Can I unstake CNFI?
Users can choose to unstake their sCNFI at any time. However, if they choose to unstake before their staking period has been completed, there may be penalties, and you may lose your account level benefits.
What are the penalties for unstaking sCNFI?
Unstaking sCNFI may have impacts to your account and may incur additional penalties.
Account and credit card tier
You need to maintain the staking requirement in order to keep your account benefits. If your staked amount drops below the required staking level, the following may be impacted:
Your credit card tier may be downgraded
Your credit limit may be reduced or cancelled
Your credit rate may increase
Your credit card benefits may be reduced or cancelled
Your loan rates and fees may increase
Your APY rate may be decreased
You may need to pay more to buy and sell crypto
 |  |  |  |  | |
Account level | BASIC | SILVER | GOLD | PLATINUM | BLACK |
sCNFI required | 0 | 5000 | 20000 | 100,000 | 200,000 |
Eligible card tier |  |  |  |  |  |
Unstaking penalties
When you stake tokens you can choose a basic stake (not time locked), or an evolution stake, where you commit to staking tokens for a fixed period of time in return for a bonus Evolution Multiplier.
When you unstake, you may incur additional penalties, depending on how you have staked your tokens:
Basic Stakes (not time locked) - No additional penalty
Evolution Stakes (time locked) - An additional penalty of 2x total CNFI bonuses earned over the staking period will be incurred.
For example, Jane locks in 5000 tokens for 12 months to earn a 15% evolution bonus on January 1. Over the next six months she earns 100 bonus CNFI. On July 30, she chooses to unstake all of her tokens. She incurs a penalty of 200 CNFI for early unstaking.
How do I unstake CNFI?
You can unstake tokens from the Client Portal and from the Token Portal
Login and authorise your wallet
Select ‘Unstake’
Choose the amount to unstake
Agree to the penalties, if required
Confirm the unstaking process
Your tokens are released instantly and you can withdraw or re-stake through the platform.