Audit your real hold time, not the advertised one

Audit your real hold time, not the advertised one
Stated hold and effective hold diverge. Measure the gap.

— Timestamp every conversion's approval, not just the lead date
— Compute days from conversion to wallet-credit, per offer
— Median across networks lands near 30 days; tails reach 60-75
— Subtract weekends/holidays the network excludes from "net" terms
— Track the 90th percentile — that number sizes your cash buffer

Effective hold sample (n=24 offers):
p50: 31d ▏▏▏ · p90: 58d ▏▏▏▏▏
Gap stated-vs-real: +9 days median.

Read: your float requirement = p90 hold × daily spend, not the brochure number.