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Deposits and Withdrawals: the Lifecycle

A deposit or withdrawal recorded in the CRM doesn't happen in a single step. It moves through three distinct phases — CRM recording, manager approval, and Finance execution — and each phase has a different owner. Understanding the full path helps you see why a transaction recorded in a lead's profile eventually shows up in the Finance ledger, and what happens at each hand-off.

Phase 1: The agent records the transaction (CRM)​

An agent working a lead initiates the transaction from the lead's profile. For a deposit, they click Create a Deposit, choose the deposit type and method, enter the amount, and submit. For a withdrawal, they first ensure a withdrawal account (bank account, e-wallet, etc.) is on file for the lead, then click Create a Withdrawal and fill in the details.

At this point the transaction exists in the system as a Pending Lead Transaction. Nothing has been credited, debited, or sent anywhere. The lead's financial position has not changed yet.

Phase 2: Manager approval (Lead Transactions)​

The pending transaction appears in the manager's Lead Transactions queue. The manager reviews the request — amount, type, method, and the lead it's attributed to — and either approves or rejects it.

  • Approved: the transaction is confirmed against the lead's record and moves forward. The lead's activity history reflects the approved transaction.
  • Rejected: the transaction is discarded. The lead's financial record is unaffected, and no downstream processing is triggered.

This is where the CRM's role effectively ends. For a lead who is also a registered customer on the trading platform, an approved transaction doesn't just stay in the CRM — it propagates into the Finance views.

Phase 3: Finance execution and reconciliation​

Once a Lead Transaction is approved, it surfaces in the Finance team's queues:

  • Approved deposits appear in Finance → Deposits with a status of Pending or In Review. The Finance team verifies the payment details (and, where applicable, payment proof), then approves the deposit to credit the customer's wallet. Once the wallet is credited, the customer sees the balance update in their portal.
  • Approved withdrawals appear in Finance → Withdrawals. The Finance team verifies the destination account and the customer's available balance, then processes the payout through the appropriate external channel. Once funds are sent, they mark the withdrawal Completed.

After execution, both deposits and withdrawals are reflected in the unified Finance → Transactions ledger. The ledger is the single source of truth for all money movement — it shows the full status history (Pending → Approved → Completed) along with which employee processed each step.

The hand-off points​

Agent records transaction
        ↓
  Lead Transactions queue (Pending)
        ↓
  Manager: Approve or Reject
        ↓ (if approved)
  Finance queue (Deposit or Withdrawal, Pending)
        ↓
  Finance team: Execute payout / credit wallet
        ↓
  Transaction Ledger (Completed)

A note on scope​

This lifecycle describes the path for transactions recorded by agents on behalf of leads/customers. The Finance team can also create deposits and withdrawals directly in the Finance views (outside of the CRM Lead Transaction flow), which skips phases 1 and 2 and enters the Finance execution phase directly. The end state in the ledger is the same either way.

See also​