Reserves requirements

When Zynk initiates ACH pulls via Plaid, the counterparty bank has up to 2 business days to issue an administrative return—commonly an R01 (Insufficient Funds). In many cases, banks may initially release funds and later reverse the transaction upon detecting low balances.

If a return occurs, our payment provider is required to immediately refund the counterparty bank. This can lead to situations where the funds have already been used on the Zynklabs platform (e.g., for crypto release), resulting in a financial loss.

To mitigate this risk, Zynklabs enforces a reserve fund.