Even if your payment lapses, we will never--in fact, we can never--stand between you and your funds.
If there is a lapse in your membership for any reason, there is a 30-day "grace period" in which no changes at all will be made to the app.
Once the 30 days elapse without payment, you'll be restricted in the app to "withdrawal only" mode. You won't be able to generate a new address for additional deposits, make changes to your vault keyset, or use the Casa Recovery Key, but you will be able to select your full balance and transfer your funds to an external address at any time using the two keys that you control.
With Casa's Sovereign Recovery feature, you can even use your keys to recover funds outside of the Casa app.