Any ACH transfer that you make to River Financial will be subject to a holding period of approximately 6 to 20 business days.
This holding period exists to ensure that the cash has fully settled via ACH and that transfers from your bank account to River were not made by a fraudulent user. During this holding period, unsettled Bitcoin and unsettled cash will be unavailable for transferring off of the platform. However, you may buy and sell between your Bitcoin and Cash Balance position.
Once the holding period has completed, all cash and Bitcoin associated with the ACH transfer will settle and may be moved off of the platform.