When you want to cash out money, your Mintos strategy automatically sells investments in your strategy to other investors using the same strategy. Selling may take from minutes up to a few days, depending on demand from other investors at the time and current market conditions. You can only sell investments that still qualify for Mintos strategies. Only current investments are available for cashing out. If a loan or Set of Notes in your strategy is late, you can get your money when it recovers or buyback kicks in. You can also manually sell most late investments in Notes on the Secondary Market. If an investment has a pending payment, you can only cash out once the payment has been processed.