💡 Get a head start! Learn all about Margin Accounts before they go live. This feature isn't available yet, but we’re working hard for its big debut!
At Hapi, it’s important to understand why the amount you can withdraw does not always match your Buying Power.
This happens because, when using a margin account, there are additional conditions that affect how much cash you can transfer to your bank account at any given time.
We want to explain the most common reasons for this difference and how to calculate your Amount available to withdraw. This is especially important if:
You have a Hapi Prime account and sold stocks today
You have received rewards in the last 120 days
You have an active margin line in use
What is the amount available to withdraw and how is it determined?
It is the amount of money you can actually withdraw from your Hapi account at a given time.
This amount may be lower than your Buying Power due to operational, regulatory, and risk management factors.
The general formula is:
Amount available to withdraw = My Cash + Total Margin – Margin unavailable – Held deposits – Pending sales – Pending purchases – Rewards
These adjustments may include margin restrictions, funds in process, pending transactions, and other elements that affect the real availability of your funds.
What does each component mean?
My Cash
Your own cash balance
The amount available to withdraw or use for new investments
Margin unavailable
In margin accounts, you can only withdraw a portion of borrowed funds
Generally, you can withdraw up to 50% of your margin line. This restriction helps protect your portfolio from market declines and ensures you maintain a minimum equity level
This section also includes margin used. If you use more than 50% of your margin line, the unavailable margin increases
Held deposits
Depending on your deposit method (e.g., bank transfer or card), some funds may not be available for withdrawal for a few days due to security reasons
Pending sales
When you sell an asset, funds go through a T+1 settlement period (one business day after the trade)
During this time, they can be used to invest but not withdrawn
Pending purchases
Funds reserved for orders that have not yet been executed (limit, stop, or recurring orders)
These funds will not be available until the orders are executed or canceled
Rewards
Rewards or crypto received from promotions or referral programs
These funds must meet a 120-day holding period before they can be withdrawn, although they can be used to invest immediately
Common examples
(The following examples are for illustrative purposes only)
1. General case
Margin unavailable: $200
Held deposits: $200
Pending sales: $1,000
Pending purchases: $500
Rewards: $100
If your Buying Power is $3,000
👉 In this case, your amount available to withdraw would be:
Available to withdraw = Buying Power ($3,000) – (200 + 200 + 1,000 + 500 + 100)
2. You have a margin loan that you have not yet used
Before receiving the margin loan:
Buying Power = $2,500
Amount available to withdraw = $2,500After receiving a $1,000 margin loan:
Buying Power = $3,500
Amount available to withdraw = $3,000Why?
You can withdraw up to 50% of the borrowed funds (in this case $500), since you haven’t used any of the margin line
3. You have a margin loan and have used less than 50% of your line
Before using margin:
Buying Power = $2,000 ($0 cash + $2,000 total margin)
Amount available to withdraw = $1,000After purchasing assets for $1,000:
Buying Power = $1,000
Amount available to withdraw = $1,000Why?
You can withdraw up to 50% of your margin as long as you haven’t used more than 50% of your line
4. You have a margin loan and have used more than 50% of your line
Before using margin:
Buying Power = $2,000
Amount available to withdraw = $1,000After purchasing assets for $1,500:
Buying Power = $500
Amount available to withdraw = $500Why?
Since you used more than 50% of your margin line, you can only withdraw the remaining available portion
If you have any questions or experienced issues with your Buying Power, feel free to contact us — we’ll be happy to help.
Legal Disclaimer:
Using margin involves risks and is not suitable for all investors. When trading on margin, you can lose more than your initial investment. Past performance does not guarantee future results. This content is for informational purposes only and does not constitute advice, a recommendation, or an offer to buy or sell securities.