# Roles and responsibilities

What the Payment Network, the client, and Axiym each do.

Product: PNSL API
Guides follow API reference 2.0.0 and event reference 1.0.0.
Canonical page: https://docs.sandbox.axiym.io/pnsl-api/concepts/roles-and-responsibilities

Every PNSL transaction involves three parties.

## Payment Network

The institution that integrates with the PNSL API and operates the payment
system in which its clients originate payments.

The Payment Network:

* onboards clients with Axiym;
* decides which client payments to fund and requests the funding;
* executes the client payment in its own system once the funds arrive;
* routes client funds to Axiym and applies unallocated funds to clients;
* receives webhook events and reconciles Axiym's records with its own.

## Client

The business whose payments are funded, such as a Money Service Business or a
Payment Service Provider. It originates payments through the Payment Network.

The client:

* provides the information needed for onboarding and underwriting;
* is addressed in the API by its `clientId`; its client `code` (for example
  `AXI000221`) is used only in payment memos;
* has a credit account per currency and payment rail;
* repays its receivables, usually by sending funds to Axiym with its client
  `code` or settlement reference in the memo.

The Payment Network submits requests using its credentials and identifies the
relevant client with `clientId` in `/clients/{clientId}/...` endpoints.

## Axiym

Axiym operates PNSL and provides the funding.

Axiym:

* reviews clients (compliance and underwriting) and sets their credit limits;
* creates receivables and disburses funds to the Payment Network's bank
  account;
* tracks outstanding principal, interest, and fees;
* attributes incoming funds to clients and applies them to receivables;
* sends signed webhook events when a client, credit account, or receivable
  changes.

## How the roles interact



```mermaid
sequenceDiagram
    participant C as Client
    participant PN as Payment Network
    participant A as Axiym

    C->>PN: Originates a payment
    PN->>A: Checks the client's availableBalance
    PN->>A: Requests funding for the payment
    A-->>PN: Creates the receivable and disburses the funds
    PN->>PN: Executes the client payment
    C->>A: Sends funds with its code or settlement reference in the memo
    A-->>PN: Applies the funds to receivables and sends events
```



## Onboarding

A client must be onboarded and `ACTIVE` before it can be funded. Submit the
client with
[`POST /onboardings`](/pnsl-api/api-reference/2.0.0/onboarding/startOnboarding)
and track the review with
[`GET /onboardings/{clientId}`](/pnsl-api/api-reference/2.0.0/onboarding/getOnboardingStatus).
The response gives you the `clientId` used in every client endpoint. See
[Client onboarding](/pnsl-api/integration-guide/implementation-guides/client-onboarding)
for the steps.