At Hapi it's important that you understand why the amount you can withdraw doesn't always match your Buying Power. We want to 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 might 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 actually withdraw from your Hapi account at a given moment. This amount can be lower than your Buying Power due to certain specific factors.
The formula is as follows:
Available Amount to Withdraw = Buying Power − Money in process − Reserved money − Rewards received in the last 120 days − Held deposits
What does each component mean?
Buying Power
Total USD available to invest in stocks and cryptocurrencies.
Money in process
Money from sales made today, still in settlement (T+1).
If you have Hapi Prime, you can use that money to buy, but not to withdraw until it settles the next business day.
Reserved money
The amount held for pending or scheduled orders that haven't been completed yet.
Rewards received in the last 120 days
USD you earned from promotions or referrals in the last 120 days, which cannot be withdrawn until that period is over.
Held deposits: USD you deposited by card, ACH transfer, or SafetyPay in Ecuador and Costa Rica, in the last 30 days, which cannot be withdrawn until that period is over.
Common examples
1. Prime users who sold assets the same day
If you're a Prime user and made a sale today, that money is immediately available for you to reinvest, but not to withdraw. You need to wait for the standard settlement period (T+1).
Before the sale: Buying Power = $100, Available Amount to Withdraw = $100
You sold $200 in stocks today: Buying Power = $300, Available Amount to Withdraw = $100
Why?: The $200 is still "in process" and can't be withdrawn until the next business day.
2. Users with rewards received in the last 120 days
If you received rewards from promotions or referrals in the last 120 days, those funds can't be withdrawn until that period is over.
Before receiving the reward: Buying Power = $200, Available Amount to Withdraw = $200
You received a $50 reward 30 days ago: Buying Power = $250, Available Amount to Withdraw = $200
Why?: The $50 is held until 120 days have passed since you received the reward.
3. Users with Held Deposits (card, ACH, or SafetyPay in Ecuador/Costa Rica)
If you deposited using any of these methods in the last 30 days, that amount can't be withdrawn until this period is over.
Before making the deposit: Buying Power = $100, Available Amount to Withdraw = $100
You made a $60 card deposit 10 days ago: Buying Power = $160, Available Amount to Withdraw = $100
Why?: The $60 is held until 30 days have passed since your deposit was completed.
4. Users with pending or scheduled purchase orders
If you have pending or scheduled purchase orders, the money allocated for those transactions is reserved and can't be withdrawn until the order is executed or canceled.
Before scheduling the order: Buying Power = $500, Available Amount to Withdraw = $500
You scheduled a $150 purchase order: Buying Power = $500, Available Amount 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!