An instant purchase means you can use up to $10,000 per week of your pending bank deposits right away to purchase digital currency. You do not have to wait the 3-5 business days it takes for the ACH transaction to settle in your Circle Invest account. You are also able to sell digital currency in this timeframe as well. However, withdrawals into your bank account are limited until we have received notice of funds settled.
If your deposit reverses, you will need to make another deposit to cover your purchase(s) within 24 hours of our notice to you of uncleared deposits. Since we allow instant purchases on good faith that your deposits will go through, you will lose this privilege if we receive notice of insufficient funds. If you successfully deposit the funds owed to us then you will regain access to your instant purchases.