Crypto Lending: a guide to managing plans on the site

Opening a crypto lending plan is a safe and convenient way to make guaranteed profits on the exchange. You can read more about Crypto Lending in the article.

How do I open the plan on the website?

To start earning for lending cryptocurrency on our exchange:

  1. Go to the Crypto Lending page in the Products section on the top bar.


  1. Choose one of the plans for the desired asset. To do this, you need to find the asset in the list or via the search field (enter the token/coin name), click on the period that suits you and click the yellow "Choose a plan" button.


In this list, you can see the interest you will receive after the end of the selected period. You can also see the minimum and maximum amount of funds for opening a crypto lending plan for each asset.


Please note that at the top of the page you can immediately choose one of the most popular plans on our exchange.



  1. Make sure that the required amount of funds to open a plan is on your Main Balance or make a deposit in the selected cryptocurrency to the Main Balance.
  2. Indicate the amount of currency you want to deposit into the plan and click the "Select a plan" button. In the same window, you can change the period and see the estimated income.


Done! Please note that once the plan is opened, you will not be able to deposit additional funds.


The plan will be closed automatically. The interest is credited to the Main Balance after the expiration of the term specified in the terms and conditions.

How do I close a plan early in the app?

Any plan can be closed early, but in this case, no income will be accrued. To do this, you need:

  1. On the Crypto Lending page, find the "Active plans" section.


  1. Select the plan you want to close and click the "Close plan" button.


After that, your funds will be automatically returned to the Main Balance without any accrued interest.


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 engage traders. Cryptocurrency funds that users store on WhiteBIT in Crypto Lending provide margin and futures trading on our exchange. And users trading with leverage pay a fee to the exchange. In return, depositors earn a profit in the form of interest, this is the commission that traders pay for using leveraged assets.


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


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 invest 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:;
  • Write to the chat using the button in the lower right corner of the screen.

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