If your revenue pattern grows quickly, money will be held for longer in expectation of chargebacks. If none happen during this period, and all checks pass it will be released. This happens because if they release the funds they will be on the hook for the 100k + charback fees, which depending on the size/number of your transactions, could be higher than your entire 100k.

Their docs explain this.

> account payout is frozen

Frozen payouts are different than money being held for longer.

If that’s the reason, why don’t stripe say so when they block the account?