The Holding Account contains deposits made into your Plenti account as well as capital and interest repayments on existing loans. You can withdraw these funds from your account immediately or place them on market to be matched against borrower loans.
Funds in your Holding Account are held as cash on trust in an account with an Australian Authorised Deposit-taking Institution, in the name of Plenti's appointed custodian. You do not earn any interest while your funds are in your holding account.
The custodian also acts as the legal lender of record in relation to loans made to borrowers.