U EARN product family

U EARN – is a family of products from the cryptocurrency exchange WhiteBIT, consisting of such investment instruments as Crypto Lending and Staking.  Currently, only Crypto Lending is available, which allows you to earn profit for lending your funds in cryptocurrency. In the future, we plan to launch Staking as well. With U EARN, you will be able to earn passive income for holding assets. 

In our tutorial video, you can learn more about how this simple yet effective method can become your long-term earning opportunity on our exchange!

Crypto Lending

WhiteBIT Crypto Lending is a loan of certain cryptocurrency to the exchange. It allows you to receive a guaranteed profit by lending your cryptocurrency to the exchange using one of the available plans. The income is accrued in the cryptocurrency in which the plan was opened.


You can choose any of the more than 120 available plans, and lend certain assets to the exchange at interest rates from 0.23% to 18.64% of income. It is possible to open several plans for the same asset, but for different periods. The plans differ from each other in interest rate, terms and minimum/maximum loan amount. It is safe, convenient and profitable!


Staking is holding of funds in a staking pool in exchange for a reward (fixed or in the form of interest). Your cryptocurrency becomes part of the Proof-of-Stake process, which means it verifies and protects all transactions without the involvement of a bank or payment processor, and you are rewarded for it with interest.


Please note: there is no automatic staking function on our exchange. We do not receive redistribution tokens according to the project contract. Therefore, WhiteBIT users have no opportunity to earn profit for storing assets on the balance only.


This feature is currently under development. We recommend our users to follow our social media (e.g. news channel in Telegram) and WhiteBIT blog. News about staking will definitely be published!


What is the difference between Crypto Lending and Staking?

Crypto Lending is an alternative to a bank deposit, but in cryptocurrency and with more features. You store your cryptocurrency on WhiteBIT, and the exchange uses your assets in margin trading.

At the same time, by investing your cryptocurrency in Staking, you participate in various network functions in exchange for a reward (fixed or in the form of interest). Your cryptocurrency becomes part of the Proof-of-Stake process, meaning it provides verification and protection for all transactions without the involvement of a bank or payment processor and you get rewarded for it.

Please note that only the Crypto Lending feature is currently available on the exchange. All available plans can be found here.

The Staking feature is planned to be added in the next updates.


How are the payments being ensured and where is the guarantee that I will receive anything?

By opening a plan, you provide liquidity to the exchange by partially contributing to its funding. This liquidity is used to attract traders. The cryptocurrency funds that users store on WhiteBIT in Crypto Lending are made available to users who use leverage in margin and futures trading by paying a commission. In return, depositors profit as a percentage of the fee that traders pay for leverage.

Crypto Lending of assets that do not participate in margin trading are secured by the projects of these assets.

We also emphasize that security is the foundation of our service. 96% of assets are stored in cold wallets, and WAF ("Web Application Firewall") blocks hacker attacks, ensuring the safe storage of your funds. We have developed and are constantly improving an advanced monitoring system to prevent incidents, for which we have received a high cybersecurity rating from cer.live.


What are the periods of plans?

Currently, there are periods of 10, 20, 30, 90, 180 and 360 days. Interest rates for each period are different, i.e. two 180-day periods are not equal to one 360-day period. Thus, it will be more profitable to use the period for a longer term.


How is income accrued?

Income is credited at the time of plan closure. If you terminate the plan early, no income will be credited.


Can I renew my Crypto Lending plan?

Unfortunately, you can't automatically renew your plan, but you can open a new one.


Can I open more than one plan for the same asset at the same time?

You can open more than one plan for the same asset, but only for different periods (if there is an option to select a period for the asset).


Can I add funds to an already opened plan?

Sadly, no. But you can easily open another one for the same asset, just for a different period (if there is an option to choose a period for the asset).


Can I make an investment in Staking now?

Staking cryptocurrencies are currently in development, but you can sign up for updates and be notified when Staking goes live on WhiteBIT. That way you can be one of the first to invest in Staking.


In case of any questions related to Crypto Lending plans, you can:

  • Leave a request on our website;
  • Write to the support e-mail: support@whitebit.com;
  • Write to the chat using the button in the lower right corner of the screen.

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