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Common questions about the WhiteBIT Payments & Fiat program.

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Access and enablement

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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.

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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 these capabilities through the account manager or institutional@whitebit.com. See the enablement gates.

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Crypto flows

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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. See Choosing between the two endpoints.

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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.

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Fiat and SEPA

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SEPA payment reference

The uniqueId 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.

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SEPA deposit provider and bank details

The deposit-side SEPA provider for EUR fiat deposits and whether a bankBic sub-field is required are confirmed per account and are not documented in the public reference, so verify both with WhiteBIT during onboarding. See the On/Off-Ramp guide for the fiat deposit flow.

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Compliance

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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.

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Reconciliation

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Matching deposits and withdrawals

Reconciliation is webhook-driven with history polling as a fallback, deduplicated on the uniqueId carried in both paths. See Webhook reconciliation.

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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.