Quick Start
Overview
WHALE's funds management system provides multi‑scenario withdrawal capabilities, allowing users to submit clients' withdrawal requests, approve withdrawals, track exception records during the withdrawal process, and query all historical records.
Quick Start
Prerequisites
- Configure company bank account withdrawal methods
Menu path: Service Parameter > Fund Parameter > Company Bank Account
- Click [Create] to enter the secondary page and add withdrawal channel information (the combination of the brokerage firm's payment bank account and withdrawal method, for example: ICBC Asia 001 — check transfer)
- Enable the withdrawal function for the currency
Menu path: Service Parameter > Fund Parameter > Currency Setup
- Click [Add] to enter the secondary page and set the withdrawal function option to "Yes"
Processing Withdrawal Requests
Based on the client's withdrawal requirements, withdrawal requests can be manually created on the page. If a user has already submitted a withdrawal request via the app, the record will be displayed automatically on this page.
Manual Withdrawal
Click [Manual Withdrawal]; in the popup select the client > select the currency > amount > bank card > remarks and other information, then click [Confirm Withdrawal] to generate the request record (the system will automatically display the withdrawable balance for each currency based on the selected client).
Submit Request
After the request record is generated, the backend risk control system will automatically validate its legitimacy, which takes about five seconds; once the risk control check passes, click [Submit] to proceed to the withdrawal steps.
Withdrawal Processing
After a withdrawal request is submitted, the personnel responsible for executing the withdrawal will flexibly handle the method according to actual circumstances. The system provides two withdrawal modes: Direct Disbursement and Batch Withdrawal. In addition, the user's corresponding withdrawal channels may have daily limits; therefore, a daily withdrawal limit monitoring prompt, management, and viewing functions have been established to reduce withdrawal exceptions.
Direct Disbursement
Step 1: Go to the Pending category under the Withdrawal Processing tab, select the target record, verify that the information is correct, and then click [Direct Disbursement].
Step 2: In the popup, enter the bank name, bank account, channel, and bank transaction reference (if any), then click [Submit for approval] (if ticket approval is not required, this can be configured — see Step 5).
Step 3: Go to the ticketing system, locate the record that was submitted for review, and perform the audit.
Step 4: In the Direct Disbursement pending category, select the target record, click [View and Update Result] to manually update the withdrawal status; setting it to "Successful" completes the disbursement.
Step 5: If ticket approval is not required, you may disable the switch under Business Parameter Settings > Withdrawal Rules > More Settings.
Batch Processing
Step 1: In the Pending category, select multiple target records and click [Pack for arrangement].
Step 2: In the popup, fill in the relevant bank information and click [Submit for approval].
Step 3: Go to the Batch Pending category, select the batch you just created, click [Approve], and approve it in the prompted ticket.
Step 4: Click [Direct update] on the batch record to open the popup, then manually update each detailed record in the batch to "Successful" according to the actual disbursement situation (batch operations are supported).
Step 5: Go to the ticketing system to re‑audit the results you just updated; once approved, the disbursement is complete.
Daily Limit (Configuration)
Because a user's withdrawal channel may have a daily limit, a daily withdrawal limit monitoring prompt and management functions have been established to reduce withdrawal exceptions.
Step 1: Go to Service Parameter > Withdrawal Rules Management> Daily Limits; the page currently displays the configured limit records.
Step 2: To add a new limit, click [Add], fill in the corresponding fields in the popup, and click [ok].
- To adjust an existing record's limit, click [Adjust] in the actions column, choose Increase or Decrease in the popup, and enter the amount.
- To modify other fields, click [Edit] in the actions column to open the popup and make changes.
- To delete a record, select the record and click [Delete] in the actions column.
- To view limit changes, navigate to Service Parameter > Withdrawal Rules Management > Daily Limit ChangesT
Handling Exceptional Withdrawals
In practice, withdrawals may be rejected by banks for various reasons; such records will be marked as exceptions and require manual handling.
Step 1: On the Pending page, select the target record and click [Handle]; in the popup choose one of the four available options and click [OK].
Step 2: Go to the Pending Review page, select the target record, and perform a recheck.
