Investment Management Flow: Ongoing User Journey¶
Audience: business, product, operations 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¶
Primary 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
Secondary Goals:
- ✅ 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:
┌─────────────────────────────────────────────────────────┐
│ Good Morning, 0x1234...5678! 👋 │
│ │
│ 📊 Portfolio Summary │
│ ┌───────────────────────────────────────────────────┐ │
│ │ Total Invested: 2,500.00 USDC │ │
│ │ Current Balance: 2,534.25 USDC (+1.37%) │ │
│ │ Total Yield Earned: +34.25 USDC │ │
│ │ │ │
│ │ Yesterday: +0.68 USDC │ │
│ │ Last 7 Days: +4.79 USDC │ │
│ │ Last 30 Days: +20.55 USDC │ │
│ │ │ │
│ │ Projected Annual Yield: +250.00 USDC (10% APY) │ │
│ └───────────────────────────────────────────────────┘ │
│ │
│ 💼 Active Strategies │
│ ┌───────────────────────────────────────────────────┐ │
│ │ Balanced (10% APY) 1,500.00 USDC (60%) │ │
│ │ • Daily Yield: +0.41 USDC │ │
│ │ • Pendle: 750 USDC | Curve: 450 USDC | │ │
│ │ Convex: 300 USDC │ │
│ │ [View Details] [Deposit More] [Withdraw] │ │
│ └───────────────────────────────────────────────────┘ │
│ │
│ ┌───────────────────────────────────────────────────┐ │
│ │ Conservative (5% APY) 1,000.00 USDC (40%) │ │
│ │ • Daily Yield: +0.14 USDC │ │
│ │ • Pendle Foundation: 1,000 USDC (100%) │ │
│ │ [View Details] [Deposit More] [Withdraw] │ │
│ └───────────────────────────────────────────────────┘ │
│ │
│ 📈 Performance Chart (Last 30 Days) │
│ [Interactive chart showing balance growth] │
│ │
│ [Add New Strategy] [Portfolio Settings] │
└─────────────────────────────────────────────────────────┘
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
Strategy Management Flows¶
Flow 1: Switching Strategies (Mid-Risk → High-Risk)¶
Scenario: User comfortable with Balanced strategy, wants higher yields
Step 1: Strategy Comparison
┌─────────────────────────────────────────────────────────┐
│ Compare Strategies │
│ │
│ Current: Balanced (10% APY) │
│ Considering: Aggressive (20% APY) │
│ │
│ ┌─────────────────────────────────────────────────┐ │
│ │ Difference Breakdown: │ │
│ │ │ │
│ │ Yield Increase: +10% APY (+$100/year per │ │
│ │ $1,000 invested) │ │
│ │ │ │
│ │ Capital Allocation Changes: │ │
│ │ • Pendle: 50% → 30% (-300 USDC) │ │
│ │ • Curve/Convex: 50% → 70% (+300 USDC) │ │
│ │ • Advanced Strategies: 0% → included │ │
│ │ │ │
│ │ Risk Changes: │ │
│ │ • Protocol Complexity: Moderate → High │ │
│ │ • Volatility: Low → Medium │ │
│ │ • Required Management: Passive → Semi-active │ │
│ │ │ │
│ │ Historical Performance (90 days): │ │
│ │ • Balanced: 10.2% APY (actual) │ │
│ │ • Aggressive: 19.5% APY (actual) │ │
│ └─────────────────────────────────────────────────┘ │
│ │
│ 💡 Recommendation: If you're comfortable with │
│ higher yield volatility (15-25% range vs stable │
│ 10%), Aggressive strategy suits experienced DeFi │
│ users. │
│ │
│ [Keep Balanced] [Switch to Aggressive] │
└─────────────────────────────────────────────────────────┘
Step 2: Switch Confirmation
┌─────────────────────────────────────────────────────────┐
│ Confirm Strategy Switch │
│ │
│ You're about to switch: │
│ Balanced (10% APY) → Aggressive (20% APY) │
│ │
│ Amount to Switch: 1,500.00 USDC │
│ │
│ Process: │
│ 1. Withdraw from Balanced strategy contracts │
│ 2. Reallocate to Aggressive strategy protocols │
│ 3. Mint new stUSDC20 tokens (burn stUSDC10) │
│ │
│ Estimated Time: 5-10 minutes │
│ Network Fees: ~$8-12 (Ethereum gas) │
│ │
│ ⚠️ Important: This will trigger 2 MetaMask │
│ transactions. Yield accrual pauses during switch. │
│ │
│ [Cancel] [Confirm Switch] │
└─────────────────────────────────────────────────────────┘
Step 3: MetaMask Transactions (2x)
Transaction 1: Withdraw from Balanced
┌──────────────────────────────────────┐
│ MetaMask │
│ │
│ Withdraw from Balanced Strategy? │
│ │
│ Amount: 1,500.00 USDC │
│ (+ accrued yield: 34.25 USDC) │
│ │
│ Burning: 1,534.25 stUSDC10 tokens │
│ │
│ Est. Gas: 0.004 ETH (~$10) │
│ │
│ [Reject] [Confirm] │
└──────────────────────────────────────┘
Transaction 2: Deposit to Aggressive
┌──────────────────────────────────────┐
│ MetaMask │
│ │
│ Deposit to Aggressive Strategy? │
│ │
│ Amount: 1,534.25 USDC │
│ (includes previously earned yield) │
│ │
│ Receiving: ~1,534.25 stUSDC20 │
│ tokens │
│ │
│ Est. Gas: 0.005 ETH (~$12.50) │
│ │
│ [Reject] [Confirm] │
└──────────────────────────────────────┘
Step 4: Switch Complete
┌─────────────────────────────────────────────────────────┐
│ ✅ Strategy Switch Complete! │
│ │
│ Your 1,534.25 USDC is now in Aggressive (20% APY) │
│ │
│ New Allocation: │
│ • Pendle Foundation: 460.28 USDC (30%) │
│ • Curve 3pool: 613.70 USDC (40%) │
│ • Convex Boost: 460.28 USDC (30%) │
│ │
│ Projected Annual Yield: +306.85 USDC │
│ Daily Yield: +0.84 USDC (was +0.41 USDC) │
│ │
│ Yield accrual resumes tomorrow 00:00 UTC. │
│ │
│ [Return to Dashboard] │
└─────────────────────────────────────────────────────────┘
User Psychology:
- Transparent Costs: Gas fees shown upfront
- Educational: "Why" за strategy differences объясняется
- Risk Acknowledgment: User explicitly confirms higher risk
- Immediate Feedback: "Daily yield now +0.84 USDC" shows benefit
Flow 2: Adding More Capital (Additional Deposit)¶
Scenario: User wants to deposit more USDC к existing strategy
Step 1: Select Strategy for Deposit
┌─────────────────────────────────────────────────────────┐
│ Add More Capital │
│ │
│ Choose Destination Strategy: │
│ │
│ ┌───────────────────────────────────────────────────┐ │
│ │ ⭐ Balanced (10% APY) Current: 1,500.00 USDC │ │
│ │ Daily Yield: +0.41 USDC │ │
│ │ [Deposit Here] │ │
│ └───────────────────────────────────────────────────┘ │
│ │
│ ┌───────────────────────────────────────────────────┐ │
│ │ Conservative (5% APY) Current: 1,000.00 USDC │ │
│ │ Daily Yield: +0.14 USDC │ │
│ │ [Deposit Here] │ │
│ └───────────────────────────────────────────────────┘ │
│ │
│ Or: │
│ [Create New Strategy Position] │
│ (e.g., start Aggressive strategy with new capital) │
└─────────────────────────────────────────────────────────┘
Step 2: Enter Deposit Amount
┌─────────────────────────────────────────────────────────┐
│ Deposit to Balanced Strategy │
│ │
│ Wallet Balance: 500.00 USDC │
│ Current Strategy Balance: 1,500.00 USDC │
│ │
│ Deposit Amount: │
│ ┌───────────────────────────────────────────────────┐ │
│ │ [________] USDC [Max] [50%] │ │
│ └───────────────────────────────────────────────────┘ │
│ │
│ After Deposit: │
│ • Total in Strategy: 2,000.00 USDC │
│ • New Daily Yield: +0.55 USDC (was +0.41 USDC) │
│ • Projected Annual: +200.00 USDC (was +150.00 USDC) │
│ │
│ 💡 Compounding Benefit: Your existing 1,500 USDC │
│ has already earned +34.25 USDC. Adding 500 USDC │
│ increases future compounding on 2,034.25 USDC total. │
│ │
│ Network Fee: ~$5-8 (Ethereum gas) │
│ │
│ [Continue to Approve] │
└─────────────────────────────────────────────────────────┘
Step 3: Transaction Flow (Same as Onboarding) - USDC Approval (if needed) - Deposit Confirmation - Processing - Success State
Educational Insight:
- Show "compounding benefit" explicitly
- Encourage larger, less frequent deposits (gas efficiency)
Flow 3: Partial Withdrawal (Keep Investment Active)¶
Scenario: User needs some funds but wants to keep investing
Step 1: Select Strategy to Withdraw From
┌─────────────────────────────────────────────────────────┐
│ Withdraw Funds │
│ │
│ Select Strategy: │
│ │
│ ┌───────────────────────────────────────────────────┐ │
│ │ Balanced (10% APY) │ │
│ │ Available: 1,534.25 USDC │ │
│ │ (Principal: 1,500 + Yield: 34.25) │ │
│ │ [Withdraw from This] │ │
│ └───────────────────────────────────────────────────┘ │
│ │
│ ┌───────────────────────────────────────────────────┐ │
│ │ Conservative (5% APY) │ │
│ │ Available: 1,014.18 USDC │ │
│ │ (Principal: 1,000 + Yield: 14.18) │ │
│ │ [Withdraw from This] │ │
│ └───────────────────────────────────────────────────┘ │
│ │
│ Or: [Withdraw from All Strategies Proportionally] │
└─────────────────────────────────────────────────────────┘
Step 2: Specify Withdrawal Amount
┌─────────────────────────────────────────────────────────┐
│ Withdraw from Balanced Strategy │
│ │
│ Available Balance: 1,534.25 USDC │
│ (Principal: 1,500 + Yield: 34.25) │
│ │
│ Withdrawal Amount: │
│ ┌───────────────────────────────────────────────────┐ │
│ │ [________] USDC [25%] [50%] [100%] │ │
│ └───────────────────────────────────────────────────┘ │
│ │
│ After Withdrawal: │
│ • Remaining in Strategy: 1,034.25 USDC │
│ • New Daily Yield: +0.28 USDC (was +0.42 USDC) │
│ • Annual Yield: +103.43 USDC (was +153.43 USDC) │
│ │
│ 💰 You're Withdrawing: │
│ • From Principal: 465.75 USDC │
│ • From Earned Yield: 34.25 USDC │
│ • Total: 500.00 USDC │
│ │
│ Processing Time: 5-10 minutes │
│ Network Fee: ~$5-8 (you pay, deducted from wallet) │
│ │
│ [Cancel] [Confirm Withdrawal] │
└─────────────────────────────────────────────────────────┘
Step 3: Withdrawal Processing
┌─────────────────────────────────────────────────────────┐
│ ⏳ Processing Withdrawal... │
│ │
│ Steps: │
│ ✅ Burning stUSDC10 tokens (500.00) │
│ 🔄 Withdrawing from Pendle/Curve protocols... │
│ ⏳ Transferring USDC to your wallet (pending) │
│ │
│ Transaction: 0xAbc...789 │
│ [View on Etherscan →] │
│ │
│ Estimated Completion: 2-3 minutes │
└─────────────────────────────────────────────────────────┘
Step 4: Withdrawal Complete
┌─────────────────────────────────────────────────────────┐
│ ✅ Withdrawal Complete! │
│ │
│ 500.00 USDC sent to your wallet (0x1234...5678) │
│ │
│ Breakdown: │
│ • Principal Withdrawn: 465.75 USDC │
│ • Yield Withdrawn: 34.25 USDC │
│ │
│ Remaining Investment: │
│ • Balanced Strategy: 1,034.25 USDC │
│ • Daily Yield: +0.28 USDC │
│ │
│ Want to invest these funds elsewhere? │
│ [Deposit to Different Strategy] │
│ │
│ [Return to Dashboard] │
└─────────────────────────────────────────────────────────┘
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: +$28.50 This Week 📈
┌─────────────────────────────────────────────────────────┐
│ Weekly Performance Report (Oct 23-30, 2025) │
│ │
│ Total Yield This Week: +$28.50 │
│ • Balanced Strategy: +$19.20 (67%) │
│ • Conservative Strategy: +$9.30 (33%) │
│ │
│ Portfolio Growth: │
│ • Starting Balance (Oct 23): $2,500.00 │
│ • Ending Balance (Oct 30): $2,528.50 (+1.14%) │
│ │
│ All-Time Performance: │
│ • Total Deposited: $2,500.00 │
│ • Total Yield Earned: +$114.75 │
│ • Current Balance: $2,614.75 (+4.59%) │
│ • Days Invested: 45 days │
│ │
│ Protocol Breakdown: │
│ • Pendle: $1,200 (46%) → +$6.15/week │
│ • Curve: $750 (29%) → +$9.80/week │
│ • Convex: $664.75 (25%) → +$12.55/week │
│ │
│ 💡 Insight: Your Convex allocation generated highest │
│ yields this week (1.89% weekly APY). Consider │
│ increasing Aggressive strategy allocation? │
│ │
│ [View Full Dashboard] [Adjust Strategies] │
└─────────────────────────────────────────────────────────┘
Goal: Keep users engaged, showcase progress, suggest optimizations
Related Documents¶
User Flows:
- Onboarding Flow - Initial user journey
- Withdrawal Flow - Complete exit process
Business:
- Economic Model - Revenue streams, unit economics
Technical:
- Integration-Only Architecture - Enterprise API integration approach
- Deposits Flow - Crypto2B API integration mechanics
- Withdrawals Flow - Fordefi enterprise custody mechanics
✍️ Document Information¶
Author: Saga Product Team Contributors: Operations Team, DeFi Specialist, Data Analytics
"Great investment platforms make users feel like financial experts — without requiring expertise."
— Saga Product Team
📋 Метаданные¶
Версия: 2.4.82
Обновлено: 2025-10-21
Статус: Published