Overview
WhiteBIT Earn combines crypto lending and staking to offer passive income on popular assets.
Flexible plans allow daily withdrawals, while fixed-term plans lock funds for higher returns—up to 18.64% APY.
Earning Plans
- Flexible Plan: Withdraw anytime; interest credited daily or hourly.
- Fixed Plan: Lock your assets for set terms and earn the full agreed interest upon maturity.
How It Works
- Select Earn from the WhiteBIT menu and choose your plan type.
- Pick an asset and deposit amount within platform limits.
- Interest starts immediately—flexible interest is credited hourly, fixed at term end.
- Redeem funds anytime (flexible) or at maturity (fixed).
Assets & Rates
WhiteBIT supports both stablecoins and major cryptocurrencies:
- Stablecoins: USDT, USDC – up to 18.64% APY.
- Crypto: BTC – up to ~17.39% APY; ETH – ~1.45%, with flexible caps for BTC, ETH, USDT, USDC.
Pros & Cons
- ✅ High potential earnings – especially on stablecoins via fixed plans.
- ✅ Flexible access with instant withdrawals on flexible plans.
- ⚠️ Fixed plans lock funds—early withdrawal may forfeit interest.
- ⚠️ Crypto volatility – asset price fluctuations can erode earnings.
FAQ
- Can I withdraw anytime?
- Yes—for flexible plans; fixed plans require lock-in period.
- How is interest credited?
- Flexible plans pay hourly/daily; fixed plans pay at term end.
- Are there minimum deposits?
- Yes—each plan specifies min/max. Check the plan details.
Conclusion
WhiteBIT Earn offers a powerful way to grow crypto holdings via lending or staking. With up to 18.64% APY and flexible withdrawal options, it’s a compelling option for both casual and serious investors.