Prediction-market platforms Kalshi and Polymarket US apply different withdrawal rules for settled winnings, highlighting divergent approaches to fund liquidity. Kalshi exempts settled earnings that exceed a user's original deposits from withdrawal holds, allowing traders faster access to profits. Polymarket US, by contrast, requires both deposits and tied proceeds to clear before funds can be withdrawn, with the process typically taking three to four business days. The differing policies underscore how prediction-market operators balance regulatory compliance against user access to capital.