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Версия: 3.3.51 Обновлено: 2026-01-23

Investment Management Flow: Ongoing User Journey

Executive Summary: Полный lifecycle пользователя после первого депозита — daily yield accrual, portfolio management, strategy switching, additional deposits, и monitoring. Фокус на transparency, education и empowering users через data.

Investment Management Goals

  • ✅ Daily Engagement: Users check dashboard 2-3x/week для yield tracking
  • ✅ Transparency: Real-time visibility в capital allocation и yields
  • ✅ Flexibility: Easy strategy switching без penalties

  • ✅ Compounding Awareness: Education о power of compounding yields

  • ✅ Portfolio diversification (users invest в multiple strategies)

  • ✅ Referral generation (satisfied users invite friends)
  • ✅ Community participation (Twitter engagement)

Daily User Experience

Morning Dashboard Check (2-3 minutes)

User Opens app.saga.surf

Dashboard Overview:

flowchart TB
    subgraph DASHBOARD["Dashboard Overview"]
        subgraph SUMMARY["Portfolio Summary"]
            S1["Total Invested: 2,500.00 USDC"]
            S2["Current Balance: 2,534.25 USDC (+1.37%)"]
            S3["Total Yield Earned: +34.25 USDC"]
            S4["Yesterday: +0.68 USDC"]
        end

        subgraph STRATEGY["Active Strategy"]
            ST1["Basic (10% APY) - 2,500 USDC"]
        end

        subgraph ACTIONS["Actions"]
            A1["Deposit More"]
            A2["Withdraw"]
        end
    end

    SUMMARY --> STRATEGY
    STRATEGY --> ACTIONS

    style SUMMARY fill:#e1f5fe
    style STRATEGY fill:#fff3e0

User Psychology:

  • Immediate Gratification: See yesterday's yield first thing
  • Progress Visualization: 7-day, 30-day yields show momentum
  • Diversification Clarity: Multiple strategies clearly separated
  • Capital Allocation Transparency: "Pendle: 750 USDC | Curve: 450 USDC" builds trust

Investment Management Flows

Flow 1: Investment Overview (MVP Single Strategy)

Scenario: User views their investment with Basic strategy (10% APY)

MVP Note: В текущей MVP версии используется единая стратегия с фиксированной доходностью 10% APY. Multiple strategies планируются в будущих версиях.

Current MVP Strategy:

Parameter Value
Strategy Basic (единственная)
APY 10% фиксированная
Fees Zero (no blockchain fees for user)

Process:

  1. User deposits funds via Crypto2B
  2. Backend auto-creates investment with 10% APY
  3. Operator manages capital in Fordefi custody
  4. Daily yield accrual at 00:00 UTC

User Psychology:

  • Zero Friction: No blockchain transactions required from user
  • Simplicity: One strategy — no complex decisions
  • Predictability: Fixed 10% APY for planning

Flow 2: Adding More Capital (Additional Deposit)

Scenario: User wants to deposit more USDC к existing investment

Current Investment Status:

Parameter Value
Current Balance 1,500.00 USDC
Daily Yield +0.41 USDC
Strategy Basic (10% APY)

Step 2: Send USDC/USDT to Deposit Address

flowchart LR
    A["User's wallet/exchange"] -->|"USDC/USDT"| B["Saga Deposit Address"]
    B --> C["Crypto2B detects"]
    C --> D["Balance updated"]
    D --> E["Strategy allocation"]

    style E fill:#90EE90

Deposit Process:

  1. User gets deposit address (TRON or Ethereum network)
  2. Sends USDC/USDT from any wallet or exchange
  3. Crypto2B detects and processes deposit
  4. Balance appears in dashboard (typically 5-30 minutes)
  5. Funds auto-allocated to selected strategy

Educational Insight:

  • Show "compounding benefit" explicitly
  • No gas fees for the user — Saga handles all blockchain costs

Flow 3: Partial Withdrawal (Keep Investment Active)

Scenario: User needs some funds but wants to keep investing

Current Investment Status:

Parameter Available Composition
Basic (10% APY) 1,534.25 USDC Principal: 1,500 + Yield: 34.25

Step 2: Specify Withdrawal Amount and Address

User enters: - Withdrawal amount (25% / 50% / 100% presets available) - Destination wallet address (TRON or Ethereum)

Parameter Value
Available Balance 1,534.25 USDC
Withdrawal Amount 500.00 USDC
Remaining 1,034.25 USDC
New Daily Yield +0.28 USDC

Step 3: Admin Review & Approval

flowchart LR
    A["User creates request"] --> B["Pending review"]
    B --> C["Admin approval"]
    C --> D["Fordefi sends funds"]
    D --> E["User receives USDC"]

    style E fill:#90EE90

Processing Time: 1-24 hours (admin review for security)

Step 4: Withdrawal Complete

Result Value
Amount Sent 500.00 USDC
Principal Withdrawn 465.75 USDC
Yield Withdrawn 34.25 USDC
Remaining Investment 1,034.25 USDC
New Daily Yield +0.28 USDC

User Psychology:

  • Transparency: Clear breakdown principal vs yield
  • Impact Awareness: "New daily yield -0.14 USDC" helps user understand cost of withdrawal
  • Flexibility: Option to reinvest immediately в different strategy
  • No Penalties: Emphasize "no lock-ups, withdraw anytime"

Portfolio Analytics & Insights

Weekly Performance Email (Optional)

Subject: Your Saga Portfolio: +$4.79 This Week 📈

flowchart TB
    subgraph REPORT["Weekly Performance Report"]
        subgraph YIELD["This Week"]
            Y1["Total Yield: +$4.79"]
            Y2["Strategy: Basic (10% APY)"]
        end

        subgraph GROWTH["Portfolio Growth"]
            G1["Starting: $2,500.00"]
            G2["Ending: $2,504.79 (+0.19%)"]
        end

        subgraph ALLTIME["All-Time"]
            A1["Total Deposited: $2,500.00"]
            A2["Total Yield: +$48.63"]
            A3["Days Invested: 45"]
        end
    end

    style YIELD fill:#e8f5e8
    style GROWTH fill:#e3f2fd

Goal: Keep users engaged, showcase progress

User Flows:

Business:

Technical:

"Great investment platforms make users feel like financial experts — without requiring expertise." — Saga Product Team