Withdrawals

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.

How Withdrawals Work

When you initiate a withdrawal from maxAPY, the process follows one of two paths:

Path 1: Instant Withdrawals

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is covered by our idle reserves - funds we strategically maintain on our Base vault - you will be able to claim the withdrawn funds immediately.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

Path 2: Delayed Withdrawals

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":

1. Initiation: You start the withdrawal process

2. Processing: Our system automatically triggers fund retrieval from the relevant strategies

3. Bridge Transit: Funds move back to our base chain through optimized routes

4. 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.

Cross-Chain Reallocation Periods

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.

Final Step: Claiming

Withdrawals in maxAPY follow a two-step process:

1. Requesting a Withdrawal: Funds are queued for retrieval from the vault (we just went over this).

2. 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.

Notifications

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Withdrawal Timeline

The processing time for strategic withdrawals varies based on two primary factors:

1. Strategy Location: Which chain(s) your funds are currently deployed on

2. 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:

1. Available Now: Amount that can be withdrawn instantly

2. Processing Required: Amount that needs to be retrieved from strategies

3. 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.

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Best Practices for Users

To optimize your withdrawal experience:

1. Plan Ahead: For large withdrawals, consider initiating the process before urgent needs arise

2. Check Available Liquidity: The interface shows instantly available amounts

3. Monitor Status: Track your withdrawal progress through our Dashboard

4. Understanding Timing: Larger withdrawals may require more time due to cross-chain movements