Your cash is held in segregated custodial corporate accounts with HSBC and Bank of China.  This is to safeguard your deposits and is consistent with Hong Kong regulation. All securities that you invest in are held in custody with Hong Kong Securities Clearing Company Limited ("HKSCC") and licensed US custodian. You can view your account, holdings and cash positions 24/7 from the app. You can deposit and withdraw your money anytime with no questions asked.