<b>Median hold time is 31 days</b>

<b>Median hold time is 31 days</b>

Hold = lag between conversion and the funds becoming withdrawable. Sampled from posted payment terms, 38 networks.

— ≤7 days: 11% of networks
— 8–30 days: 42%
— 31–60 days: 34%
— 60+ days: 13%

📊 ≤7d ▇▇
8-30 ▇▇▇▇▇▇▇▇
31-60 ▇▇▇▇▇▇
60+ ▇▇

Hold compounds with payment frequency: a 30-day hold plus net-15 terms can push first cash-out to ~45 days from the first conversion.

Read: model cash-flow on hold + frequency together, not the headline number.

n=38 networks