X — FUND MOVEMENT EXPLAINED
This section gives you a clear view of how money moves inside your Haystack account — from the moment you deposit, to earning yield, to withdrawing.
1. The Three States of Your Funds
Your balance on Haystack can be in one of three states:
1. Available Balance
Funds that are ready to be used:
to subscribe to a program
to withdraw
to move into the Entry Level Program (ELP)
This is your “free” balance.
2. Entry Level Program (ELP)
Funds that are not allocated to one of the available programs and not idle.
The ELP allocates your unused balance so it continues working until you decide which program to subscribe to.
3. Active Subscriptions
Funds that you have allocated to a yield program.
They remain locked for the duration of the program and accrue yield until maturity.
These three states form the entire flow of value within the platform.
2. How Funds Enter the System
When you deposit funds:
They become part of your Available Balance once verified
Shortly after, the platform may automatically allocate idle funds into the ELP
This prevents your deposited funds from sitting unused.
3. Moving Between ELP and Available Balance
Conceptually:
Available Balance → ELP This happens automatically when funds are idle or when you top up the ELP manually.
ELP → Available Balance This happens when you decide to free funds for subscriptions or withdrawals.
Only Available Balance can be used to subscribe to a program. ELP acts as the resting place for idle capital.
4. Entering a Subscription
The transition to an active program always follows the same conceptual flow:
ELP → Available Balance → Subscription
Meaning:
You decide how much to move out of the ELP
Those funds become Available Balance
A subscription is created using only funds from the Available Balance
Subscriptions never draw directly from the ELP.
5. Inside a Subscription
Once funds are allocated to a Program via a Subscription:
They are locked until maturity for the duration of the Lock-in Period
They accrue yield as per the Program's APY settings
While locked in a Program, funds cannot be transferred to Available Balance or ELP.
6. Maturity and What Happens After
At the end of a program:
The system applies your chosen maturity setting
Some or all funds may move back to Available Balance
If you selected rollover, funds may enter a new subscription
From Available Balance, you can again:
subscribe to another program
withdraw
leave the funds to enter the ELP during the automatic sweep
7. Full Lifecycle Summary
Here is the complete conceptual flow:
Deposit → Available Balance
Available Balance → ELP (when idle or topped up)
ELP → Available Balance (when preparing to subscribe)
Available Balance → Subscription
Subscription → Maturity → Available Balance (depending on your chosen action)
Available Balance → Withdrawal or Available Balance → ELP
Every action you take simply moves funds between these states.
8. System Rationale
This structure keeps the platform simple:
ELP limits idle funds
Available Balance ensures flexibility
Subscriptions provide fixed-term yield
Maturity actions allow automated re-subscription or payout
Understanding these states is enough to navigate the platform confidently.
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