I had a similar experience with Coinbase years ago. They required you to earn bigger withdrawals over time but you were able to apply for this. Is this similar?

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No. It has nothing to do with the limit. The amount is very small. It literally has to do with settlement of my funds bc I was using ach. So as long as I have a reoccurring buy on I could never withdrawal. It’s pretty terrible User experience and makes no sense. The customer service was also terrible. They couldn’t just come outright and tell me that.