Money Flows
Consumer Withdrawals
Withdraw unused consumer funds after they pass the T+1 matured funds risk window.
Consumer withdrawals let an owner move unused USDC collateral back on-chain. The withdrawal flow is intentionally slower than agent spending because funds leaving the system need stronger finality.
Balance states
- Available balance: indexed consumer balance that can fund authorized agent invocations.
- Matured withdrawable balance: the subset of consumer balance that passed T+1 and can be used for a withdrawal intent.
- Pending/frozen withdrawal funds: funds reserved by an active withdrawal ticket until it is claimed, failed, expired, or reviewed.
Flow
- Owner reviews available balance and matured withdrawable balance.
- Owner creates a withdrawal intent for an amount within matured withdrawable balance.
- Gateway freezes the withdrawal amount and calculates the example consumer withdrawal fee on the ticket.
- Owner claims the ticket on-chain before expiry.
- Gateway reconciles the claim and releases or closes the frozen state.
available balance -> T+1 matured withdrawable balance -> withdrawal intent -> frozen funds -> on-chain claim
Disabled button checklist
If the withdrawal button is disabled, it is usually not just "insufficient balance." Check these states first:
- Funds have not matured through T+1 yet.
- Another active withdrawal intent is already freezing funds.
- The account, withdrawal, or wallet entered manual review.
- The requested amount exceeds matured withdrawable balance after fees.
- The previous ticket expired, failed, or needs reconciliation before a new intent can be created.