Liquidity

This page outlines expected time-to-liquidity across protocol cooldowns and chain settlement.

No lockups

hBTC has no lockup period. Users may initiate a withdrawal at any time, subject only to the applicable protocol cooldown and chain settlement timing.

Withdrawal cooldown

• Standard: 72 hours

• Express: 4 hours (express fee applies; see Fees)

Express withdrawals are capped at 2.5% of net asset value within any 24-hour period.

On-chain settlement targets

• Deposit: ~30 minutes (3 Bitcoin confirmations)

• Withdraw: ~80 minutes (8 Bitcoin confirm

Confirmation times are targets and can vary with network conditions.

Settlement targets are defined by the sBTC bridge, not the protocol.