If a user has an exchange funding account where the USDC, USDT or USDG balance exceeds what's shown, there could be an amount that's not available for withdrawal, for example. Some of the user's existing assets might be protected or locked.3. How long does it take for USDC/USDT/USDG transferred from my exchange account to arrive in my Pay balance? It typically takes a few seconds for transfer to be processed. We'll send an email and push notification once it's completed.4.