Your savings

Your savings are NIM staked from your own Nimiq account. Droplets never holds them. Staking earns rewards from the validator you stake with, and only you can move the stake: every change opens Nimiq Pay's own approval window.

Adding more

Tap Add on Home, choose an amount, and approve it in Nimiq Pay. Anyone's stake can grow this way, but only you can take it out.

Withdrawing

Tap Withdraw, choose an amount or all of it, and approve. Nimiq releases staked NIM at the end of an epoch, so it takes 12 to 24 hours to become available. Come back to Home and finish it with two more approvals in Nimiq Pay, and the NIM lands in your wallet.

Whatever stays in savings must be at least 100 NIM. If a withdrawal would leave less, withdraw everything or leave at least 100 NIM. Money in a dated goal can't be withdrawn before its date unless you break the goal.

Goals

Give part of your savings a name, a target and a date, and keep it locked until then. See Goals, including what breaking one early costs.

While you wait

A withdrawal in progress shows on Home with when it will be ready. Apps that pay you in the meantime send your whole payment to your wallet, because your savings can't take a new deposit until you reopen them.

Activity

The Activity tab lists what apps paid or saved for you, your own deposits and withdrawals, and your weekly draw wins, newest first and grouped by day.