​
Staging Test: Withdrawal Flow

Test Area: Withdrawal Flow
Estimated Time: 20-25 minutes
Difficulty: Medium
Prerequisites: Complete 03-deposit-flow first. Investor needs active tranches with available profit/principal.

​
Overview

This guide tests the withdrawal request system. Investors can withdraw:
  • Profit from active tranches
  • Principal from matured tranches
  • Referral Bonuses from bonus wallet

​
Withdrawal Lifecycle

Standard Users (Individual, KYC-verified): 
Submit Withdrawal → REQUESTED → Admin Approves → IN_PROCESS → Admin Sends Payout → COMPLETED
                                      ↓
                               (If rejected) → REJECTED (funds returned)
Institution Users (require two-admin approval): 
Submit Withdrawal → REQUESTED → First Admin Approves → AWAITING_SECOND_APPROVAL
                                                              ↓
                                     Second Admin Approves → IN_PROCESS → COMPLETED
                                              ↓
                                    (Same admin cannot second-approve)

​
Withdrawal Types

TypeSourceWhen Available
PROFITTranche available_profitAnytime (if profit > 0)
PRINCIPALTranche principalAfter lock-in ends (matured)
REFERRAL_BONUSBonus walletAnytime (if balance > 0)
Minimum Withdrawal: $25 (enforced for all withdrawal types)

​
Before You Start

​
URLs

PageURL
Loginhttps://zestamc.savibm.com/login
Investor Withdrawalshttps://zestamc.savibm.com/investor/withdrawals
Admin Withdrawalshttps://zestamc.savibm.com/admin/withdrawals

​
Test Accounts

RoleEmailOTP
Investortestinvestor@zestamc.comCheck email
Adminadmin@zestamc.comCheck email

​
Current Test Data

UserPrincipalAvailable ProfitBonus Balance
testinvestor$10,000$0 (initial)$0 (initial)
Note: Available profit will be $0 until a profit distribution cycle is run. Test profit withdrawal after running a cycle (see 06-profit-distribution.md).

​
Test Cases

​
Test 1: View Withdrawals Page

Goal: Verify investor can access the withdrawals page Steps:
  1. Log in as testinvestor@zestamc.com
  2. Click “Withdrawals” in the left sidebar
  3. View the withdrawals page
Expected Results:
ElementWhat You Should See
Page title”Withdrawals”
Withdrawal historyList of past withdrawal requests (may be empty)
New withdrawal button”Request Withdrawal” or similar button
Available amountsShows available profit/principal/bonus
Pass Criteria: ✅ Withdrawals page loads with all elements

​
Test 2: View Available Withdrawal Sources

Goal: Verify investor can see what’s available to withdraw Steps:
  1. On the Withdrawals page
  2. Click “Request Withdrawal” button
  3. Look at the available sources
Expected Results:
SourceWhat You Should See
Profit sourcesList of tranches with available profit
Principal sourcesList of matured tranches (if any)
Bonus walletReferral bonus balance
AmountsDollar amounts for each source
Pass Criteria: ✅ Can see available withdrawal sources with amounts

​
Test 3: Submit Profit Withdrawal

Goal: Verify investor can submit a profit withdrawal Preparation: This test requires available profit. If available_profit is $0, first run a profit distribution cycle (see 06-profit-distribution.md). Steps:
  1. Log in as testinvestor@zestamc.com
  2. Go to “Withdrawals” page
  3. Click “Request Withdrawal”
  4. Select source: Choose a tranche with available profit
  5. Select type: “Profit”
  6. Enter amount (e.g., 25 or whatever’s available)
  7. Click “Submit”
  8. When OTP dialog appears, enter OTP from email
  9. Confirm
Expected Results:
StepWhat You Should See
Amount validationAccepts amount up to available profit
After OTPSuccess message “Withdrawal request submitted”
StatusNew withdrawal shows “REQUESTED” status
Pass Criteria: ✅ Profit withdrawal request submitted

​
Test 4: Submit Referral Bonus Withdrawal

Goal: Verify investor can withdraw from bonus wallet Preparation:
  • Feature Flag Required: This test requires the referral feature to be enabled:
    • Backend: FEATURE_REFERRAL_ENABLED=true
    • Frontend: VITE_FEATURE_REFERRAL_ENABLED=true (requires rebuild)
  • Requires bonus balance > 0. Run a profit distribution cycle with referrals to generate bonus balance.
Note: If the referral feature is disabled, this test will fail with a 403 error. The bonus wallet option will not appear in the withdrawal sources list.
Steps:
  1. Log in as testinvestor@zestamc.com
  2. Go to “Withdrawals” page
  3. Click “Request Withdrawal”
  4. Select source: “Bonus Wallet” or “Referral Bonus”
  5. Enter amount
  6. Click “Submit”
  7. Enter OTP from email
Expected Results:
StepWhat You Should See
Bonus optionBonus wallet shows as withdrawal source
Amount limitCannot exceed bonus balance
After submitSuccess message
StatusShows “REQUESTED”
Pass Criteria: ✅ Bonus withdrawal request submitted

​
Test 5: View Withdrawal History

Goal: Verify investor can see their withdrawal requests Steps:
  1. On the Withdrawals page
  2. Look at the withdrawal history list
  3. Find your recent withdrawal requests
Expected Results:
ElementWhat You Should See
ListShows all withdrawal requests
DetailsAmount, type, status, date visible
Status badgesColor-coded status (yellow=pending, green=completed)
Pass Criteria: ✅ Withdrawal history displays correctly

​
Test 6: Admin Views Pending Withdrawals

Goal: Verify admin can see pending withdrawal requests Steps:
  1. Log out and log in as admin@zestamc.com
  2. Navigate to Admin → “Withdrawals” or “Withdrawal Approvals”
  3. Look for pending withdrawals
Expected Results:
ElementWhat You Should See
Pending listWithdrawals with REQUESTED status
DetailsUser email, amount, type, wallet address
ActionsApprove/Reject buttons
Pass Criteria: ✅ Admin can see pending withdrawals

​
Test 7: Admin Approves Withdrawal (Standard User)

Goal: Verify admin can approve a withdrawal for standard (non-institution) users Steps:
  1. Log in as admin@zestamc.com
  2. Go to “Withdrawal Approvals” (table view)
  3. Find a pending withdrawal from a standard user
  4. Click “Approve”
  5. Confirm
Expected Results:
StepWhat You Should See
After approveSuccess message
Status changeWithdrawal status → IN_PROCESS
Wallet infoUser’s wallet address shown for payout
Payout button”Send Payout” button becomes available
Pass Criteria: ✅ Withdrawal approved and moved to IN_PROCESS (single approval)

​
Test 8: Admin Sends Payout

Goal: Verify admin can trigger NOWPayments payout for approved withdrawal Steps:
  1. Find the IN_PROCESS withdrawal from Test 7
  2. Click “Send Payout”
  3. Select payout network/currency if prompted
  4. Confirm
Expected Results:
StepWhat You Should See
Payout dialogShows amount, wallet address, network
After sendSuccess message “Payout initiated”
StatusStays IN_PROCESS (waiting for blockchain)
NOWPayments IDPayout ID shown for tracking
Pass Criteria: ✅ Payout triggered via NOWPayments

​
Test 9: Admin Completes Withdrawal Manually

Goal: Verify admin can manually complete a withdrawal (fallback if payout fails) Steps:
  1. Find an IN_PROCESS withdrawal
  2. Click “Complete Manually” or “Mark Complete”
  3. Enter transaction hash: 0xCOMPLETE1234567890abcdef1234567890abcdef1234567890abcdef12345678
  4. Add optional notes
  5. Confirm
Expected Results:
StepWhat You Should See
TX hash fieldRequired input
After completeSuccess message
Status changeWithdrawal status → COMPLETED
HistoryMoves to completed withdrawals
Pass Criteria: ✅ Withdrawal completed manually with TX hash

​
Test 10: Investor Sees Completed Withdrawal

Goal: Verify investor can see their completed withdrawal Steps:
  1. Log in as testinvestor@zestamc.com
  2. Go to “Withdrawals” page
  3. Find the completed withdrawal
Expected Results:
ResultWhat You Should See
StatusShows “COMPLETED” with green badge
Transaction infoMay show payment transaction hash
Pass Criteria: ✅ Investor sees completed status

​
Test 11: Admin Rejects Withdrawal

Goal: Verify admin can reject a withdrawal Preparation: Submit a new withdrawal request as investor first Steps:
  1. Submit a new withdrawal as testinvestor@zestamc.com
  2. Log in as admin@zestamc.com
  3. Go to “Withdrawal Approvals”
  4. Find the pending withdrawal
  5. Click “Reject”
  6. Enter reason: “Test rejection - suspicious activity”
  7. Confirm
Expected Results:
StepWhat You Should See
Reject promptRequires rejection reason
After rejectSuccess message
StatusWithdrawal shows REJECTED
FundsAmount returned to source (profit/bonus)
Pass Criteria: ✅ Withdrawal rejected and funds returned

​
Test 12: Withdrawal Amount Validation

Goal: Verify system validates withdrawal amounts Steps:
  1. Log in as testinvestor@zestamc.com
  2. Start a new withdrawal request
  3. Try to enter an amount greater than available
Expected Results:
TestWhat You Should See
Exceeds availableError: “Insufficient balance” or similar
FormPrevents submission
Pass Criteria: ✅ Cannot withdraw more than available

​
Test 13: Withdrawal Requires Wallet

Goal: Verify system requires approved wallet for withdrawal Note: Only applicable if testing with account that has no approved wallet Steps:
  1. Try to submit a withdrawal without an approved wallet
  2. Observe the error
Expected Results:
ResultWhat You Should See
Error”Please add a wallet address first”
No submissionCannot proceed without wallet
Pass Criteria: ✅ System requires approved wallet

​
Test 14: Institution User - First Admin Approval

Goal: Verify institution user withdrawals require two-admin approval Preparation: Need an institution user account with withdrawal capability. If not available, skip this test. Steps:
  1. Log in as an institution user
  2. Submit a withdrawal request
  3. Log in as admin@zestamc.com
  4. Go to “Withdrawal Approvals”
  5. Find the institution user’s withdrawal
  6. Click “Approve”
  7. Confirm
Expected Results:
StepWhat You Should See
User type indicatorShows “INSTITUTION” badge on the withdrawal
After first approveSuccess message: “First approval recorded”
Status changeWithdrawal status → AWAITING_SECOND_APPROVAL
UI indicationShows “Needs second approval” or similar
Pass Criteria: ✅ First approval moves to AWAITING_SECOND_APPROVAL (not IN_PROCESS)

​
Test 15: Institution User - Second Admin Approval

Goal: Verify second admin can complete institution withdrawal approval Preparation: Complete Test 14 first Steps:
  1. Log in as a different admin (e.g., second admin account)
  2. Go to “Withdrawal Approvals”
  3. Find the withdrawal in AWAITING_SECOND_APPROVAL status
  4. Click “Approve” (second approval)
  5. Confirm
Expected Results:
StepWhat You Should See
Second approvalSuccess message
Status changeWithdrawal status → IN_PROCESS
Ready for payout”Send Payout” button now available
Pass Criteria: ✅ Second admin approval completes the approval process

​
Test 16: Institution User - Same Admin Cannot Second-Approve

Goal: Verify same admin cannot provide both approvals Preparation: Have an institution withdrawal in AWAITING_SECOND_APPROVAL status Steps:
  1. Log in as the admin who gave the first approval
  2. Go to “Withdrawal Approvals”
  3. Find the withdrawal in AWAITING_SECOND_APPROVAL
  4. Try to click “Approve” again
Expected Results:
ResultWhat You Should See
Error”Same admin cannot provide second approval” or disabled
No approvalStatus remains AWAITING_SECOND_APPROVAL
Pass Criteria: ✅ System prevents same admin from second-approving

​
Test Results Summary

TestStatusNotes
Test 1: View Page⬜ Pass / ⬜ Fail
Test 2: View Sources⬜ Pass / ⬜ Fail
Test 3: Profit Withdrawal⬜ Pass / ⬜ Fail
Test 4: Bonus Withdrawal⬜ Pass / ⬜ Fail
Test 5: View History⬜ Pass / ⬜ Fail
Test 6: Admin View⬜ Pass / ⬜ Fail
Test 7: Admin Approve (Standard)⬜ Pass / ⬜ Fail
Test 8: Admin Send Payout⬜ Pass / ⬜ Fail
Test 9: Admin Complete Manually⬜ Pass / ⬜ Fail
Test 10: Investor Verify⬜ Pass / ⬜ Fail
Test 11: Admin Reject⬜ Pass / ⬜ Fail
Test 12: Amount Validation⬜ Pass / ⬜ Fail
Test 13: Wallet Required⬜ Pass / ⬜ Fail
Test 14: Institution First Approve⬜ Pass / ⬜ Fail
Test 15: Institution Second Approve⬜ Pass / ⬜ Fail
Test 16: Same Admin Prevention⬜ Pass / ⬜ Fail

​
Important Notes

​
Testing Withdrawals Without Profit

If available profit is $0, you need to first run a profit distribution cycle:
  1. Log in as admin
  2. Go to Cycles page
  3. Create, start, set rate, and distribute a cycle
  4. This generates profit that can be withdrawn
See 06-profit-distribution.md for detailed instructions.

​
Principal Withdrawal

Principal can only be withdrawn from matured tranches (lock-in period ended). The test tranches may still be in lock-in period.

​
Referral Bonus Withdrawal (Test 4)

Feature Flag Dependency: Referral bonus withdrawals require the referral feature to be enabled:
  • Backend: Set FEATURE_REFERRAL_ENABLED=true in environment variables
  • Frontend: Set VITE_FEATURE_REFERRAL_ENABLED=true and rebuild the application
If the feature is disabled:
  • Bonus wallet will not appear as a withdrawal source
  • Attempting to submit a referral bonus withdrawal will return a 403 error
  • The error message: “Referral bonus withdrawals are currently disabled”
To test referral bonus withdrawals, ensure both feature flags are enabled before starting Test 4.

​
Troubleshooting

​
”Minimum withdrawal is $25” error

Withdrawal amount must be at least $25.

​
”Insufficient balance” error

The amount you’re trying to withdraw exceeds what’s available. Check:
  1. Available profit in the selected tranche
  2. Bonus wallet balance
  3. Matured principal (if withdrawing principal)

​
“Please add a wallet” error

  1. Go to Wallets page and add a wallet
  2. Wait for admin approval
  3. Then try withdrawing

​
Withdrawal stuck in REQUESTED

Admin needs to approve the withdrawal. Log in as admin and process it.

​
Withdrawal stuck in AWAITING_SECOND_APPROVAL

This is an institution user withdrawal. A different admin must provide the second approval.

​
No profit available to withdraw

Run a profit distribution cycle first. See 06-profit-distribution.md.

​
Payout failed

If NOWPayments payout fails, admin can:
  1. Retry the payout with “Send Payout” button
  2. Complete manually with a transaction hash from external wallet

​
”Referral bonus withdrawals are currently disabled” error (Test 4)

This error occurs when trying to withdraw referral bonuses but the feature flag is disabled:
  1. Check backend environment: FEATURE_REFERRAL_ENABLED must be true
  2. Check frontend environment: VITE_FEATURE_REFERRAL_ENABLED must be true
  3. Rebuild frontend if you changed VITE_FEATURE_REFERRAL_ENABLED
  4. Restart backend if you changed FEATURE_REFERRAL_ENABLED
If you don’t need to test referral withdrawals, you can skip Test 4.

​
Next Steps

After completing withdrawal flow testing, proceed to: