Fixed Plans
Fixed Plans offer a stable, predetermined interest rate for a set period. Funds are locked until the end of the term, and interest is credited in full at maturity.
Flexible Plans
Flexible Plans allow users to withdraw funds at any time while continuing to earn interest on any remaining balance. Interest rates may change over time, and earnings are calculated hourly and credited daily.
Disclaimer: Rates are variable, subject to change and returns are not guaranteed. Past performance is not indicative of future results.
Security of assets
The exchange has successfully passed a number of third-party cybersecurity tests. We store 96% of digital assets in cold wallets and use WAF to detect and block hacker attacks, so your funds on our exchange are safe.
Considerations for opening and closing positions
Investing in crypto lending involves risks, including the potential loss of your principal. Opening and closing a position takes approximately 1 minute. Returns are not guaranteed.
Transparent investments
All investments move from the Main balance and return to it after the end of the plan term. All funds are used to ensure the exchange's cash flow. WhiteBIT guarantees the transparency of Crypto lending.
Lending rate
Whichever investment option you choose, the lending rate remains fixed until the end of the selected lending period.
Cryptoassets are high risk
- Transfer of assets. By lending your cryptoassets, you transfer control of them to the platform or a third-party borrower. You will not have access to or use of these assets while they are on loan.
- Variable returns. Returns are not guaranteed. Rates may change at any time and may be lower than advertised. You may earn less than expected.
- Volatility. Cryptoassets are highly volatile. The value of your assets may rise or fall significantly during the lending period, and may be worth less when returned than when lent.
- Counterparty / borrower default. Borrowers or the platform itself may fail to repay or return your assets. If a counterparty defaults or becomes insolvent, you may not recover the cryptoassets you lent.
Any questions?
In Flexible Plans, interest is calculated hourly and accrues only on the remaining balance after any withdrawals, and is credited daily to the user’s Main Balance. Interest rates may change over time. In Fixed Plans, interest accrues over the selected term and is paid in full at the end of the period.
In Flexible Plans, interest is calculated hourly and accumulated throughout the day. The total earnings are credited daily to the user’s Main Balance. In Fixed Plans, interest accrues over the entire term and is paid in full at the end of the selected period.
Yes, but it depends on the plan type:
Flexible Plans: You can withdraw part or all of your funds at any time without losing previously earned interest. Future earnings will be adjusted based on the remaining balance.
Fixed Plans: Early withdrawals are possible but result in the loss of all accrued interest, and only the initial deposit is returned.
Auto-Savings is an optional feature available for Flexible Plans that automatically reinvests daily earnings back into the deposit. This enables compound interest growth, increasing long-term returns. Daily earnings are credited from 00:00 to 00:10 UTC. The exact amount is reinvested at ~00:15 UTC. The new deposit balance starts accruing interest from 01:00 UTC. Users must enable Auto-Savings before creating a plan and accept the disclaimer before activation.
Fixed Plans: The interest rate remains the same throughout the entire term.
Flexible Plans: The interest rate may change based on market conditions. If the rate is adjusted, new earnings will be calculated according to the updated rate while preserving previously accrued interest.