That is stored by the user request, if any user has a large transaction, and upon his request we will store his funds in a cold wallet for more security and privacy.
How is anything automated, if you send funds in cold wallet only at the user's request?
Otherwise, what exactly sets you apart and proves you as a reliable intermediary in any transactions? As far as I understand, you have access to funds at all times. What are the guarantees that you will not voluntarily close the contract and leave with the money?