Access and enablement
Access to fiat operations
Fiat deposits and withdrawals require completed institutional onboarding with approved fiat access — a separate second phase that is not automatic after KYB. See the On/Off-Ramp overview.Per-account activations
Four capabilities are enabled per account rather than by default — the fiat deposit invoice endpoint, dedicated per-user deposit addresses, Express Withdraw, and Travel Rule API access. Request all four through the account manager, with the API key for the invoice endpoint; see Unique address per user for per-user deposit addresses. See the enablement gates.Account limits
The account’s deposit and withdrawal limit is a rolling monthly limit counted in USD equivalent. For bank transfers, WhiteBIT sets the account’s limit from the source-of-funds and source-of-wealth information provided during onboarding; the account manager confirms the values. See Program terms.Crypto flows
Persistent versus per-user deposit addresses
A persistent address suits single-wallet and treasury setups; a fresh address per end customer suits payment providers that reconcile by address (plus memo on memo networks). See Choosing between the two endpoints.Charging a WhiteBIT user off-chain
Express Withdraw charges a specific amount from a WhiteBIT user’s balance in one confirmation, settling as an instant off-chain transfer into the partner’s Main balance. See Express Withdraw payments.Fiat and SEPA
SEPA payment reference
TheuniqueId submitted with the fiat deposit request must appear in the SEPA payment-reference field so the incoming settlement matches the original request. See SEPA payment reference.
SEPA deposit provider
The account manager confirms the deposit-side SEPA provider for EUR fiat deposits on each account during onboarding. See the On/Off-Ramp guide for the fiat deposit flow.Compliance
Travel Rule for EEA and Turkey
Inbound crypto deposits for EEA and Turkey accounts are held until Travel Rule verification completes, and crypto withdrawals from EEA accounts carry a Travel Rule payload. See Travel Rule.Reconciliation
Matching deposits and withdrawals
Reconciliation is webhook-driven with history polling as a fallback, deduplicated on theuniqueId carried in both paths. See Webhook reconciliation.
What’s next
Overview
What the Payments & Fiat program provides and who it is for.
Integration
Deposits, withdrawals, conversion, WhiteBIT Codes, and Express Withdraw.
Partner FAQ
Cross-cutting answers shared across programs — KYB, sandbox, fees, and rate limits.