# Axiym

> Pay now. Settle later.

Axiym is a payments company that enables real-time cross-border payment execution with deferred settlement for money service businesses and payment processors.

Axiym provides a Pay Now, Settle Later (PNSL) service that embeds into existing treasury and API infrastructure. Users can send real-time cross-border payments while deferring settlement on their own schedule, without replacing existing payment flows. The platform includes Cerberus, an internal AI engine for financial scoring, transaction monitoring, and anomaly detection across the full payment lifecycle.

- Type: Company
- Sector: Payments
- Status: Active
- Founded: 2022-01-01
- Profile: https://thegrid.id/profiles/axiym

## Products

- [PNSL](https://thegrid.id/profiles/axiym): PNSL is a cross-border payment settlement infrastructure that embeds into existing payment systems at the treasury and API layers, enabling instant payment execution with deferred, batched settlement. The platform uses stablecoin rails to eliminate pre-funding requirements for regulated payment operators across multiple countries and currencies. Built-in KYB controls, AML screening, and an AI-driven compliance engine handle real-time transaction monitoring across all payment flows. (Payments Infrastructure & Orchestration, Live, Main Product)

## Links

- [Main](https://axiym.io)
- [Terms of Service](https://axiym.io/terms-conditions)
- [Privacy policy](https://axiym.io/privacy-policy)
- [LinkedIn](https://www.linkedin.com/company/axiym)
- [Twitter / X](https://x.com/AxiymFinance)

## Legal

This data is provided under two licensing models.

Model 1 - open data. The open data core is licensed under the Open Database License (ODbL) — a copyleft/share-alike license allowing free use, modification, and sharing for any purpose. Attribution is required: include "Powered by The Grid" linking to https://thegrid.id wherever the data is used. Derivative databases must be shared under ODbL terms. Trademarks, logos, and brand names (marked "Special TPIP") are not covered by the ODbL. For ML/AI use: training datasets that substantially extract ODbL data are Derivative Databases and must be shared under ODbL if publicly used; models must be attributed in documentation.

Model 2 - commercial licenses. The Grid Data Service (TGDS) is also available as a commercial license. See [Web Services Terms](https://about.thegrid.id/legal/web-services-terms) for commercial use that is not covered by the open data service.

The following applies to both licensing models.
- All data is provided AS IS with no guarantees of accuracy.
- The Grid does not provide investment, legal, or tax advice, and
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- [Data Licensing & Disclaimers](https://about.thegrid.id/legal/data-licensing-and-disclaimers): Licensing models and disclaimers
- [Open Data (ODbL)](https://about.thegrid.id/legal/open-data): Open Database License terms and scope for The Grid's open data service.
- [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service.
- [Web Services Terms](https://about.thegrid.id/legal/web-services-terms): commercial Terms for using data services.
- [All Legal Documents](https://about.thegrid.id/legal): Full index of terms, policies, and disclosures

## Optional

- [TGS Field Descriptions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-field-descriptions.md): Schema field definitions for The Grid's data model
- [TGS JSON Structure](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-json-structure.md): Data model structure and relationships
- [Product Type Definitions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-definitions.md): Definitions for each product type
- [Product Type Classification](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-classification.md): Guide for classifying products into types
- [Grid MCP Guide](https://github.com/The-Grid-Data/workspace-public/blob/main/grid-search/skills/grid-query/references/grid-mcp-guide.md): How to query The Grid programmatically via MCP