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An earning becomes a usable payout only after the competition finalizes it. A payout or refund can be unclaimed, prepared, submitted, claimed, or forfeited, depending on the available claim action and its deadline. Earning a reward and completing settlement are separate events. Keep the wallet funded and ready when the competition requires a claim, and complete the claim before the disclosed window closes. If a race is cancelled, a confirmed entry may become eligible for a refund under that race’s policy. Check the payout item rather than assuming every attempt is refundable.