> ## Documentation Index
> Fetch the complete documentation index at: https://docs.whitebit.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Get Flex Plans

> Get a list of available Flex investment plans with available terms and interest rates via the V4 API.

<Note>
  These endpoints are available only for B2B partner services. Fill the form at [https://whitebit.com/institutional-services/b2b](https://whitebit.com/institutional-services/b2b) to request access.
</Note>

<Note>
  The `id` field in each returned plan object is the `planId` value required by the [flex investment creation endpoint](/api-reference/account-wallet/create-flex-investment) (`POST /api/v4/main-account/smart-flex/investments/invest`). Only plans returned by this endpoint can be used to create new investments — plans with inactive or paused status are excluded automatically.
</Note>


## OpenAPI

````yaml /openapi/private/main_api_v4.yaml POST /api/v4/main-account/smart-flex/plans
openapi: 3.0.3
info:
  title: WhiteBIT Private HTTP API V4
  description: |
    WhiteBIT Private HTTP API V4 for Main balance changes.

    Base URL: https://whitebit.com

    All endpoints return time in Unix-time format.
    All endpoints return either a JSON object or array.
    For receiving responses from API calls please use http method POST.
  version: 4.0.0
  contact:
    name: WhiteBIT Support
    email: support@whitebit.com
    url: https://whitebit.com
servers:
  - url: https://whitebit.com
    description: WhiteBIT Global Server
  - url: https://whitebit.eu
    description: WhiteBIT EU Server
security:
  - ApiKeyAuth: []
    PayloadAuth: []
    SignatureAuth: []
tags:
  - name: Main Account
    description: Main account balance and operations
  - name: Deposit
    description: Cryptocurrency and fiat deposit operations
  - name: Withdraw
    description: Cryptocurrency and fiat withdrawal operations
  - name: Transfer
    description: Balance transfer operations
  - name: Codes
    description: WhiteBIT codes operations
  - name: Crypto Lending - Fixed
    description: Fixed crypto lending plans
  - name: Crypto Lending - Flex
    description: Flexible crypto lending plans
  - name: Fees
    description: Fee information
  - name: Sub-Account
    description: Sub-account management
  - name: Sub-Account API Keys
    description: Sub-account API key management
  - name: Mining Pool
    description: Mining pool operations
  - name: Credit Line
    description: Credit line information
  - name: JWT
    description: JWT token management
paths:
  /api/v4/main-account/smart-flex/plans:
    post:
      tags:
        - Crypto Lending - Flex
      summary: Get Flex Plans
      description: >
        The endpoint returns flex investment plan configurations with active
        status, filtered by the authenticated user's region and plan visibility.
        Results include public plans and private plans assigned to the account.


        Available after September 22, 2025.


        <Warning>

        Rate limit: 1000 requests/10 sec.

        </Warning>


        <Note>

        The API does not cache the response.

        </Note>
      operationId: getFlexPlans
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              required:
                - request
                - nonce
              properties:
                limit:
                  type: integer
                  maximum: 100
                  default: 100
                  description: Pagination limit.
                  example: 50
                offset:
                  type: integer
                  minimum: 0
                  default: 0
                  description: Pagination offset.
                  example: 0
                ticker:
                  type: string
                  description: 'Filter by currency [ticker](/glossary#ticker). Example: USDT'
                  example: USDT
                request:
                  type: string
                  description: Request signature
                  example: '{{request}}'
                nonce:
                  type: integer
                  description: Unique request identifier
                  example: 1594297865000
            example:
              limit: 50
              offset: 0
              ticker: USDT
              request: '{{request}}'
              nonce: 1594297865000
      responses:
        '200':
          description: Successful response
          content:
            application/json:
              schema:
                type: array
                items:
                  $ref: '#/components/schemas/FlexPlan'
              example:
                - id: 8f2e9d3c-1a4b-4c2d-9e5f-6a7b8c9d0e1f
                  ticker: USDT
                  minInvestment: '10.0'
                  maxInvestment: '100000.0'
                  maxRate: '0.15'
                - id: 7e1d8c2b-9a3b-3b1c-8d4e-5a6b7c8d9e0f
                  ticker: BTC
                  minInvestment: '0.001'
                  maxInvestment: '10.0'
                  maxRate: '0.12'
        '400':
          description: Request validation failed
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
              examples:
                invalidFields:
                  summary: Invalid parameters
                  value:
                    code: 0
                    message: Validation failed
                    errors:
                      ticker:
                        - The selected ticker is invalid.
                      limit:
                        - The limit must be an integer.
                        - The limit may not be greater than 100.
                      offset:
                        - The offset must be an integer.
                        - The offset must be at least 0.
components:
  schemas:
    FlexPlan:
      type: object
      properties:
        id:
          type: string
          description: Flex plan identifier
          example: '12'
        ticker:
          type: string
          description: Currency [ticker](/glossary#ticker)
          example: USDT
        minInvestment:
          type: string
          description: Minimum investment amount
          example: '10.0'
        maxInvestment:
          type: string
          description: Maximum investment amount
          example: '100000.0'
        maxRate:
          type: string
          description: Maximum interest rate
          example: '0.0030'
    Error:
      type: object
      properties:
        code:
          type: integer
        message:
          type: string
        errors:
          type: object
          additionalProperties:
            type: array
            items:
              type: string
  securitySchemes:
    ApiKeyAuth:
      type: apiKey
      in: header
      name: X-TXC-APIKEY
      description: The public WhiteBIT API key.
    PayloadAuth:
      type: apiKey
      in: header
      name: X-TXC-PAYLOAD
      description: Base64-encoded JSON request body.
    SignatureAuth:
      type: apiKey
      in: header
      name: X-TXC-SIGNATURE
      description: >-
        HMAC-SHA512 signature of the payload, hex-encoded. Computed as
        hex(HMAC-SHA512(payload, api_secret)).

````