When does my investment profit actually reach my spendable balance?

AI-agent profit accrues daily into the investment's own value (its 'current value'), which is why you see 'Earning' rows and the investment growing — but that profit is not added to your spendable Balance yet, and those Earning rows don't move your balance. The full amount (your principal plus all accrued profit) is paid into your Balance only when you cash the investment out. When you request a cashout it's scheduled to pay on the 1st of the following month, and on that date the entire current value is credited to your Balance in one Cashout entry. An investment that reaches the end of its lock-up but that you haven't cashed out simply stops growing and waits for you to request the cashout.