---
title: Your wallet
description: The two balances Insy keeps for you — a fiat clip-reward balance and a crypto balance — what is withdrawable now, and how to read your money history.
---

Your wallet shows the money Insy holds **for you personally**, split across two rails. Both are
always shown, even at zero.

## The two balances

<CardGroup cols={2}>
  <Card title="Fiat balance — PLN" icon="banknote">
    Your **clip-program reward** balance, in Polish złoty. Withdrawn to a connected Stripe account.
  </Card>
  <Card title="Crypto balance — USDC" icon="coins">
    Your withdrawable crypto, in USDC. Withdrawn to a wallet address you add and control.
  </Card>
</CardGroup>

> **The fiat balance is clip rewards only — not your sales income**
>
> The PLN balance is **only** what you've earned from the clip program — **not** money from selling
> your community or product. Ordinary card sales settle straight to your own Stripe account as part of
> checkout; they never appear here, and there's no "withdraw my sales" button in this wallet. If
> you're looking for sales income, it's already on its way to your Stripe account.

Earnings from things you sold with **crypto checkout** are different again: tracked per community or
product, with a short hold before you can take them out. Those are covered in
[Withdrawing crypto earnings](/payouts/crypto-payouts).

## Withdrawable now vs. on hold

Each balance is shown as two numbers:

- **Available** — money you can withdraw right now.
- **Pending** — money that's arrived but is still inside a **hold window** and can't be withdrawn
  yet. Crypto earnings sit here for a few days after a sale before moving to available (see
  [the hold explained](/payouts/crypto-payouts#step-2--understand-the-hold)).

A withdrawal is only offered against your **available** figure. If the numbers don't add up to what
you expected, the difference is almost always money still on hold.

## Your money history

Your wallet keeps a running history of every movement, newest first (the most recent 50). It's a
**complete, append-only ledger** — nothing is ever quietly edited or deleted. A withdrawal that
later failed, for example, shows up as the withdrawal *and* its reversal.

Each entry is money **in** or money **out**, with a plain-language label:

| Label | What it means |
| --- | --- |
| **Clip reward** | A clip-program reward paid into your balance. |
| **Sale** | Money from a crypto sale, credited to that item's earnings. |
| **Funds released** | Held earnings that have cleared the hold window and are now available. |
| **Withdrawal** / **Crypto withdrawal** | Money you took out, to Stripe or to a wallet. |
| **Withdrawal reversed** | A withdrawal that failed, put back onto your balance. |
| **Refund** | A buyer refund reversing part or all of an earlier sale. |
| **Balance adjustment** | A manual correction by the Insy team, always with a written reason. |

> **A failed withdrawal is never lost money**
>
> Because the history is append-only, a reversal sits right next to the withdrawal it undoes. If a
> payout fails, the money returns to your available balance and you can try again — no need to contact
> anyone to "get it back".

## Next

<CardGroup cols={2}>
  <Card title="Withdraw crypto (USDC)" href="/payouts/crypto-payouts" icon="coins">
    Add a wallet address, mind the hold and the network fee, and cash out.
  </Card>
  <Card title="Withdraw fiat (PLN)" href="/payouts/fiat-payouts" icon="banknote">
    Connect Stripe and withdraw your clip-reward balance.
  </Card>
</CardGroup>