Withdrawals

How to withdraw from your WaterX account, and the multi-layer security behind it.

Overview

Withdrawing burns your USD balance 1:1 back into a supported stablecoin, sent to your specified address.

Withdrawals currently support withdrawing to Sui (USDC or USDsui). Cross-chain withdrawal to other chains such as Ethereum and Arbitrum is coming soon.

Withdrawal Rules

Item	Rule
Burn rate	1:1 fixed (1 USD balance = 1 USDC / USDsui)
Minimum withdrawal	$10
Withdraw fee	0.1% (deducted from the withdrawal amount)
Estimated time	To Sui: instant, subject to Sui finality. Other chains: additional wait time once cross-chain withdrawal launches
Sui-side gas	Sponsored by WaterX

About the withdraw fee: Currently a flat 0.1% for all users. Once a tier system launches, higher-tier users will be eligible for discounts on — or even removal of — the withdrawal fee.

Warning: Funds locked as trading margin cannot be withdrawn. Close positions or adjust margin first.

How to Withdraw

1. Click Withdraw

2. Select the withdrawal asset (USDC or USDsui)

3. Enter an amount and the Sui destination address

4. Confirm and sign

5. Funds arrive in your wallet once complete

Withdrawal Caps & Protocol Review

To protect all users' assets, WaterX applies rolling 24-hour caps on instant withdrawals:

Cap Type	Description
Per-account cap	Maximum a single account can withdraw instantly within a rolling 24-hour window
Protocol cap	Maximum protocol-wide instant withdrawals within a rolling 24-hour window, scaled dynamically to protocol size

When an instant withdrawal exceeds a cap, it is not rejected — it enters a protocol review process and is released once the account's activity is confirmed to be normal. The purpose of this mechanism is to prevent an attacker from draining user funds in a single action in the event of a compromised account or leaked private key. Review typically completes within 24 hours.

Tip: Everyday withdrawal amounts won't hit these caps and complete instantly. Only a single large withdrawal, or a large amount within a short window, may enter protocol review.

Multi-Layer Security

Every withdrawal request passes through multiple security checks that protect both the protocol and user assets:

Layer	Check	If Not Passed
System status	Whether the protocol is in a global pause	Withdrawals rejected during a pause
Cap check	Whether the per-account / protocol 24-hour instant cap is exceeded	Enters protocol review
Reserve health	Whether a stablecoin is significantly depegged or NAV is abnormal	Triggers a pause
Liquidity check	Whether the destination chain has sufficient reserves	Suggests switching withdrawal chain or waiting for daily rebalance

Note: Entering protocol review instead of rejecting is intentional. Under normal conditions, a large withdrawal simply goes through one extra review step and typically completes within 24 hours. In the extreme case of a compromised private key, the same mechanism limits how much an attacker can extract in a short period, protecting user assets. Details on NAV monitoring and the circuit breaker are in Unified Liquidity & WaterX USD.

Cross-Chain Withdrawal (Coming Soon)

Withdrawing to other chains such as Ethereum and Arbitrum is in development. Once available:

• Withdraw to Sui: released instantly from Sui reserves (1:1)

• Withdraw to another chain: released via the cross-chain layer from that chain's reserves, requiring additional wait time and subject to its reserve balance

• If the destination chain has insufficient reserves, the system prompts you to switch chains or wait for the daily rebalance

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Key takeaway: Withdrawals burn 1:1 back to a stablecoin, charge a 0.1% fee (discountable or removable under a future tier system), with a $10 minimum. To Sui is instant; other chains add wait time once launched. Instant withdrawals have rolling 24-hour caps — exceeding a cap sends the withdrawal to protocol review (typically completing within 24 hours) rather than rejecting it, preventing attackers from draining user funds.

Related: Multichain Deposit · Unified Liquidity & WaterX USD · Account system