Withdrawals
Last updated
maxAPY V1
Last updated
At maxAPY, we believe in absolute transparency about how your funds move through our system, especially during withdrawals. While we optimize for instant liquidity, our cross-chain architecture means some withdrawals might require a brief processing period.
When you initiate a withdrawal from maxAPY, the process follows one of two paths:
If your withdrawal amount is covered by our idle reserves - funds we strategically maintain on our Base vault - you will be able to claim the withdrawn funds immediately. We maintain these reserves through a sophisticated optimization system that balances immediate availability with yield optimization.
maxAPY continuously calculates the optimal amount of funds to keep readily available, considering:
Historical withdrawal patterns
Current gas costs across chains
Yield differentials between strategies
Expected bridge processing times
For amounts exceeding our idle reserves, the withdrawal process involves retrieving funds from active strategies, which may be deployed across different chains. This creates a "bridge-dependent timeline":
Initiation: You start the withdrawal process
Processing: Our system automatically triggers fund retrieval from the relevant strategies
Bridge Transit: Funds move back to our base chain through optimized routes
Completion: Funds become available for claiming
maxAPY utilizes multiple bridge providers to ensure the fastest possible processing times, automatically selecting the most efficient route based on real-time conditions.
During active strategy reallocation, when funds are being bridged between chains to a new high-yielding opportunity, withdrawal availability is temporarily adjusted. The vault maintains a portion of funds as "idle reserves" on Base chain for immediate withdrawals, while the remainder is in transit.
Why can't we retrieve funds mid-bridge?
This limitation stems from the fundamental nature of cross-chain transactions - once a bridging operation begins, the assets are locked in a specialized bridge contract while message verification and state updates propagate across chains. Attempting to interrupt this process could lead to transaction failures or, worse, permanently locked funds. It's similar to how you can't cancel a bank wire transfer mid-flight - the system needs to complete its secure verification process.
Until the cross-chain transfer is complete, withdrawals exceeding the available idle funds can't be processed. Once completed, withdrawals will be available as usual.
Withdrawals in maxAPY follow a two-step process:
Requesting a Withdrawal: Funds are queued for retrieval from the vault (we just went over this).
Claiming the Withdrawal: Once processed, funds are available to claim and must be manually executed by the user.
Once your withdrawal is processed, you’ll find it in the Claim Section of the Vault, ready for execution.
How to Track Your Claim Status
To ensure you never miss a claim opportunity, maxAPY provides multiple ways to stay informed:
Notification Tray: Get a "Claim Available" alert in real-time when your withdrawal is ready.
One-Time Email Notifications: Opt-in at withdrawal request to receive an email when your funds are claimable.
Dashboard Recent Activity: Monitor your withdrawal’s progress and transaction logs.
Claims Section: All processed withdrawals will be listed in the vault for execution.
For a full breakdown of how to track your claims and receive alerts, visit the Notifications page.
The processing time for strategic withdrawals varies based on two primary factors:
Strategy Location: Which chain(s) your funds are currently deployed on
Bridge Conditions: Current processing times of various bridge providers
Typical processing times:
Instant
For amounts covered by idle reserves
20 min - 4 hours
For cross-chain retrievals under optimal conditions
4-24 hours
For complex multi-chain retrievals or during high network congestion
When initiating a withdrawal, you'll see:
Available Now: Amount that can be withdrawn instantly
Processing Required: Amount that needs to be retrieved from strategies
Estimated Completion: Timeline based on current network conditions
Note: In rare cases where a bridge operation fails, your funds automatically return to maxAPY protocol's recovery system and are automatically reprocessed. This process is handled by our bridge providers and typically resolves within 4 hours. Your funds are never at risk - it's simply a timing delay.
To optimize your withdrawal experience:
Plan Ahead: For large withdrawals, consider initiating the process before urgent needs arise
Check Available Liquidity: The interface shows instantly available amounts
Monitor Status: Track your withdrawal progress through our Dashboard
Understanding Timing: Larger withdrawals may require more time due to cross-chain movements
