Scope and delivery
What Yield-as-a-Service delivers
YaaS lets a partner offer WhiteBIT Crypto Lending yield to end users through the API. See the overview.Difference from the single-account quickstart
The Crypto Lending quickstart shows the flow for a single account; YaaS adds the B2B layer — a sub-account per end user, funding, per-user reconciliation, redemption, and offboarding. See the Integration guide.Integration model
How end-user funds are segregated
Each end user earns in a dedicated sub-account with independent balances and history; the main account is the funding hub. See Architecture.Whether end users need separate WhiteBIT accounts
End users do not open separate accounts — each is provisioned as a sub-account under the partner’s main account (Model A). See Sub-Accounts.Pooled account
For yield, a single pooled (omnibus) account for end-user funds is not offered. See Integration models.Onboarding and access
How lending access is granted
Crypto Lending is available on the main account with B2B access; on sub-accounts it is not enabled by default and must be enabled per sub-account on request. See How to get started.API key type for a sub-account
Running lending on a sub-account requires a type:2 key (info, trading, deposits, withdraws). See Prerequisites.Operations
Tracking each end user’s earnings
Each sub-account’s investments and payment history are that end user’s earnings; there is no aggregated cross-sub report, so reconciliation is per sub-account. See Reconcile earnings per user.Fixed versus flexible plans
Fixed plans run for a term and pay interest at maturity. An early close follows the early-withdrawal terms in Crypto Lending plan types. Flexible plans allow withdrawal anytime and credit interest daily.Test environment availability
WhiteBIT does not offer a public testnet or sandbox. Test on the live API with minimum amounts. See the Integration guide.Compliance
Regulatory review
Eligibility to offer yield to end users is assessed during KYB and handled as part of onboarding rather than in the API. See Regulatory Compliance.Support
Support contacts
The assigned account manager is the primary contact; programs and onboarding go toinstitutional@whitebit.com. See Institutional Onboarding.
What’s next
Overview
What Yield-as-a-Service provides, the model, and how to apply.
Integration
Provision sub-accounts, invest, and reconcile earnings.