Home Withdrawal and Wallet What Are the Three Types of Balances?

What Are the Three Types of Balances?

Last updated on Jan 14, 2026

To help you manage your funds clearly, the Cardnaira wallet categorizes balances into three types: Available Balance, Frozen Balance, and Cumulative Balance.

Understanding the differences between these three helps you accurately track your funds and withdrawal status.

1. Available Balance

This is the money you can use immediately.

  • Meaning: The liquid funds currently in your account that are not tied up.

  • Usage: You can withdraw this amount to your bank account or use it for other payments at any time.

  • Source of Funds: Income from selling cards, referral rewards, activity bonuses, etc.

2. Frozen Balance

This is money that is currently being processed and is temporarily locked.

  • Meaning: When you initiate a withdrawal request, the corresponding amount moves from "Available Balance" to "Frozen Balance." This indicates the system is processing your transfer request.

  • Status: This portion of funds cannot be used or withdrawn again temporarily.

  • Destination of Funds:

  • Withdrawal Successful: The Frozen Balance resets to zero, and the funds arrive in your bank account.

    1. Withdrawal Failed: The Frozen Balance resets to zero, and the funds automatically return to your "Available Balance."

3. Cumulative Balance

This is the statistic of your total historical income on the platform.

  • Meaning: The sum of all money earned from the moment you registered your account to the present.

  • Characteristics: The value only increases and never decreases. It includes not only the money currently in your account but also money you have already withdrawn in the past.

  • Note: The Cumulative Balance is only used to record your total earnings performance and calculate VIP levels; it is not withdrawable.

The Relationship Between the Three

The simple formula to understand the relationship between them is as follows:

Current Assets = Available Balance + Frozen Balance

Cumulative Balance = Current Assets + Historically Withdrawn Amount

⚠️ Common Misconception: Do not mistake "Cumulative Balance" for the total assets you currently possess. For actual disposable funds, always refer to the "Available Balance."

Balance Change Scenarios

Funds unlocked, returned to account

Frequently Asked Questions

Q: Why is my money in "Frozen Balance"? Is it lost?
A: No. This indicates that your withdrawal request is being processed by the bank, and your funds are safe.

  • If processed successfully, the money goes to your bank card.

  • If processing fails, the money automatically returns to your "Available Balance."

Q: Where can I view these balances?
A: After logging into Cardnaira, click on "Wallet" at the top of the page. You can clearly see the real-time status of these three figures at the very top of the page.https://www.cardnaira.com/dashboard/wallet