Dormancy clauses forfeit balances after a median 180 days
Dormancy clause = terms that void or charge an inactive account's pending balance.
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Networks with no dormancy forfeiture: ~46% ▏▏▏▏▏
Forfeit after 90 days inactivity: ~14% ▏▏
Forfeit after 180 days: ~28% ▏▏▏
Monthly maintenance fee on dormant balance: ~12% ▏▏
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Sample: 50 network terms-of-service documents read directly.
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A stranded sub-minimum balance plus a 180-day clock is a quiet path to a zeroed account.
Read: clear or consolidate small balances before pausing a network for a season.
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Dormancy clauses forfeit balances after a median 180 days
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