WhiteBIT: payments for businesses

WhiteBIT offers a convenient and reliable SEPA-based On/Off-Ramp mechanism that helps businesses work with cryptocurrency on a professional level. Thanks to SEPA transfers and partnerships with financial providers ZEN and Clear Junction (CJ), companies get access to a secure On/Off-Ramp with strict security standards, low fees, and increased limits. It is one of the best solutions for companies looking to integrate cryptocurrency into their financial operations.

What are On-Ramp and Off-Ramp in cryptocurrency?

  • On-Ramp is the process of converting traditional fiat currency (such as EUR) into cryptocurrency. This is especially useful for businesses that want to top up their crypto wallets or accept crypto payments.
     
  • Off-Ramp is the opposite process — converting cryptocurrency back into fiat, allowing businesses to receive funds to a bank account and carry out regular financial operations.
     

WhiteBIT provides comprehensive business solutions that allow companies to quickly, securely, and conveniently perform both On-Ramp and Off-Ramp operations through SEPA transfers.

Key features of WhiteBIT On/Off-Ramp solutions

  1. SEPA integration

SEPA enables fast and secure euro transfers across the EU. WhiteBIT supports:

  • SEPA — standard euro bank transfers within the EU zone;
  • SEPA Instant — instant transfers are usually processed in under 10 seconds (if supported by your bank).

This makes deposits and withdrawals for business clients as fast and convenient as possible.

 

  1. Transparent fees

WhiteBIT offers clear and fixed fees. For standard SEPA transfers, the fee is 5 EUR, or 10 EUR when using ZEN. For clients with a CJ account, special rates apply: 5 EUR fixed for both deposits and withdrawals. If no CJ account is used, a fee of 0.1% (minimum 5 EUR) applies.

Limits and conditions may vary depending on your KYB level and specific circumstances. If you need higher deposit or withdrawal limits, contact our client support team to submit a request.

 

  1. Automated quote requests

A dedicated merchant portal allows businesses to:

  • automatically request quotes for EUR ↔ crypto exchanges;
  • see real-time rates;
  • quickly confirm transactions.

This streamlines workflows and reduces risks when handling large transactions.

 

  1. Mass crypto payouts

WhiteBIT enables companies to:

  • send mass crypto payouts to multiple recipients;
  • automate payments for salaries, partner programs, rewards, and more.

This is especially valuable for gaming companies, freelance platforms, and services with international teams.

 

  1. KYB, SOF and regulatory compliance

To ensure security and regulatory compliance, WhiteBIT requires:

  • KYB (Know Your Business) verification;
  • SoF (Source of Funds) documentation.

These are standard requirements for institutional clients and high-volume transactions.

 

  1. Reliable EU banking partners

SEPA transfers are processed through licensed European Electronic Money Institutions (EMIs), which ensures:

  • compliance with EU regulations;
  • secure handling of fiat funds;
  • stability and reliability of all transactions.

     
  1. Fast payment processing

SEPA transfers are typically completed within minutes or a few hours. In some cases, depending on the bank, processing may take up to several business days.

 

  1. Transparent exchange rates

Before completing a transaction, WhiteBIT displays the current daily exchange rate.

This is helpful for:

  • budgeting and cost planning;
  • managing large transactions;
  • meeting internal company compliance requirements.

Who should use WhiteBIT On/Off-Ramp solutions?

These tools are ideal for:

  • fintech companies integrating crypto into their services;
  • crypto businesses needing seamless crypto-to-fiat conversion;
  • institutional investors and funds handling large volumes;
  • companies with international teams making crypto salary payments;
  • market makers and trading firms requiring fast, high-volume transfers.

How to start using WhiteBIT On/Off-Ramp?

  1. Submit an application on the WhiteBIT for Business website (Payments for Businesses page).



 

  1. Pass KYB verification by providing company information and supporting documents.

     
  2. Provide SOF (Source of Funds) details, a standard compliance requirement for banking and large transfers.
     
  3. Add your SEPA bank account.
     

After approval, you will be able to:

  • deposit funds in EUR;
  • convert EUR into crypto assets;
  • convert cryptocurrency back into EUR;
  • make mass crypto payouts.

Advantages and risks of On/Off-Ramp

Advantages:

  • regulated and secure infrastructure;
  • fast SEPA transfers;
  • transparent fees;
  • scalability for large volumes;
  • automation tools;
  • support for mass payouts.

     

Potential risks:

  • processing times depend on the bank;
  • some companies may face longer KYB procedures;
  • market volatility during large exchanges;
  • possible changes in regulations.
     

On-Ramp and Off-Ramp services are essential components of the crypto ecosystem. They make digital assets accessible to a broad audience and allow businesses and individuals to use crypto freely in the real economy. Without these solutions, buying digital assets with traditional money would be inconvenient, making the crypto market less attractive for new users.

Support

In case of any questions related to the functionality of our exchange, you can:

  • Leave a request on our website;
  • Write to the support email: support@whitebit.com;
  • Write to the chat using the button in the lower right corner of the screen (in the upper right corner of the WhiteBIT app, click ).

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