How do the penalties work?
If you sell or send more than 10% of your holdings within 30 days you will have a penalty, meaning you won't be able to use the investment application or upgrade your tier for free. The penalty varies for each tier: Beginner, 1 month / Initiate, 2 months / Pro, 3 months / Elite: 4 months (you can still re-gain any tier by FIAT buy).