Account Freezes
In certain situations, Crowd.Credit may freeze account activity to protect users and the protocol. This page explains when freezes occur, what they mean, and how to resolve them.
Types of Freezes
Credit Freeze
Your credit line is suspended, preventing new purchases. Existing balances remain and must still be repaid.
Triggers:
- Health factor drops below 1.0
- Missed payment beyond 30 days
- Fraud detection (High severity)
- User-initiated freeze request
Withdrawal Freeze
Deposit withdrawals are temporarily suspended.
Triggers:
- Outstanding credit balance exceeds collateral value
- Active liquidation in progress
- Regulatory compliance hold
Full Account Freeze
All activity (credit, deposits, withdrawals) is suspended.
Triggers:
- Critical fraud detection
- Legal or regulatory requirement
- User-reported compromise
Resolving a Freeze
Credit Freeze Resolution
| Cause | Resolution |
|---|---|
| Low health factor | Add collateral to bring health factor above 1.5 |
| Missed payment | Make overdue payment plus any late fees |
| Fraud flag | Complete identity verification and fraud review |
| User-initiated | Contact support to lift the freeze |
Withdrawal Freeze Resolution
| Cause | Resolution |
|---|---|
| Excess credit balance | Repay credit to restore health factor above 1.5 |
| Active liquidation | Wait for liquidation to complete (typically < 1 hour) |
| Compliance hold | Provide requested documentation |
Full Freeze Resolution
Full account freezes require direct contact with the Crowd.Credit support team. You will receive an email with specific instructions and required documentation.
User-Initiated Freezes
You can freeze your own account at any time as a security measure:
- Via the app: Settings > Security > Freeze Account
- Via the API:
POST /api/v1/account/freeze - Via support: Contact support for immediate freeze
Self-imposed freezes can be lifted at any time by the account holder after completing 2FA verification.