Bank, save, and convert

Hold spendable APU, park eligible balances in savings plans, convert on Trade, or send APU to another node on Transfers. Each of those is a different pile with a different unlock story.

Open P2P asks lock sellable APU into escrow. That inventory is not spendable on Wallet until the ask settles, cancels, or expires. Insights will name the pile so you do not double-spend it.

Savings interest is not FDIC insurance and not a promised profit. You choose the lock.