# 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. 

<figure><img src="/files/wsE39KH2m5MiHOpN7Ome" alt=""><figcaption></figcaption></figure>

## How Polygon Wallet works

* **Polygon Account** - You can easily check your cryptocurrency and digital collectible balances from Hibiki Run after they were withdrawn.&#x20;
* **To Hibiki** - Move your assets from Polygon Account to Hibiki Account.&#x20;
* **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.

<figure><img src="/files/iFbNiTgbHwl8INuIAlda" alt=""><figcaption></figcaption></figure>

## 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)&#x20;
* **Step 3** - **Deposit** to Hibiki Account via **To Hibiki** function
* **Step 4** - You are all set to purchase collectibles in Hibiki Run marketplace

<figure><img src="/files/DChz1oslXLOix5GskrR4" alt=""><figcaption></figcaption></figure>

## 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.&#x20;
* 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.


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