The zaps are sent on the Lightning Network, which is a micropayment system for bitcoin.
You’re using #[5] so that app is holding it for you.
When you get more comfortable with using different bitcoin and Lightning wallets you’ll see that you can send them back and forth instantly, almost for free, and there’s no bank involved.
When you decide you need to have more (because, I mean, who wouldn’t?) you can learn about more secure ways to store them where only you are in control.
But that’s for a bit later in your rabbit hole journey. 🐰🕳️