Why can one RAFY Capital balance show a withdraw button while another one right next to it doesn't? Most first-time questions about how to withdraw your earnings come back to one detail: your money sits in three separate wallets, and each one has its own rules.
Once you understand those rules, a withdrawal takes a few minutes. This guide covers the wallets, the minimums and each step of the request. It finishes with a worked example you can compare with your own dashboard.
Three wallets, three different jobs
RAFY Capital keeps your balances apart on purpose. The funds you invest, the profit those funds earn and the commission you get from referrals are each tracked in their own place. That makes it easy to see where every dollar came from.
The deposit wallet holds the money you add to invest in a plan. It is the engine of your account, not a cash-out balance, so it can't be withdrawn. Your profit collects in the interest wallet, and commission from the referral program collects in the referral wallet.
| Wallet | What it holds | Withdrawable? | Minimum |
|---|---|---|---|
| Deposit | Funds added to invest in plans | No | — |
| Interest / Profit | Returns earned by your active plans | Yes | $10 |
| Referral Commission | Earnings from the 12/5/2/1% referral tiers | Yes | $50 |
In practice, you can only withdraw your earnings from the two wallets that hold earnings. The deposit wallet stays with your plans and keeps them running.
Minimum withdrawal limits explained
Each withdrawable wallet has a minimum amount before a request can go through. For profit it's $10. For referral commission it's $50.
The referral minimum is higher because that balance usually builds up in larger amounts. Commission is paid across four tiers, and as your network grows it can add up faster than daily profit. If you want to know how each tier adds to that wallet, our guide to how the referral program works, tier by tier goes through it in detail.
How to withdraw your earnings, step by step
The process is the same for both earning wallets. If you haven't explored your account yet, the RAFY Capital dashboard guide explains where each section is. After that, the steps are simple.
- Log in to your RAFY Capital account and open your dashboard.
- Check your wallet balances. Confirm which wallet has enough to meet its minimum: $10 for profit, $50 for referral.
- Open the withdrawal section from the dashboard menu.
- Select the wallet you want to withdraw from, either interest/profit or referral commission.
- Enter the amount. It has to be at or above that wallet's minimum and no more than its available balance.
- Check your payout details carefully before you continue.
- Submit the request and confirm it.
- Track the status in your transaction history until it shows as complete.
That's it. There's no paperwork and no email back-and-forth. Everything happens inside the dashboard.
Watch the withdrawal walkthrough
The short withdrawal video below follows one request from start to finish on a live dashboard. It shows each of the eight steps above, from selecting a wallet to seeing the payout marked complete in your transaction history.
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It's a useful companion to the written steps, especially if this is your first withdrawal.
A worked example
Here is an illustrative scenario with round numbers. The figures show how the rules work. They don't predict returns.
Say an investor named Sara has these balances:
- Deposit wallet: $500, active in a plan
- Interest wallet: $14
- Referral wallet: $38
Sara can withdraw the $14 from her interest wallet right away because it's above the $10 minimum. Her referral wallet is still $12 short of $50, so it stays put for now. The $500 in her deposit wallet keeps working inside her plan.
A few weeks later, a couple of new referrals push her commission to $55. She can now request a referral withdrawal too. It's the same process, just a different wallet chosen in step four.
The simple rule: deposits keep working, profit can be withdrawn from $10, and referral commission from $50.
Smart habits for smoother withdrawals
Knowing how to withdraw your earnings is one part. Doing it well is the other. A few habits help:
- Plan around the minimums. If your referral wallet is close to $50, waiting a few days lets you make one clean withdrawal instead of checking back again and again.
- Decide what to take out and what to keep investing. Some investors withdraw their profit regularly. Others add more to their deposit wallet so a bigger balance keeps working in a plan.
- Keep your payout details up to date so every request goes to the right place.
- Check your transaction history after each request. It's the quickest way to confirm everything went through.
If you're newer to the platform and want to see how deposits, plans and wallets connect from the start, read how RAFY Capital works.
Start earning, then withdraw with confidence
Withdrawing on RAFY Capital comes down to three facts. Your deposit wallet powers your plans. Your profit can be withdrawn from $10. Your referral commission can be withdrawn from $50. Once those are clear, every request follows the same few steps.
Ready to build a balance worth withdrawing? Explore the investment plans on RAFY Capital and share your referral link to start earning commission across all four tiers.