All Goldmoney Business account holders have a specified Vault Reserve Percentage that is indicated under your Business Settings. A reserve, or hold, is placed on this specified percentage of your incoming vault payments for 30 calendar days. This amount cannot be transferred or redeemed until the 30 day period has ended. This Vault Reserve Percentage is determined by Goldmoney in its sole discretion. You will be notified by Goldmoney via email if your Vault Reserve Percentage is changed, and the updated percentage will be displayed in your Business Settings.