My Apple Cash says locked

For information about locked Apple Cash see If your Apple Cash account is restricted or locked - Apple Support including the following:

Your account may be locked if there's suspected fraud on the account, or if additional security checks need to be completed. If your account is locked, you can't use Apple Cash to make purchases, send or receive money, add money to your account, or transfer money to your bank.

If your account is locked and there are no instructions provided, contact Apple Support.