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The Payments & Fiat program covers programmatic movement of funds into and out of WhiteBIT: crypto deposits and payouts, fiat rails over EUR/SEPA and card providers, instant off-chain merchant charges, and corporate on/off-ramp between fiat and crypto. It suits payment providers crediting end customers, merchants collecting payments, and businesses settling revenue over EUR rails.

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What Payments & Fiat provides

  • Crypto deposits — a persistent or per-end-user deposit address, with incoming funds reconciled by webhook (Payment Integration).
  • Crypto and fiat payouts — withdrawals with an optional currency conversion before the payout (Payment Integration).
  • Fiat rails — EUR/SEPA bank transfers and card-provider checkout, added through institutional onboarding (On/Off-Ramp guide).
  • Merchant charges — one-tap, off-chain settlement from a WhiteBIT user’s balance with Express Withdraw, and fee-free transfers with WhiteBIT Codes.
  • Reconciliation — signed webhooks plus history polling keyed on client-side identifiers.

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Who Payments & Fiat is for

  • Payment providers — assign a deposit address per end customer and credit accounts on confirmation.
  • Merchants and platforms — collect crypto payments from WhiteBIT users instantly and off-chain.
  • Corporate on/off-ramp clients — move company funds between fiat and crypto over EUR rails.

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How it works

Every flow authenticates with an HMAC-signed API key and reconciles against signed webhooks and history polling. Most crypto flows are available after standard account setup; some — Express Withdraw and dedicated per-user deposit addresses — require a separate per-account enablement, and fiat flows require completed institutional onboarding with approved fiat access (a separate second phase). The Payment Integration guide documents each flow — deposits, withdrawals, conversion, WhiteBIT Codes, and Express Withdraw — and the On/Off-Ramp guide covers the corporate fiat ↔ crypto journey end to end.

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Program terms

Fee schedules and limits for fiat deposits and withdrawals are set per individual agreement and confirmed by the account manager during onboarding; the enabled currency and provider matrix is reported at runtime and reviewed at onboarding (see program terms). Compliance obligations apply to cross-border transfers: For transfers in scope of the Travel Rule, originator and beneficiary information is required. See Travel Rule for the field requirements and the transfer flow. The account manager confirms the deposit-side SEPA provider for EUR fiat deposits on each account at onboarding; the On/Off-Ramp guide documents the deposit and withdrawal flows and the per-account values confirmed at onboarding.

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How to get started

Build crypto flows against the Payment Integration guide. For fiat rails, email institutional@whitebit.com with the registered legal entity, the licenses held, whether the scope is crypto-only or fiat as well, and the countries served, then complete institutional onboarding. Clear the Go-Live Checklist before real volume.

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What’s next

Integration

Deposits, withdrawals, conversion, WhiteBIT Codes, and Express Withdraw.

FAQ

Access and enablement, SEPA, Travel Rule, and reconciliation.

On/Off-Ramp guide

The corporate fiat ↔ crypto journey over EUR/SEPA rails.