determine the permitted currency conversions.

For onboarding requests, client identifiers, and selecting the client for
an operation, see the [Client onboarding](/client-account-api/integration-guide/client-onboarding)
and [Client context](/client-account-api/integration-guide/client-context) integration guides.