> For the complete documentation index, see [llms.txt](https://whitepaper.hibikirun.com/hibiki-run-whitepaper-v3.0/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://whitepaper.hibikirun.com/hibiki-run-whitepaper-v3.0/how-it-works/in-app-wallets.md).
# In-app wallets
Users will have access to two wallets in one place: a Hibiki wallet that shows in-app transactions and a Polygon wallet that shows token transactions in and out.
## How Hibiki Wallet works
* **Hibiki Account** - Check your in-app token balance as well as Hibiki Run digital collectibles with ease. Hibiki Run purchases use this account for spendings.
* **To Polygon** - Move your assets from Hibiki Wallet to your Polygon Wallet.
* **Transaction History** - You can also check in-app transaction details dashboard with a single click.
## How Polygon Wallet works
* **Polygon Account** - You can easily check your cryptocurrency and digital collectible balances from Hibiki Run after they were withdrawn.
* **To Hibiki** - Move your assets from Polygon Account to Hibiki Account.
* **Receive / Send** - Transfer your assets on-chain to another external wallet address and vice versa.
* **Transaction History** - You can also check both cryptocurrency and collectibles history records conducted between Hibiki Account and Polygon Account with a single click.
## How to deposit to the Hibiki Account
* **Step 1** - **Set up** your Polygon Account
* **Step 2** - **Deposit** to Polygon Account via **Receive** function (You can also deposit to your in-app Polygon Account via external platforms)
* **Step 3** - **Deposit** to Hibiki Account via **To Hibiki** function
* **Step 4** - You are all set to purchase collectibles in Hibiki Run marketplace
## HUT daily withdrawal limit
To help sustain a stable virtual economy, it is crucial to have a systematic approach in place regarding [$HUT and $HBK](/hibiki-run-whitepaper-v3.0/tokenomics/usdhut-and-usdhbk.md#usdhut)circulation. One of the measures is setting daily withdrawal limit.
### Daily withdrawal limit formula:
{\[(`TotalEchoRewards`)/2 + (`TotalGenesisHeadphoneRarity`)x5 + (`NumberOfCollectibles`)] x `MarketFactor`} + `BonusAllowance`
Additionally, the above is subject to a 5,000 HUT ceiling.
### Note:
* `TotalEchoRewards` means Echo obtained accumulatively via various means, both in-app and offline, for details please refer to [The EchoSystem](/hibiki-run-whitepaper-v3.0/how-it-works/the-echosystem.md)
* `TotalGenesisHeadphoneRarity` means the average of all of your Genesis Headphones’ rarity using numerical representation from 1 to 7 (1 for Dope, 7 For Titan)
* `NumberOfCollectibles` means total number of collectibles including POAP that a user holds
* `MarketFactor`is the indicator of market/token price condition:
* Initially `MarketFactor` =3
* It may be adjusted depending on market condition
* `BonusAllowance` means a discretionary allowance that may change from time to time for celebrating events, etc. Currently set to 0 HUT.
* Daily withdraw limit is calculated on a weekly basis, on **every Sunday 23:00\~23:59 (UTC)**
* Daily withdraw limit refreshed at **00:00 (UTC)**
* There is also an HUT withdrawal transaction fee of **10 HUT** to cover necessary blockchain network gas fee
## Wallet Settings
* **Passcode** - You can change your passcode (6 digits), which you will need to log in to both of your accounts.
* **Face ID** - In addition to passcode, you can also enable face ID to log in to your Hibiki account.
* **Show Secret Phrase** - Secret Phrases are keys to restore your wallet on blockchain. You can view the secret phrase (12 words) of your Polygon account at any time.
* **Import / Remove wallet** - The wallet feature supports importing a polygon wallet you already have, as well as removing your current polygon wallet.