> For the complete documentation index, see [llms.txt](https://coinsafe.gitbook.io/coinsafe-docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://coinsafe.gitbook.io/coinsafe-docs/vault/target-safe/unlock-safe-with-penalty.md). # Unlock safe with penalty Life happens—and sometimes you may need to access your funds before your Target Safe has matured. Coinsafe allows **early unlocks**, but they come with a small penalty to encourage disciplined saving. *** ## 🚨 What Happens When You Unlock Early? Unlocking a Target Safe before its scheduled end date will: * Attract a **1% breaking fee** on the total balance. * **Forfeit any accumulated interest** on the Safe. * Release your principal balance back to your main wallet. Use early unlocks only when necessary—your savings streak and long-term rewards are built on consistency. *** ## How to Unlock a Target Safe Early Let’s say you’re unlocking the Safe titled *“Getting a New Apartment.”* *** ### 1️⃣ Go to Vault > Target Safes Navigate to **Target Safes**, and select the Safe you wish to unlock early. *** ### 2️⃣ Click “Unlock” You’ll see a button labeled **Unlock**. Tap it to proceed. ⚠️ A warning will appear, explaining the 1% fee and loss of interest. *** ### 3️⃣ Confirm and Approve Review the penalty details, then approve the transaction in your wallet. Once confirmed: * Your Safe is unlocked. * Funds (minus the 1% fee) are returned to your main wallet. * You’ll see a transaction record in your **Activity** tab. *** ## Before You Unlock * Remember that unlocking early **breaks your savings streak** and disqualifies you from potential interest rewards. * Early unlock is **final**—you can’t undo it once confirmed. {% embed url="" %} *** 🙋 Need help setting up a target safe? {% content-ref url="/pages/2y2tUiUxnR2a48naWEsA" %} [Create a Target Safe](/coinsafe-docs/vault/target-safe/create-a-target-safe.md) {% endcontent-ref %} --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter: ``` GET https://coinsafe.gitbook.io/coinsafe-docs/vault/target-safe/unlock-safe-with-penalty.md?ask=&goal= ``` `ask` is the immediate question: it should be specific, self-contained, and written in natural language. `goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.