Somewhere on page 47 of your bank's terms & conditions, there's a line that says:
"We reserve the right to restrict access to your funds at our discretion for up to 10 business days."
Your money. Their discretion.
You agreed to this. (Don't worry, so did everyone. Nobody reads page 47.)
Self-custody means there IS no page 47. No one holds a master key to your vault. No one can freeze, delay, or "review" your access to funds you earned.
Your money. Your rules. No fine print.
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