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WhiteBIT uses three account types to separate funds by purpose: Main, Trade, and Collateral. Funds must be transferred between accounts before use — deposits arrive in Main, trading requires Trade or Collateral.

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Account types

Main balance — The primary holding account. Deposits arrive here. Withdrawals leave from here. Lending (U EARN) investments are held in Main. Main balance is not used for direct trading. Trade balance (Spot) — Holds funds for spot trading. Transfer funds from Main to Trade before placing spot orders. Each currency has an available amount (ready to trade) and a freeze amount (locked in open orders). Collateral balance (Margin & Futures) — Holds funds for both margin and futures trading. Transfer funds from Main to Collateral before opening leveraged positions. The same Collateral balance serves both products — the market pair determines whether the position is Margin or Futures.
  • Endpoint: POST /api/v4/collateral-account/balance — API Reference
API naming convention: WhiteBIT’s API uses “collateral” endpoints for both Margin and Futures trading. The market pair determines the product: spot pairs (e.g., BTC_USDT) for Margin, perpetual pairs (e.g., BTC_PERP) for Futures. All endpoints under /api/v4/order/collateral/ and /api/v4/collateral-account/ serve both products.

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Fund flow

Transfers between account types use a single endpoint and are instant and fee-free. 
Main ↔ Trade          (for spot trading)
Main ↔ Collateral     (for margin and futures trading)
Direct transfers between Trade and Collateral are not supported. Route funds through Main when moving between the two.
  • Transfer endpoint: POST /api/v4/main-account/transfer — API Reference
Transfer direction is controlled via the method parameter:
  • deposit — Main → Trade
  • withdraw — Trade → Main
  • collateral-deposit — Main → Collateral
  • collateral-withdraw — Collateral → Main

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Available vs. frozen balance

Each balance entry includes two fields:
FieldDescription
availableFunds ready to use for new orders or transfers
freezeFunds locked by open orders or pending operations
Total balance = available + freeze. Only available funds can be transferred or used to place orders.

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USDTB (bonus collateral)

USDTB is a bonus collateral token used for futures trading. USDTB cannot be deposited or withdrawn — the platform grants USDTB as a bonus asset. USDTB appears in the Collateral balance and counts toward futures margin requirements.

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Deposit flow

  1. Generate a deposit address. Use POST /api/v4/main-account/create-new-address (API Reference) to generate a unique address per request, or POST /api/v4/main-account/address (API Reference) to retrieve a persistent reusable address. Alternatively, create an address through the platform UI.
  2. Send crypto to the generated address.
  3. Funds arrive in Main balance after blockchain confirmations. Confirmation requirements vary by asset.
  4. Transfer from Main to Trade (for spot orders) or to Collateral (for margin/futures positions).

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Withdrawal flow

  1. Ensure funds are in Main balance — transfer from Trade or Collateral if needed.
  2. (Optional) If the held currency differs from the withdrawal currency, transfer to Trade balance, convert via the Convert feature, and transfer back to Main balance. See Payment Integration for the full withdrawal-with-conversion flow.
  3. Submit a withdrawal request via POST /api/v4/main-account/withdraw.
  4. Withdrawal processes after security checks complete.
EEA users: Crypto withdrawals require a travelRule object with beneficiary information (name, address, VASP). Deposits may be held for Travel Rule verification (status codes 27, 28). See Regulatory Compliance for full details.

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What’s Next

Authentication

Generate API keys and sign requests.

First API Call

Choose an integration path.

Account & Wallet API

Full endpoint documentation for balances, deposits, and withdrawals.