Using this app is an absolute nightmare sometimes. I tried to deposit usd so I could pay a bill and I didn't know it would hold a large portion of my deposit as collateral until the transaction cleared. So I tried to take some of the usd back out so I could pay my bill but it just took away from the available usd and none from the collateral. So now not only could I not pay the bill in full, but I have less available funds. There really should be a warning before withdrawing