I think you may confusing two different hold periods:
This is the hold period for how long your funds are held by IBKR after they arrive at IBKR before you can “trade” - buy currency, or stocks, or crypto.
IBKR initiated ACH: 4 business days
Wire: 0 days (immediate)
Bank initiated ACH (Online Bill Payment): 0 business days (immediate if coming from your own account at that bank), 3-10 business days (if coming from someone else’s account)
This is a separate (but can run concurrently with the Trade Hold I believe, but not completely sure) hold period, that governs when you can move that asset OUT of IBKR to another bank or brokerage.
IBKR initiated ACH: 4 business days (if going back to bank account it came from), 44 days if to any other account
Wire: 3 business days
Bank initiated ACH (Online Bill Payment): 3 business days (if it came from your own account at that bank)
Ref: Funding Reference | Interactive Brokers LLC