Yes, you generally have on-demand access to your money. The Smart Earnings Account is designed to be as liquid as a normal Moneda account, with no fixed lock-up periods. The Smart Earnings portfolio keep a small percentage of their assets idle as a liquidity buffer (around 5%) specifically so that most withdrawals can be fulfilled instantly. In practice, for typical withdrawal amounts, you will be able to withdraw your full balance (principal + earnings) at any time through Moneda, and they will be accessible immediately. The only time you might experience a short delay is if you withdraw a very large amount relative to the yield optimiser’s liquidity. In that case, if your request exceeds the yield optimiser’s instant liquidity buffer, the remaining funds need to be pulled out from the underlying DeFi protocols. When this happens, your withdrawal request gets queued by the YO Protocol and those funds will be redeemed from the yield strategies within roughly 24 hours. There’s no action needed on your part. As soon as the protocol frees up the liquidity (by selling off or withdrawing funds from those protocols), the stablecoins are delivered to your Moneda account automatically. This process ensures that even large withdrawals are handled safely, though it introduces a minor time lag. Importantly, there are no penalties or fees for withdrawing, and no long-term lock-ups. This it’s just a mechanism to maintain stability in the portfolio. For the vast majority of users and normal-sized withdrawals, you’ll experience it as if it were any regular withdrawal, with your money available when you need it.