When you sell stocks on the exchange, the sale proceeds remain on hold during the settlement period. In U.S. stock exchanges, the settlement period is one business day (T+1). At the end of this period, the stocks are transferred to the buyer, and the sale proceeds are credited to your account.

However, with the Early Withdrawal feature, you can instantly convert your pending balance from stock sales into cash for a certain commission fee. This allows you to access your funds immediately without waiting for the settlement period.

The commission fee for an Early Withdrawal transaction is calculated based on the daily commission rate. The total fee is determined by considering the time remaining until the T+1 settlement date and applying the daily commission accordingly.