Complete Withdrawal Flow: Exit Process & User Off-boarding¶
Audience: business, product, customer-support Executive Summary: Подробный процесс withdrawal для пользователей Saga — от инициирования вывода до получения USDC в кошелёк. Включает partial withdrawals (сохранение инвестиций), complete exit (закрытие позиций), emergency scenarios и retention strategies.
Withdrawal Flow Goals¶
Primary Goals:
- ✅ Speed: <10 minutes от запроса до получения USDC в кошелёк
- ✅ Transparency: Чёткое объяснение fees, timing, impact на yields
- ✅ Flexibility: Partial или full withdrawal без penalties
- ✅ Retention: Удержать пользователей через education и incentives (где appropriate)
Secondary Goals:
- ✅ Feedback collection (почему user withdraws)
- ✅ Re-engagement opportunities (email notifications о future yields)
- ✅ Referral retention (даже если user exits, может refer друзей)
Withdrawal Types & Scenarios¶
Type 1: Partial Withdrawal (Keep Investing)¶
User Intent: "Нужны деньги, но хочу продолжать инвестировать остаток"
Covered In: Investment Flow Document
Key Points:
- Withdraw specific amount от одной или нескольких strategies
- Remaining balance continues accruing yield
- No penalties, no minimum holding period
- Gas fees apply (~$5-8 Ethereum network fee)
Type 2: Full Withdrawal from Single Strategy¶
User Intent: "Хочу закрыть позицию в Balanced strategy, но сохранить Conservative"
Flow Detail:
Step 1: Strategy Selection
┌─────────────────────────────────────────────────────────┐
│ Withdraw Funds │
│ │
│ Active Strategies: │
│ │
│ ┌───────────────────────────────────────────────────┐ │
│ │ Balanced (10% APY) │ │
│ │ Balance: 1,534.25 USDC ← [Withdraw All] │ │
│ │ Principal: 1,500 | Yield: +34.25 │ │
│ └───────────────────────────────────────────────────┘ │
│ │
│ ┌───────────────────────────────────────────────────┐ │
│ │ Conservative (5% APY) │ │
│ │ Balance: 1,014.18 USDC [Keep This] │ │
│ │ Principal: 1,000 | Yield: +14.18 │ │
│ └───────────────────────────────────────────────────┘ │
└─────────────────────────────────────────────────────────┘
Step 2: Confirm Full Withdrawal
┌─────────────────────────────────────────────────────────┐
│ ⚠️ Confirm: Withdraw ALL from Balanced Strategy │
│ │
│ You're withdrawing: │
│ • Total Amount: 1,534.25 USDC │
│ • Principal: 1,500.00 USDC │
│ • Earned Yield: +34.25 USDC │
│ │
│ This will: │
│ ✅ Close your Balanced strategy position │
│ ✅ Burn all stUSDC10 tokens │
│ ✅ Send USDC to your wallet (0x1234...5678) │
│ ✅ Stop daily yield accrual from this strategy │
│ │
│ ⚠️ Impact on Portfolio: │
│ • Remaining Investment: 1,014.18 USDC (Conservative) │
│ • Daily Yield After: +0.14 USDC (was +0.56 USDC) │
│ • Annual Yield: ~$50/year (was ~$200/year) │
│ │
│ Processing Time: 5-10 minutes │
│ Network Fee: ~$6-10 (Ethereum gas) │
│ │
│ 💡 Alternative: Keep 10% invested? That's only │
│ ~$150 but maintains your position и compounding. │
│ │
│ [Cancel] [Keep 10%] [Withdraw All Anyway] │
└─────────────────────────────────────────────────────────┘
User Psychology:
- Impact Awareness: Clearly show reduced future yields
- Retention Attempt: "Keep 10%" soft suggestion
- No Dark Patterns: "Withdraw All Anyway" clearly available
- Transparency: Show exact amounts (principal vs yield)
Step 3: Processing (identical to partial withdrawal)
Type 3: Complete Exit (Close All Positions)¶
User Intent: "Покидаю Saga полностью, вывожу всё"
Pre-Withdrawal Retention Screen:
┌─────────────────────────────────────────────────────────┐
│ We're Sorry to See You Go 😔 │
│ │
│ You're about to withdraw all funds and close your │
│ Saga account. │
│ │
│ Your Portfolio Performance: │
│ • Total Invested: $2,500.00 │
│ • Current Balance: $2,548.43 (+1.94%) │
│ • Total Yield Earned: +$48.43 │
│ • Days Active: 45 days │
│ • Average Daily Yield: +$1.08/day │
│ │
│ 📊 If You Keep Investing (Next 12 Months): │
│ • Projected Balance: $2,800.00 │
│ • Projected Yield: +$300.00 │
│ • With Compounding: +$315.20 │
│ │
│ ❓ Help Us Improve: │
│ Why are you withdrawing? (optional) │
│ [ ] Need funds for emergency │
│ [ ] Found better yield elsewhere │
│ [ ] Don't trust DeFi security │
│ [ ] Too complex to manage │
│ [ ] Gas fees too expensive │
│ [ ] Other: _____________ │
│ │
│ 💡 Consider: │
│ • Pause investing (withdraw but keep account) │
│ • Lower to Conservative strategy (safer, 5% APY) │
│ • Withdraw 50% (keep compounding on rest) │
│ │
│ [Pause Account] [Proceed to Full Withdrawal] │
└─────────────────────────────────────────────────────────┘
Feedback Categories & Responses:
1. "Need funds for emergency"
┌─────────────────────────────────────────────────────────┐
│ We understand — emergencies happen. │
│ │
│ 💡 Quick Tip: You can always come back! │
│ Your wallet (0x1234...5678) will be remembered. │
│ Future deposits skip onboarding. │
│ │
│ 📧 Want yield notifications when rates improve? │
│ [Yes, Email Me] [No Thanks] │
│ │
│ [Continue to Withdrawal] │
└─────────────────────────────────────────────────────────┘
2. "Found better yield elsewhere"
┌─────────────────────────────────────────────────────────┐
│ Interesting! We'd love to learn more. │
│ │
│ What yield are you getting elsewhere? │
│ [ ] 15-20% APY │
│ [ ] 20-30% APY │
│ [ ] 30%+ APY │
│ │
│ ⚠️ Higher yields often = higher risk │
│ Saga focuses on "3+ risk-free rates" (proven │
│ protocols: Pendle $3B TVL, Curve $5B TVL) │
│ │
│ 💡 Consider: Keep small position in Saga as │
│ diversification/fallback? │
│ │
│ [Keep 20% Invested] [Withdraw All] │
└─────────────────────────────────────────────────────────┘
3. "Don't trust DeFi security"
┌─────────────────────────────────────────────────────────┐
│ Security is our #1 priority. Let us address your │
│ concerns: │
│ │
│ Saga Security Model: │
│ ✅ Non-Custodial: You control private keys │
│ ✅ Fordefi MPC Custody: Institutional-grade security │
│ ✅ Audited Protocols: Pendle/Curve 10+ audits each │
│ ✅ Smart Contract Audits: Trail of Bits verified │
│ ✅ On-Chain Transparency: All operations visible │
│ │
│ 📚 Learn More: │
│ [Security Documentation] [Audit Reports] │
│ │
│ Still want to withdraw? We respect your decision. │
│ │
│ [Read Security Docs First] [Proceed to Withdrawal] │
└─────────────────────────────────────────────────────────┘
4. "Too complex to manage"
┌─────────────────────────────────────────────────────────┐
│ We want Saga to be simple! Where did we fall short? │
│ │
│ [ ] Dashboard too technical │
│ [ ] Too many strategy choices │
│ [ ] Don't understand yields/APY │
│ [ ] Metamask transactions confusing │
│ [ ] Other: _____________ │
│ │
│ 💡 Saga Philosophy: "Banking Window" │
│ You shouldn't need DeFi expertise to earn passive │
│ income. If we're failing at this, we want to fix it.│
│ │
│ Would a "Full Auto" mode help? │
│ (We invest for you based on risk tolerance) │
│ │
│ [Join Beta for Auto Mode] [Withdraw Anyway] │
└─────────────────────────────────────────────────────────┘
Withdrawal Confirmation (After Feedback):
┌─────────────────────────────────────────────────────────┐
│ Final Confirmation: Complete Exit │
│ │
│ Withdrawing From All Strategies: │
│ • Balanced (10% APY): 1,534.25 USDC │
│ • Conservative (5% APY): 1,014.18 USDC │
│ ────────────────────────────────────────────────── │
│ • Total Withdrawal: 2,548.43 USDC │
│ │
│ Breakdown: │
│ • Your Principal: 2,500.00 USDC │
│ • Earned Yield: +48.43 USDC │
│ │
│ This will: │
│ ✅ Close all strategy positions │
│ ✅ Burn all stUSDC tokens (stUSDC5/10/20) │
│ ✅ Send USDC to 0x1234...5678 │
│ ⚠️ Stop all yield accrual │
│ │
│ Processing: Two transactions (one per strategy) │
│ Network Fees: ~$12-18 total (Ethereum gas) │
│ │
│ Account Status After: │
│ • Wallet connected: Yes (can return anytime) │
│ • Historical data: Preserved (view past yields) │
│ • Email notifications: Optional (update preferences) │
│ │
│ [Go Back] [Confirm: Withdraw All & Exit] │
└─────────────────────────────────────────────────────────┘
Processing Flow:
Step 1: First Strategy Withdrawal
┌─────────────────────────────────────────────────────────┐
│ ⏳ Withdrawal 1/2: Balanced Strategy │
│ │
│ 🔄 Burning stUSDC10 tokens (1,534.25)... │
│ ⏳ Withdrawing from Pendle protocols... │
│ ⏳ Withdrawing from Curve/Convex... │
│ ⏳ Transferring 1,534.25 USDC to wallet... │
│ │
│ Transaction: 0xAbc...123 [View on Etherscan] │
│ │
│ Next: Conservative strategy withdrawal will start │
│ automatically after this completes. │
└─────────────────────────────────────────────────────────┘
Step 2: Second Strategy Withdrawal
┌─────────────────────────────────────────────────────────┐
│ ⏳ Withdrawal 2/2: Conservative Strategy │
│ │
│ ✅ Balanced withdrawal complete (1,534.25 USDC) │
│ │
│ 🔄 Burning stUSDC5 tokens (1,014.18)... │
│ ⏳ Withdrawing from Pendle Foundation... │
│ ⏳ Transferring 1,014.18 USDC to wallet... │
│ │
│ Transaction: 0xDeF...456 [View on Etherscan] │
│ │
│ Estimated Completion: 2-3 minutes │
└─────────────────────────────────────────────────────────┘
Final Success Screen:
┌─────────────────────────────────────────────────────────┐
│ ✅ Complete Exit Successful │
│ │
│ All funds withdrawn to your wallet: │
│ 0x1234...5678 │
│ │
│ Final Breakdown: │
│ • Balanced Strategy: 1,534.25 USDC ✅ │
│ • Conservative Strategy: 1,014.18 USDC ✅ │
│ ────────────────────────────────────────────────── │
│ • Total Received: 2,548.43 USDC ✅ │
│ │
│ 🎉 Your Saga Journey (45 Days): │
│ • Invested: $2,500.00 │
│ • Earned: +$48.43 (1.94% return) │
│ • Daily Avg: +$1.08/day │
│ • Best Day: +$1.25 (Oct 15) │
│ │
│ Thank You for Trusting Saga! 🙏 │
│ │
│ Your account remains active: │
│ • Return anytime (wallet already connected) │
│ • View historical performance anytime │
│ • Refer friends (earn 0.5% APY bonus) │
│ │
│ 📧 Email Preferences: │
│ [ ] Notify me when yields improve (>12% APY) │
│ [ ] Monthly Saga platform updates │
│ [ ] Unsubscribe from all emails │
│ [Save Preferences] │
│ │
│ [View Transaction History] [Disconnect Wallet] │
│ │
│ Need help? [Email Support] [Twitter] │
└─────────────────────────────────────────────────────────┘
Post-Exit Journey:
Email 1: Immediate Confirmation (5 minutes after exit)
Subject: ✅ Withdrawal Complete - 2,548.43 USDC Sent
Hi 0x1234...5678,
Your complete withdrawal from Saga is confirmed.
Funds Sent: 2,548.43 USDC
Destination: Your wallet (0x1234...5678)
Transactions:
• Balanced: 0xAbc...123
• Conservative: 0xDeF...456
Your Performance:
• Invested: $2,500.00
• Earned Yield: +$48.43 (1.94%)
• Days Active: 45 days
Thank you for being part of Saga! Your wallet is still
connected, so you can return anytime — no re-onboarding needed.
Questions? Reply to this email or follow us on Twitter.
Best,
Saga Team
Email 2: Re-Engagement (30 days after exit, IF user opted in)
Subject: 📈 Saga Yields Up: Now 12-22% APY
Hi,
You asked us to notify you when yields improve. Good news!
Current Saga Yields (Dec 2025):
• Conservative: 6% APY (was 5%)
• Balanced: 12% APY (was 10%)
• Aggressive: 22% APY (was 20%)
Why the increase?
• Pendle yields up due to treasury rate hikes
• Convex boost multipliers improved
• Curve 3pool trading volume increased
If you invested your previous $2,500:
• 30 days ago: Would have earned ~$25
• Next 30 days: Could earn ~$30
Your wallet is still connected. One click to restart:
[Reactivate My Account]
Not interested? [Unsubscribe]
Best,
Saga Team
Emergency Withdrawal Scenarios¶
Scenario 1: User Panic (Market Crash)¶
Trigger: User sees crypto market crash, wants to exit immediately
Calming UI:
┌─────────────────────────────────────────────────────────┐
│ Emergency Withdrawal Request Detected │
│ │
│ ⚠️ IMPORTANT: Your funds are in USDC stablecoin │
│ │
│ Market crash impact on Saga: │
│ • USDC value: Pegged to $1 USD (stable) │
│ • Your balance: Not affected by ETH/BTC crash │
│ • Protocols: Pendle/Curve specialized in stables │
│ │
│ Your Current Balance: $2,548.43 (unchanged) │
│ │
│ 💡 Recommendation: │
│ Saga invests in USDC stablecoin strategies. │
│ Market volatility doesn't affect your principal. │
│ │
│ Options: │
│ 1. [Keep Investing] - USDC remains stable │
│ 2. [Switch to Conservative] - Extra safety (5% APY) │
│ 3. [Withdraw Anyway] - If you need cash urgently │
│ │
│ [Learn About Stablecoins] [Proceed to Withdraw] │
└─────────────────────────────────────────────────────────┘
Goal: Education to prevent panic withdrawals
Scenario 2: Protocol Exploit (Rare)¶
Trigger: Pendle or Curve suffers security breach
Emergency Communications:
1. Immediate Dashboard Alert:
┌─────────────────────────────────────────────────────────┐
│ 🚨 SECURITY ALERT: Protocol Incident Detected │
│ │
│ Affected Protocol: Curve Finance │
│ Your Exposure: ~$750 (30% of portfolio) │
│ │
│ Saga Actions Taken (Automated): │
│ ✅ Emergency pause activated on Curve strategies │
│ ✅ Your funds frozen (cannot be moved by anyone) │
│ ✅ Withdrawals from Curve temporarily disabled │
│ ✅ Other protocols (Pendle, Convex) unaffected │
│ │
│ What This Means: │
│ • 70% of your funds ($1,798) are safe and active │
│ • 30% ($750) are frozen pending investigation │
│ • No funds have been lost yet │
│ │
│ Next Steps: │
│ 1. Saga security team assessing situation (1-2 hrs) │
│ 2. Communication via email/Twitter (every 2 hours) │
│ 3. Withdrawal from unaffected protocols available │
│ │
│ [Withdraw Unaffected Funds] [Follow Twitter Updates] │
│ │
│ Last Update: 2 minutes ago | [Refresh Status] │
└─────────────────────────────────────────────────────────┘
2. Email Update (Every 2 Hours):
Subject: 🚨 Security Update: Curve Incident Hour 4
Current Status (4 hours since incident):
Your Portfolio:
✅ Unaffected: $1,798 (Pendle/Convex)
⏸️ Frozen: $750 (Curve pool)
Curve Situation:
• Exploit confirmed: $10M affected across all users
• Saga allocation: $8M total (Curve represents 30%)
• Recovery Plan: Curve team deploying fix in 6-8 hours
• Insurance: Partial coverage via Nexus Mutual
Saga Actions:
✅ Emergency pause remains active
✅ Legal team engaged for recovery efforts
✅ Communication with Curve DAO established
Your Options:
1. Wait for recovery (recommended - 80%+ recovery likely)
2. Withdraw unaffected funds now ($1,798 available)
3. Claim insurance payout (50-70% coverage, immediate)
Next Update: 6 hours from now (or sooner if major developments)
Questions? Reply to this email or contact support@saga.surf
Saga Security Team
Goal: Transparent crisis management, maintain user trust
Withdrawal Metrics & Analytics¶
Success Metrics:
Withdrawal Completion Rate: 98.5%
(99% start → 98.5% complete, 1.5% abandoned mid-flow)
Average Withdrawal Time: 8 minutes 32 seconds
(Target: <10 minutes)
Retention After Partial Withdrawal: 75%
(75% users who partially withdraw continue investing)
Full Exit Rate: 12% per quarter
(88% users remain active each quarter)
Re-Activation Rate: 35%
(35% of exited users return within 6 months)
Churn Reasons (From Feedback):
- 40% - Need funds for emergency
- 25% - Found better yields elsewhere
- 15% - Gas fees too expensive
- 10% - Security concerns
- 10% - Other/No reason given
Retention Interventions (Effectiveness):
- "Keep 10%" suggestion: 30% conversion
- Educational security docs: 45% continue after reading
- Yield improvement notifications: 35% re-activate
- "Pause account" option: 20% choose pause vs exit
Related Documents¶
User Flows:
- Onboarding Flow - Initial user journey
- Investment Flow - Ongoing management
✍️ Document Information¶
Author: Saga Product & Operations Team Contributors: Customer Support, DeFi Security Team, UX Designer
"A great exit experience turns churned users into future advocates — even if they leave today, they'll recommend us tomorrow."
— Saga Retention Team
📋 Метаданные¶
Версия: 2.4.82
Обновлено: 2025-10-21
Статус: Published