> ## 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. # Payments & Fiat > Move funds into and out of WhiteBIT programmatically — crypto deposits and payouts, fiat EUR/SEPA and card rails, merchant charges, and corporate on/off-ramp between fiat and crypto. 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. ## What Payments & Fiat provides * **Crypto deposits** — a persistent or per-end-user deposit address, with incoming funds reconciled by webhook ([Payment Integration](/guides/payment-integration#deposit-address-generation)). * **Crypto and fiat payouts** — withdrawals with optional on-the-fly currency conversion ([Payment Integration](/guides/payment-integration#create-a-withdrawal)). * **Fiat rails** — EUR/SEPA bank transfers and card-provider checkout, added through institutional onboarding ([On/Off-Ramp guide](/guides/on-off-ramp-integration)). * **Merchant charges** — one-tap, off-chain settlement from a WhiteBIT user's balance with [Express Withdraw](/guides/payment-integration#express-withdraw-payments), and fee-free transfers with [WhiteBIT Codes](/platform/whitebit-codes). * **Reconciliation** — signed [webhooks](/platform/webhook) plus history polling keyed on client-side identifiers. ## 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. ## 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](/institutional/onboarding) with approved fiat access (a separate second phase). The [Payment Integration guide](/guides/payment-integration) documents each flow — deposits, withdrawals, conversion, WhiteBIT Codes, and Express Withdraw — and the [On/Off-Ramp guide](/guides/on-off-ramp-integration) covers the corporate fiat ↔ crypto journey end to end. ## 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](/guides/on-off-ramp-overview#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](/concepts/travel-rule) for the field requirements and the transfer flow. The deposit-side SEPA provider for EUR fiat deposits is confirmed per account at onboarding and is not documented in the public reference; the [On/Off-Ramp guide](/guides/on-off-ramp-integration) documents the deposit and withdrawal flows and the per-account values confirmed at onboarding. ## How to get started Build crypto flows against the [Payment Integration guide](/guides/payment-integration). 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](/institutional/onboarding). Clear the [Go-Live Checklist](/best-practices/go-live-checklist) before real volume. ## What's next Deposits, withdrawals, conversion, WhiteBIT Codes, and Express Withdraw. Access and enablement, SEPA, Travel Rule, and reconciliation. The corporate fiat ↔ crypto journey over EUR/SEPA rails.