{
  "asset": "pa-crypto-approval-vs-settlement",
  "route": "/states/pennsylvania/crypto/",
  "lastChecked": "2026-06-07",
  "stages": [
    {
      "stage": "withdrawal_requested",
      "meaning": "User asks operator to release funds.",
      "canSlowDown": ["bonus status", "limits", "account review", "method eligibility"]
    },
    {
      "stage": "operator_approval",
      "meaning": "Operator reviews account, KYC, payment ownership and terms.",
      "canSlowDown": ["ID review", "source-of-funds", "pending review", "support queue"]
    },
    {
      "stage": "crypto_settlement",
      "meaning": "Transaction moves on-chain after release.",
      "canSlowDown": ["network congestion", "fee level", "wrong network", "wallet issue"]
    },
    {
      "stage": "account_statement_match",
      "meaning": "User reconciles wallet, account statement and tax records.",
      "canSlowDown": ["missing statement export", "exchange records", "fair-market-value records"]
    },
    {
      "stage": "escalation",
      "meaning": "User contacts support, complaint route or scam route.",
      "canSlowDown": ["missing TXID", "missing cashier screenshot", "off-platform support pressure"]
    }
  ]
}