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Retention2026-06-15

The Second Deposit Problem: Why Activation Is the Real Growth Lever

FTD is a vanity metric without activation. Here is the lifecycle CRM blueprint we run for funded users.

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Alphorithm Team
Alphorithm Editorial
The Second Deposit Problem: Why Activation Is the Real Growth Lever

FTD is celebrated. But the broker economics that actually matter are second deposit rate, activation, and 30/60/90-day retention.

We design lifecycle journeys segmented by funnel stage and behavior:

  • Funded but not traded → onboarding nudges + market-of-the-day
  • Traded but low volume → educational content + risk tools
  • Active → loyalty + cross-instrument prompts
  • Dormant → reactivation offers within compliance

The goal is to compress time-to-second-deposit and lift 90-day deposit volume per user.

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