Creating a personal withdrawal account does not require a verification process and can be used immediately.
However, if you are creating a joint withdrawal account, it may need to undergo a verification process before it can be activated.
For more information:
https://oxsecurities.com/account/how-to-deposit/
https://oxsecurities.com/account/how-to-withdraw/
https://oxsecurities.com/account/client-verification-process/
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