To be fair, 240 hours divided by an 8 hour work day is 30 days. That’s pretty good amount of time that can roll over. Where I live it isn’t measured in hours but there is less time that can roll over than 30 days.

Forgive my ignorance, but in this scenario doesn’t the broker then lose this $20 in the “returned” lower value BRL?

Why would a broker make trades like this? Why is a broker even lending money? It just seems like sanitised gambling with extra steps.