diff --git a/backend/src/modules/blockchain/event-handlers/withdraw.handler.spec.ts b/backend/src/modules/blockchain/event-handlers/withdraw.handler.spec.ts
new file mode 100644
index 000000000..12954dadd
--- /dev/null
+++ b/backend/src/modules/blockchain/event-handlers/withdraw.handler.spec.ts
@@ -0,0 +1,189 @@
+import { Test, TestingModule } from '@nestjs/testing';
+import { DataSource } from 'typeorm';
+import { xdr, nativeToScVal } from '@stellar/stellar-sdk';
+import { createHash } from 'crypto';
+import { WithdrawHandler } from './withdraw.handler';
+import {
+  UserSubscription,
+  SubscriptionStatus,
+} from '../../savings/entities/user-subscription.entity';
+import { User } from '../../user/entities/user.entity';
+import {
+  LedgerTransaction,
+  LedgerTransactionType,
+  LedgerTransactionStatus,
+} from '../entities/transaction.entity';
+
+describe('WithdrawHandler', () => {
+  let handler: WithdrawHandler;
+  let dataSource: any;
+  let entityManager: any;
+
+  const WITHDRAW_HASH = createHash('sha256').update('Withdraw').digest('hex');
+
+  const userRepo = {
+    findOne: jest.fn(),
+  };
+  const txRepo = {
+    findOne: jest.fn(),
+    save: jest.fn(),
+    create: jest.fn().mockImplementation((v) => v),
+  };
+  const subRepo = {
+    findOne: jest.fn(),
+    save: jest.fn(),
+    create: jest.fn().mockImplementation((v) => v),
+  };
+
+  beforeEach(async () => {
+    entityManager = {
+      getRepository: jest.fn().mockImplementation((entity) => {
+        if (entity === User) return userRepo;
+        if (entity === LedgerTransaction) return txRepo;
+        if (entity === UserSubscription) return subRepo;
+        return null;
+      }),
+      decrement: jest.fn().mockResolvedValue({}),
+    };
+
+    dataSource = {
+      transaction: jest.fn().mockImplementation((cb) => cb(entityManager)),
+    };
+
+    const module: TestingModule = await Test.createTestingModule({
+      providers: [
+        WithdrawHandler,
+        { provide: DataSource, useValue: dataSource },
+      ],
+    }).compile();
+
+    handler = module.get<WithdrawHandler>(WithdrawHandler);
+  });
+
+  it('should be defined', () => {
+    expect(handler).toBeDefined();
+  });
+
+  describe('handle', () => {
+    const mockUser = { id: 'user-id', publicKey: 'G...' };
+    const mockEvent = {
+      id: 'event-withdraw-1',
+      topic: [Buffer.from(WITHDRAW_HASH, 'hex').toString('base64')],
+      value: nativeToScVal({ publicKey: 'G...', amount: BigInt(200) }).toXDR(
+        'base64',
+      ),
+      ledger: 200,
+      txHash: 'withdraw-tx-hash',
+    };
+
+    beforeEach(() => {
+      jest.clearAllMocks();
+    });
+
+    it('should return false if topic does not match', async () => {
+      const wrongEvent = { ...mockEvent, topic: ['AAAA'] };
+      const result = await handler.handle(wrongEvent);
+      expect(result).toBe(false);
+      expect(dataSource.transaction).not.toHaveBeenCalled();
+    });
+
+    it('should process withdraw successfully and decrement subscription natively', async () => {
+      userRepo.findOne.mockResolvedValue(mockUser);
+      txRepo.findOne.mockResolvedValue(null);
+      subRepo.findOne.mockResolvedValue({
+        id: 'sub-id',
+        userId: 'user-id',
+        amount: 1000,
+        status: SubscriptionStatus.ACTIVE,
+      });
+
+      const result = await handler.handle(mockEvent);
+
+      expect(result).toBe(true);
+      expect(txRepo.save).toHaveBeenCalledWith(
+        expect.objectContaining({
+          type: LedgerTransactionType.WITHDRAW,
+          amount: '200',
+          status: LedgerTransactionStatus.COMPLETED,
+        }),
+      );
+      expect(entityManager.decrement).toHaveBeenCalledWith(
+        UserSubscription,
+        { id: 'sub-id' },
+        'amount',
+        200,
+      );
+    });
+
+    it('should match topic by symbol', async () => {
+      const symbolEvent = {
+        ...mockEvent,
+        topic: [nativeToScVal('Withdraw', { type: 'symbol' }).toXDR('base64')],
+      };
+      userRepo.findOne.mockResolvedValue(mockUser);
+      subRepo.findOne.mockResolvedValue({
+        id: 'sub-id',
+        userId: 'user-id',
+        amount: 500,
+        status: SubscriptionStatus.ACTIVE,
+      });
+
+      const result = await handler.handle(symbolEvent);
+      expect(result).toBe(true);
+      expect(txRepo.save).toHaveBeenCalled();
+      expect(entityManager.decrement).toHaveBeenCalled();
+    });
+
+    it('should handle payload with "to" key and "value" amount', async () => {
+      const alternativeEvent = {
+        ...mockEvent,
+        value: nativeToScVal({ to: 'G...', value: BigInt(150) }).toXDR(
+          'base64',
+        ),
+      };
+      userRepo.findOne.mockResolvedValue(mockUser);
+      subRepo.findOne.mockResolvedValue({
+        id: 'sub-id',
+        userId: 'user-id',
+        amount: 500,
+        status: SubscriptionStatus.ACTIVE,
+      });
+
+      const result = await handler.handle(alternativeEvent);
+      expect(result).toBe(true);
+      expect(txRepo.save).toHaveBeenCalledWith(
+        expect.objectContaining({
+          amount: '150',
+          publicKey: 'G...',
+        }),
+      );
+    });
+
+    it('should throw error if user not found', async () => {
+      userRepo.findOne.mockResolvedValue(null);
+      await expect(handler.handle(mockEvent)).rejects.toThrow(
+        'Cannot map withdraw payload publicKey to user',
+      );
+    });
+
+    it('should throw error if no active subscription found', async () => {
+      userRepo.findOne.mockResolvedValue(mockUser);
+      txRepo.findOne.mockResolvedValue(null);
+      subRepo.findOne.mockResolvedValue(null);
+
+      await expect(handler.handle(mockEvent)).rejects.toThrow(
+        'No active subscription found for user',
+      );
+    });
+
+    it('should skip if event already persisted', async () => {
+      userRepo.findOne.mockResolvedValue(mockUser);
+      txRepo.findOne.mockResolvedValue({ id: 'existing-tx' });
+
+      const result = await handler.handle(mockEvent);
+      expect(result).toBe(true); // Handler returns true even if skipping to indicate event was "handled" (consumed)
+      expect(txRepo.save).not.toHaveBeenCalled();
+      expect(entityManager.decrement).not.toHaveBeenCalled();
+    });
+  });
+});
diff --git a/backend/src/modules/blockchain/event-handlers/withdraw.handler.ts b/backend/src/modules/blockchain/event-handlers/withdraw.handler.ts
index 013fbbec2..ac7bab101 100644
--- a/backend/src/modules/blockchain/event-handlers/withdraw.handler.ts
+++ b/backend/src/modules/blockchain/event-handlers/withdraw.handler.ts
@@ -5,6 +5,7 @@ import { DataSource } from 'typeorm';
 import { scValToNative, xdr } from '@stellar/stellar-sdk';
 import {
   LedgerTransaction,
+  LedgerTransactionStatus,
   LedgerTransactionType,
 } from '../entities/transaction.entity';
 import {
@@ -77,6 +78,7 @@ export class WithdrawHandler {
           amount: payload.amount,
           publicKey: payload.publicKey,
           eventId,
+          status: LedgerTransactionStatus.COMPLETED,
           transactionHash:
             typeof event.txHash === 'string' ? event.txHash : null,
           ledgerSequence:
@@ -104,9 +106,13 @@ export class WithdrawHandler {
         );
       }
 
-      subscription.amount = Number(subscription.amount) - amountAsNumber;
-
-      await subRepo.save(subscription);
+      // Decrement the amount natively in the database to ensure atomicity and precision
+      await manager.decrement(
+        UserSubscription,
+        { id: subscription.id },
+        'amount',
+        amountAsNumber,
+      );
     });
 
     return true;
@@ -119,7 +125,25 @@ export class WithdrawHandler {
 
     const first = topic[0];
     const normalized = this.toHex(first);
-    return normalized === WithdrawHandler.WITHDRAW_HASH_HEX;
+
+    // Some contracts emit the symbol 'Withdraw' directly, others emit its SHA256 hash
+    if (normalized === WithdrawHandler.WITHDRAW_HASH_HEX) {
+      return true;
+    }
+
+    // Check if it's the symbol 'Withdraw' (XDR encoded)
+    if (typeof first === 'string') {
+      try {
+        const scVal = xdr.ScVal.fromXDR(first, 'base64');
+        if (scValToNative(scVal) === 'Withdraw') {
+          return true;
+        }
+      } catch {
+        // Not XDR, ignore
+      }
+    }
+
+    return false;
   }
 
   private extractPayload(value: unknown): WithdrawPayload {
@@ -132,8 +156,11 @@ export class WithdrawHandler {
         'userPublicKey',
         'user',
         'address',
+        'to',
+        'from',
       ]) ?? '';
-    const amountRaw = asRecord['amount'];
+    const amountRaw =
+      asRecord['amount'] ?? asRecord['value'] ?? asRecord['amt'];
 
     const amount =
       typeof amountRaw === 'bigint'