Generally, invested balances are out of reach for every day spending and use. Investors typically have to sell their shares/ETFs and wait anywhere between 3-5 business days for settlement. Finch has come up with an innovative way to have you access your money, even though it is invested.
When the markets are open, you can access 100% of your balance immediately, even though it is invested. When markets are closed (click here for market hours), you can access 80% of your balance, which protects from potential large swings in invested balances, though that may be unlikely to happen.