Your “Available Balance” is how much you can withdraw or send immediately. After depositing funds directly from your bank account (not including wire transfers or debit cards), you will be able to immediately buy digital assets using your Fiat wallet. However, some deposited funds are placed under an initial hold before you can take them out of CoinZoom (see What Does Funds on Hold Mean?) You will not be able to withdraw these funds to your bank, or send digital assets you purchased using them, until your deposit has cleared from your bank.