graph TD A[SUBMITTED INVESTMENT] --> B1[INVESTOR USER BANK ACCOUNT CONNECTED TO DWOLLA] A --> B2[INVESTOR USER DWOLLA WALLET] A --> C1[SOURCE BANK ACCOUNT NOT CONNECTED TO DWOLLA] B1 -->|Failed| F1[Failed] B1 -->|Pending| P1[Pending] B1 -->|Success| O[OFFERING] B2 -->|Failed| F2[Failed] B2 -->|Pending| P2[Pending] B2 -->|Canceled| C[Canceled] B2 --> O C1 -->|ACH, WIRE| B2 C1 -->|Not Connected| NC[SOURCE BANK ACCOUNT NOT CONNECTED TO DWOLLA] O --> ODW[OFFERING DWOLLA WALLET] ODW -->|Processed| NCAP[NORTH CAPITAL] NCAP -->|Refund Process to Dwolla| RFDW[Refund Process To Dwolla] NCAP -->|Refund Process to Source Bank| RFBS[Refund Process To Source Bank] C --> B2 RFDW --> B2 RFBS --> C1