# Withdrawals When you’re trading on SYMMIO, your funds sit inside the protocol rather than directly in your wallet. You can deposit in instantly and trade as much as you like, the only time there’s a delay is when you want to withdraw back out to your wallet (or to another EOA). ### The 12-hour cooldown SYMMIO uses a **12-hour withdrawal cooldown**. Once you request a withdrawal (after deallocating funds from your trading sub-accounts), those funds are locked for 12 hours before they can leave the system. You can think of this like the withdrawal delay on an optimistic rollup. The reason for this is safety is: If something goes wrong, the cooldown gives the protocol’s monitoring systems time to react. During that window, suspicious activity can be detected, users can be suspended and damage can be contained. For normal traders, this just means: * You can **trade instantly**. * You can **deposit instantly**. * But when you withdraw, there is a **12-hour delay** before the funds land back in your wallet. The old system had a single withdrawal path with a fixed 12-hour wait, plus a separate bridge mechanism for instant withdrawals. In the latest version, these are unified into a single flexible withdrawal system with multiple options: ### Withdrawal options in 0.8.5 (new) #### Normal withdrawal The simplest option. You initiate a withdrawal, wait for the cooldown to pass, and finalize it. Your funds are transferred directly to your wallet on the same chain. No provider involvement, no fees beyond gas. #### Express withdrawal If you need your funds now and don't want to wait, an **express provider** can front the money to you immediately. The provider pays you right away, then waits out the cooldown and gets reimbursed by the protocol afterward. From your perspective, the withdrawal is near-instant. The provider typically charges a small fee for this service. #### Cross-chain withdrawal SYMMIO operates on multiple chains, and you might want to receive your funds on a different chain than where you're trading. A **virtual provider** handles this: they accept the withdrawal on the source chain and deliver your funds on the destination chain. The actual collateral reconciliation happens behind the scenes. #### Express cross-chain withdrawal In this scenario, express provider fronts your funds immediately on the destination chain. This combines instant payout with cross-chain delivery. The express provider and a virtual provider coordinate behind the scenes. ### How it works in practice If instant withdrawal is possible, the frontend builder should offer it. If not, it should show the estimated wait time. You can always fall back to the normal 12-hour withdrawal which is guaranteed to work regardless of provider availability. When you initiate a withdrawal, you can split it across multiple destinations. For example, you could send 500 USDC to your wallet on Arbitrum and 300 USDC to a different address on Base, all in a single withdrawal request. ### Cancelling a withdrawal You can cancel a pending withdrawal at any time before it's finalized. How that works depends on the withdrawal type: For a standard withdrawal, cancellation doesn't require an approval and is finalized on-chain. For cross-chain (virtual) withdrawals, once the provider has accepted, there's a blackout window near the end of the cooldown where you can no longer cancel independently. Outside that window you can still cancel immediately, but inside it the cancellation moves to a pending state and requires the provider's approval before it goes through. For express withdrawals, any cancellation after the provider has accepted requires their approval — there's no window where you can cancel freely, since the provider has already fronted your funds. {% hint style="info" %} The legacy bridge withdrawal mechanism from v0.8.4 still works but is being phased out. The new withdrawal system replaces it with a more flexible architecture that supports express providers, virtual providers, cross-chain delivery, and multi-destination withdrawals. {% endhint %} --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.symm.io/trader-documentation/how-trading-works-in-symmio/withdrawals.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.