diff --git a/packages/common/src/hooks/useCoinflowAdapter.ts b/packages/common/src/hooks/useCoinflowAdapter.ts
index 48c7bf32bf3..cb7352e1a33 100644
--- a/packages/common/src/hooks/useCoinflowAdapter.ts
+++ b/packages/common/src/hooks/useCoinflowAdapter.ts
@@ -2,9 +2,15 @@ import { useEffect, useState } from 'react'
 
 import { TransactionHandler } from '@audius/sdk/dist/core'
 import { Connection, PublicKey, Transaction } from '@solana/web3.js'
+import { useSelector } from 'react-redux'
 
-import { getRootSolanaAccount } from 'services/audius-backend'
+import {
+  getRootSolanaAccount,
+  decorateCoinflowWithdrawalTransaction,
+  relayTransaction
+} from 'services/audius-backend'
 import { useAppContext } from 'src/context'
+import { getFeePayer } from 'store/solana/selectors'
 
 type CoinflowAdapter = {
   wallet: {
@@ -14,6 +20,68 @@ type CoinflowAdapter = {
   connection: Connection
 }
 
+/** An adapter for signing and sending Coinflow withdrawal transactions. It will decorate
+ * the incoming transaction to route it through a user bank. The transcation will then be
+ * signed with the current user's Solana root wallet and sent/confirmed via Relay.
+ */
+export const useCoinflowWithdrawalAdapter = () => {
+  const { audiusBackend } = useAppContext()
+  const [adapter, setAdapter] = useState<CoinflowAdapter | null>(null)
+  const feePayerOverride = useSelector(getFeePayer)
+
+  useEffect(() => {
+    const initWallet = async () => {
+      const libs = await audiusBackend.getAudiusLibsTyped()
+      if (!libs.solanaWeb3Manager) return
+      const { connection } = libs.solanaWeb3Manager
+      const wallet = await getRootSolanaAccount(audiusBackend)
+
+      setAdapter({
+        connection,
+        wallet: {
+          publicKey: wallet.publicKey,
+          sendTransaction: async (transaction: Transaction) => {
+            if (!feePayerOverride) throw new Error('Missing fee payer override')
+            const feePayer = new PublicKey(feePayerOverride)
+            const finalTransaction =
+              await decorateCoinflowWithdrawalTransaction(audiusBackend, {
+                transaction,
+                feePayer
+              })
+            finalTransaction.partialSign(wallet)
+            const { res, error, errorCode } = await relayTransaction(
+              audiusBackend,
+              {
+                transaction: finalTransaction,
+                skipPreflight: true
+              }
+            )
+            if (!res) {
+              console.error('Relaying Coinflow transaction failed.', {
+                error,
+                errorCode,
+                finalTransaction
+              })
+              throw new Error(
+                `Relaying Coinflow transaction failed: ${
+                  error ?? 'Unknown error'
+                }`
+              )
+            }
+            return res
+          }
+        }
+      })
+    }
+    initWallet()
+  }, [audiusBackend])
+
+  return adapter
+}
+
+/** An adapter for signing and sending unmodified Coinflow transactions. Will partialSign with the
+ * current user's Solana root wallet and send/confirm locally (no relay).
+ */
 export const useCoinflowAdapter = () => {
   const { audiusBackend } = useAppContext()
   const [adapter, setAdapter] = useState<CoinflowAdapter | null>(null)
diff --git a/packages/common/src/services/audius-backend/solana.ts b/packages/common/src/services/audius-backend/solana.ts
index aefe5659a6c..659d08e1b22 100644
--- a/packages/common/src/services/audius-backend/solana.ts
+++ b/packages/common/src/services/audius-backend/solana.ts
@@ -1,5 +1,12 @@
 import { AudiusLibs } from '@audius/sdk'
-import { Account, createTransferCheckedInstruction } from '@solana/spl-token'
+import { u8 } from '@solana/buffer-layout'
+import {
+  Account,
+  TOKEN_PROGRAM_ID,
+  TokenInstruction,
+  createTransferCheckedInstruction,
+  decodeTransferCheckedInstruction
+} from '@solana/spl-token'
 import {
   AddressLookupTableAccount,
   Keypair,
@@ -20,7 +27,9 @@ import { AudiusBackend } from './AudiusBackend'
 const DEFAULT_RETRY_DELAY = 1000
 const DEFAULT_MAX_RETRY_COUNT = 120
 const PLACEHOLDER_SIGNATURE = new Array(64).fill(0)
-const RECOVERY_MEMO_STRING = 'recovery'
+export const RECOVERY_MEMO_STRING = 'Recover Withdrawal'
+export const WITHDRAWAL_MEMO_STRING = 'Withdrawal'
+export const PREPARE_WITHDRAWAL_MEMO_STRING = 'Prepare Withdrawal'
 
 /**
  * Memo program V1
@@ -121,6 +130,16 @@ export const deriveUserBankAddress = async (
   return pubkey.toString() as SolanaWalletAddress
 }
 
+export const isTransferCheckedInstruction = (
+  instruction: TransactionInstruction
+) => {
+  return (
+    instruction.programId.equals(TOKEN_PROGRAM_ID) &&
+    instruction.data.length &&
+    u8().decode(instruction.data) === TokenInstruction.TransferChecked
+  )
+}
+
 type CreateUserBankIfNeededConfig = UserBankConfig & {
   recordAnalytics: (event: AnalyticsEvent, callback?: () => void) => void
   feePayerOverride: string
@@ -465,6 +484,102 @@ export const createRootWalletRecoveryTransaction = async (
   return tx
 }
 
+/** Converts a Coinflow transaction which transfers directly from root wallet USDC
+ * account into a transaction that routes through the current user's USDC user bank, to
+ * better facilitate indexing. The original transaction *must* use a TransferChecked instruction
+ * and must have the current user's Solana root wallet USDC token account as the source.
+ * @returns a new transaction that routes the USDC transfer through the user bank. This must be signed
+ * by the current user's Solana root wallet and the provided fee payer (likely via relay).
+ */
+export const decorateCoinflowWithdrawalTransaction = async (
+  audiusBackendInstance: AudiusBackend,
+  { transaction, feePayer }: { transaction: Transaction; feePayer: PublicKey }
+) => {
+  const libs = await audiusBackendInstance.getAudiusLibsTyped()
+  const solanaWeb3Manager = libs.solanaWeb3Manager!
+
+  const userBank = await deriveUserBankPubkey(audiusBackendInstance, {
+    mint: 'usdc'
+  })
+  const wallet = await getRootSolanaAccount(audiusBackendInstance)
+  const walletUSDCTokenAccount =
+    await solanaWeb3Manager.findAssociatedTokenAddress(
+      wallet.publicKey.toBase58(),
+      'usdc'
+    )
+
+  // Find original transfer instruction and index
+  const transferInstructionIndex = transaction.instructions.findIndex(
+    isTransferCheckedInstruction
+  )
+  const transferInstruction = transaction.instructions[transferInstructionIndex]
+  if (!transferInstruction) {
+    throw new Error('No transfer instruction found')
+  }
+
+  const { keys, data } = decodeTransferCheckedInstruction(
+    transferInstruction,
+    TOKEN_PROGRAM_ID
+  )
+  if (!walletUSDCTokenAccount.equals(keys.source.pubkey)) {
+    throw new Error(
+      `Original sender ${keys.source.pubkey} does not match wallet ${walletUSDCTokenAccount}`
+    )
+  }
+
+  const transferToUserBankInstruction = createTransferCheckedInstruction(
+    walletUSDCTokenAccount,
+    keys.mint.pubkey,
+    userBank,
+    wallet.publicKey,
+    data.amount,
+    data.decimals
+  )
+
+  const transferFromUserBankInstructions =
+    await solanaWeb3Manager.createTransferInstructionsFromCurrentUser({
+      amount: new BN(data.amount.toString()),
+      mint: 'usdc',
+      senderSolanaAddress: userBank,
+      recipientSolanaAddress: keys.destination.pubkey.toBase58(),
+      instructionIndex: transferInstructionIndex + 1,
+      feePayerKey: feePayer
+    })
+
+  const withdrawalMemoInstruction = new TransactionInstruction({
+    keys: [
+      {
+        pubkey: wallet.publicKey,
+        isSigner: true,
+        isWritable: true
+      }
+    ],
+    programId: MEMO_PROGRAM_ID,
+    data: Buffer.from(WITHDRAWAL_MEMO_STRING)
+  })
+
+  // Remove original transfer instruction and replace with our set of transfer steps
+  const instructions = [...transaction.instructions]
+  instructions.splice(
+    transferInstructionIndex,
+    1,
+    transferToUserBankInstruction,
+    ...transferFromUserBankInstructions,
+    withdrawalMemoInstruction
+  )
+
+  const { blockhash, lastValidBlockHeight } =
+    await solanaWeb3Manager.connection.getLatestBlockhash()
+  const modifiedTransaction = new Transaction({
+    blockhash,
+    feePayer,
+    lastValidBlockHeight
+  })
+  modifiedTransaction.add(...instructions)
+
+  return modifiedTransaction
+}
+
 export const createTransferToUserBankTransaction = async (
   audiusBackendInstance: AudiusBackend,
   {
diff --git a/packages/common/src/store/buy-usdc/sagas.ts b/packages/common/src/store/buy-usdc/sagas.ts
index 8218bae91ce..768eacc6ed1 100644
--- a/packages/common/src/store/buy-usdc/sagas.ts
+++ b/packages/common/src/store/buy-usdc/sagas.ts
@@ -9,6 +9,7 @@ import { Name } from 'models/Analytics'
 import { ErrorLevel } from 'models/ErrorReporting'
 import { PurchaseVendor } from 'models/PurchaseContent'
 import { Status } from 'models/Status'
+import { StringUSDC } from 'models/Wallet'
 import {
   createPaymentRouterRouteTransaction,
   createRootWalletRecoveryTransaction,
@@ -31,6 +32,7 @@ import {
 import { coinflowOnrampModalActions } from 'store/ui/modals/coinflow-onramp-modal'
 import { setVisibility } from 'store/ui/modals/parentSlice'
 import { initializeStripeModal } from 'store/ui/stripe-modal/slice'
+import { setUSDCBalance } from 'store/wallet/slice'
 import { waitForValue } from 'utils'
 
 import {
@@ -46,8 +48,6 @@ import {
 } from './slice'
 import { BuyUSDCError, BuyUSDCErrorCode } from './types'
 import { getBuyUSDCRemoteConfig, getUSDCUserBank } from './utils'
-import { setUSDCBalance } from 'store/wallet/slice'
-import { StringUSDC } from 'models/Wallet'
 
 type PurchaseStepParams = {
   desiredAmount: number
diff --git a/packages/common/src/store/reducers.ts b/packages/common/src/store/reducers.ts
index 27133eed8df..8d8d79711a7 100644
--- a/packages/common/src/store/reducers.ts
+++ b/packages/common/src/store/reducers.ts
@@ -61,10 +61,10 @@ import smartCollection from './pages/smart-collection/slice'
 import tokenDashboardSlice from './pages/token-dashboard/slice'
 import track from './pages/track/reducer'
 import TrackPageState from './pages/track/types'
-import trendingPlaylists from './pages/trending-playlists/slice'
-import trendingUnderground from './pages/trending-underground/slice'
 import trending from './pages/trending/reducer'
 import { TrendingPageState } from './pages/trending/types'
+import trendingPlaylists from './pages/trending-playlists/slice'
+import trendingUnderground from './pages/trending-underground/slice'
 import { PlaybackPositionState } from './playback-position'
 import playbackPosition from './playback-position/slice'
 import player, { PlayerState } from './player/slice'
diff --git a/packages/common/src/store/ui/modals/reducers.ts b/packages/common/src/store/ui/modals/reducers.ts
index 6c1734df22c..30581930156 100644
--- a/packages/common/src/store/ui/modals/reducers.ts
+++ b/packages/common/src/store/ui/modals/reducers.ts
@@ -2,6 +2,7 @@ import { Action, combineReducers, Reducer } from '@reduxjs/toolkit'
 
 import { addFundsModalReducer } from './add-funds-modal'
 import { coinflowOnrampModalReducer } from './coinflow-onramp-modal'
+import { coinflowWithdrawModalReducer } from './coinflow-withdraw-modal'
 import { createChatModalReducer } from './create-chat-modal'
 import { BaseModalState } from './createModal'
 import { editPlaylistModalReducer } from './edit-playlist-modal'
@@ -15,7 +16,6 @@ import { usdcManualTransferModalReducer } from './usdc-manual-transfer-modal'
 import { usdcPurchaseDetailsModalReducer } from './usdc-purchase-details-modal'
 import { usdcTransactionDetailsModalReducer } from './usdc-transaction-details-modal'
 import { withdrawUSDCModalReducer } from './withdraw-usdc-modal'
-import { coinflowWithdrawModalReducer } from './coinflow-withdraw-modal'
 
 /**
  * Create a bunch of reducers that do nothing, so that the state is maintained and not lost through the child reducers
diff --git a/packages/common/src/store/ui/modals/types.ts b/packages/common/src/store/ui/modals/types.ts
index efc643224b9..96c55e4a09d 100644
--- a/packages/common/src/store/ui/modals/types.ts
+++ b/packages/common/src/store/ui/modals/types.ts
@@ -2,6 +2,7 @@ import { ModalSource } from 'models/Analytics'
 
 import { AddFundsModalState } from './add-funds-modal'
 import { CoinflowOnrampModalState } from './coinflow-onramp-modal'
+import { CoinflowWithdrawModalState } from './coinflow-withdraw-modal'
 import { CreateChatModalState } from './create-chat-modal'
 import { BaseModalState } from './createModal'
 import { EditPlaylistModalState } from './edit-playlist-modal'
@@ -13,7 +14,6 @@ import { USDCManualTransferModalState } from './usdc-manual-transfer-modal'
 import { USDCPurchaseDetailsModalState } from './usdc-purchase-details-modal'
 import { USDCTransactionDetailsModalState } from './usdc-transaction-details-modal'
 import { WithdrawUSDCModalState } from './withdraw-usdc-modal'
-import { CoinflowWithdrawModalState } from './coinflow-withdraw-modal'
 
 export type Modals =
   | 'TiersExplainer'
diff --git a/packages/web/src/components/withdraw-usdc-modal/components/CoinflowWithdrawModal.module.css b/packages/web/src/components/withdraw-usdc-modal/components/CoinflowWithdrawModal.module.css
index 406b1c20bd8..51c6ab72de0 100644
--- a/packages/web/src/components/withdraw-usdc-modal/components/CoinflowWithdrawModal.module.css
+++ b/packages/web/src/components/withdraw-usdc-modal/components/CoinflowWithdrawModal.module.css
@@ -3,7 +3,7 @@
 }
 
 .modalBody {
-  height: 100%;
+  height: 95%;
   max-width: 720px;
   max-height: 800px;
 }
diff --git a/packages/web/src/components/withdraw-usdc-modal/components/CoinflowWithdrawModal.tsx b/packages/web/src/components/withdraw-usdc-modal/components/CoinflowWithdrawModal.tsx
index 5549bc69ae3..b2546280d4f 100644
--- a/packages/web/src/components/withdraw-usdc-modal/components/CoinflowWithdrawModal.tsx
+++ b/packages/web/src/components/withdraw-usdc-modal/components/CoinflowWithdrawModal.tsx
@@ -1,9 +1,9 @@
 import { useCallback } from 'react'
 
 import {
-  useCoinflowAdapter,
   useCoinflowWithdrawModal,
-  withdrawUSDCActions
+  withdrawUSDCActions,
+  useCoinflowWithdrawalAdapter
 } from '@audius/common'
 import { CoinflowWithdraw } from '@coinflowlabs/react'
 import { useDispatch } from 'react-redux'
@@ -40,7 +40,7 @@ export const CoinflowWithdrawModal = () => {
     onClosed
   } = useCoinflowWithdrawModal()
 
-  const adapter = useCoinflowAdapter()
+  const adapter = useCoinflowWithdrawalAdapter()
   const dispatch = useDispatch()
 
   const handleClose = useCallback(() => {
@@ -54,7 +54,7 @@ export const CoinflowWithdrawModal = () => {
       dispatch(coinflowWithdrawalSucceeded({ transaction }))
       onClose()
     },
-    [dispatch]
+    [dispatch, onClose]
   )
 
   const showContent = isOpen && adapter
diff --git a/packages/web/src/store/application/ui/withdraw-usdc/sagas.ts b/packages/web/src/store/application/ui/withdraw-usdc/sagas.ts
index 026f213e8f1..6e6a4112193 100644
--- a/packages/web/src/store/application/ui/withdraw-usdc/sagas.ts
+++ b/packages/web/src/store/application/ui/withdraw-usdc/sagas.ts
@@ -1,10 +1,11 @@
 import {
   withdrawUSDCActions,
+  MEMO_PROGRAM_ID,
+  PREPARE_WITHDRAWAL_MEMO_STRING,
   solanaSelectors,
   ErrorLevel,
   SolanaWalletAddress,
   getUSDCUserBank,
-  getContext,
   TOKEN_LISTING_MAP,
   getUserbankAccountInfo,
   BNUSDC,
@@ -16,6 +17,7 @@ import {
   withdrawUSDCModalActions,
   WithdrawUSDCModalPages,
   WithdrawMethod,
+  getContext,
   buyUSDCActions,
   Status
 } from '@audius/common'
@@ -27,6 +29,7 @@ import {
   LAMPORTS_PER_SOL,
   PublicKey,
   Transaction,
+  TransactionInstruction,
   sendAndConfirmTransaction
 } from '@solana/web3.js'
 import BN from 'bn.js'
@@ -312,6 +315,18 @@ function* doWithdrawUSDCCoinflow({
       }
     )
 
+    const memoInstruction = new TransactionInstruction({
+      keys: [
+        {
+          pubkey: rootSolanaAccount.publicKey,
+          isSigner: true,
+          isWritable: true
+        }
+      ],
+      programId: MEMO_PROGRAM_ID,
+      data: Buffer.from(PREPARE_WITHDRAWAL_MEMO_STRING)
+    })
+
     // Relay the withdrawal transfer so that the user doesn't need SOL if the account already exists
     const { blockhash, lastValidBlockHeight } = yield* call([
       connection,
@@ -322,7 +337,10 @@ function* doWithdrawUSDCCoinflow({
       lastValidBlockHeight,
       feePayer: feePayerPubkey
     })
-    transferTransaction.add(...transferInstructions)
+
+    transferTransaction.add(...transferInstructions, memoInstruction)
+    transferTransaction.partialSign(rootSolanaAccount)
+
     const {
       res: transactionSignature,
       error,