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Why is the Available Amount to Withdraw Different from the Buying Power?

Updated over a week ago

At Hapi, you must understand why the amount you can withdraw doesn't always match your Buying Power. Here we explain the most common reasons for this difference and how to calculate your Available Amount to Withdraw.

This is especially important if:

  • You have a Hapi Prime account and sold stocks today.

  • You've received rewards in the last 120 days.

In these cases, you may have funds available to invest, but not to withdraw immediately.

What is the Available Amount to Withdraw?

It's the amount of money you can withdraw from your Hapi account at any time. Due to specific conditions, this amount may be lower than your Buying Power.

Here’s the formula:

Available to Withdraw = Buying Power - Funds in Process - Reserved Funds - Rewards Received in the Last 120 Days

What does each component mean?

  • Buying Power: Total USD available to invest in stocks and cryptocurrencies.

  • Funds in Process

    • Money from sales made today that are still settling (T+1).

    • If you have Hapi Prime, you can use that money to buy, but not to withdraw until it settles the next day.

  • Reserved Funds: Amount held due to pending or scheduled orders that haven’t been completed yet.

  • Rewards Received in the Last 120 Days: USD earned from promotions or referrals in the last 120 days, which cannot be withdrawn until that time has passed.

Common Examples

1. Prime users who sold assets the same day

If you're a Prime user and sold assets today, the money is available for reinvestment, but not for withdrawal.

  • Before the sale: Buying Power = $100, Available to Withdraw = $100

  • Sold stocks today for $200: Buying Power = $300, Available to Withdraw = $100

  • Why? The $200 is still “in process” and cannot be withdrawn until the next business day.

2. Users with rewards received in the last 120 days

If you received rewards in the last 120 days, those funds are locked until the holding period ends.

  • Before receiving the reward: Buying Power = $200, Available to Withdraw = $200

  • Received $50 in rewards 30 days ago: Buying Power = $250, Available to Withdraw = $200

  • Why? The $50 remains locked until 120 days have passed.

3. Users with pending or scheduled buy orders

If you have open or scheduled buy orders, the reserved amount can’t be withdrawn until the order is executed or cancelled.

  • Before scheduling the order: Buying Power = $500, Available to Withdraw = $500

  • You scheduled a $150 buy order: Buying Power = $500, Available to Withdraw = $350

  • Why? The $150 is "reserved" for that order.

If you have questions or encountered an issue with a withdrawal, contact us — we’re happy to help!

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