Crypto Lending Quickstart

Create a Flex lending investment, monitor earnings, and withdraw funds — all via API.

Prerequisites

A WhiteBIT account with completed KYC (register)
An API key with Trade permission (create key)
Funds in Main balance (the lending API operates on Main balance, not Trade balance)
HMAC-SHA512 signing configured (authentication guide)
curl and jq installed (for command-line examples)

The quickstart uses Flex plan endpoints, which are available to all authenticated users. Fixed plan endpoints require B2B partner permissions — see the overview for details.

Fetch available Flex plans

Retrieve the list of available Flex plans to find a plan ID for investment.

cURL
Python

curl -X POST https://whitebit.com/api/v4/main-account/smart-flex/plans \
  -H "Content-Type: application/json" \
  -H "X-TXC-APIKEY: YOUR_API_KEY" \
  -H "X-TXC-PAYLOAD: YOUR_PAYLOAD" \
  -H "X-TXC-SIGNATURE: YOUR_SIGNATURE" \
  -d '{"request": "/api/v4/main-account/smart-flex/plans", "nonce": "1709340000000"}'

import requests, json, hmac, hashlib, base64, time

API_KEY = "YOUR_API_KEY"
API_SECRET = "YOUR_SECRET"
BASE_URL = "https://whitebit.com"

def make_request(endpoint, body):
    nonce = str(int(time.time() * 1000))
    body["request"] = endpoint
    body["nonce"] = nonce
    data_json = json.dumps(body)
    payload = base64.b64encode(data_json.encode())
    signature = hmac.new(
        API_SECRET.encode(), payload, hashlib.sha512
    ).hexdigest()
    headers = {
        "Content-Type": "application/json",
        "X-TXC-APIKEY": API_KEY,
        "X-TXC-PAYLOAD": payload.decode(),
        "X-TXC-SIGNATURE": signature,
    }
    return requests.post(f"{BASE_URL}{endpoint}", headers=headers, data=data_json)

# Fetch available Flex plans
response = make_request("/api/v4/main-account/smart-flex/plans", {})
plans = response.json()
print(json.dumps(plans, indent=2))

For Go and PHP examples, see SDKs.Expected response:

[
  {
    "id": "8f2e9d3c-1a4b-4c2d-9e5f-6a7b8c9d0e1f",
    "ticker": "USDT",
    "minInvestment": "10.0",
    "maxInvestment": "100000.0",
    "maxRate": "0.15"
  },
  "..."
]

Save the id value from a plan to use in the next step.

Create a Flex investment

Invest into the selected Flex plan using the plan ID from Step 1.

cURL
Python

curl -X POST https://whitebit.com/api/v4/main-account/smart-flex/investments/invest \
  -H "Content-Type: application/json" \
  -H "X-TXC-APIKEY: YOUR_API_KEY" \
  -H "X-TXC-PAYLOAD: YOUR_PAYLOAD" \
  -H "X-TXC-SIGNATURE: YOUR_SIGNATURE" \
  -d '{
    "plan": "8f2e9d3c-1a4b-4c2d-9e5f-6a7b8c9d0e1f",
    "amount": "100.00",
    "withReinvest": true,
    "request": "/api/v4/main-account/smart-flex/investments/invest",
    "nonce": "1709340000001"
  }'

# Create a Flex investment (use plan ID from Step 1)
response = make_request("/api/v4/main-account/smart-flex/investments/invest", {
    "plan": "8f2e9d3c-1a4b-4c2d-9e5f-6a7b8c9d0e1f",
    "amount": "100.00",
    "withReinvest": True,
})
print(response.json())

Required fields: plan (UUID from Step 1), amount (string). Optional: withReinvest (boolean, enables auto-reinvestment).Expected response:

{
  "data": {
    "transaction_id": "tx_9f3e0d4c-2b5c-4d3e-8f6g-7a8b9c0d1e2f"
  }
}

Check investment status

Verify the investment was created and check the current investment status.

cURL
Python

curl -X POST https://whitebit.com/api/v4/main-account/smart-flex/investments \
  -H "Content-Type: application/json" \
  -H "X-TXC-APIKEY: YOUR_API_KEY" \
  -H "X-TXC-PAYLOAD: YOUR_PAYLOAD" \
  -H "X-TXC-SIGNATURE: YOUR_SIGNATURE" \
  -d '{"request": "/api/v4/main-account/smart-flex/investments", "nonce": "1709340000002"}'

# Check active investments
response = make_request("/api/v4/main-account/smart-flex/investments", {})
investments = response.json()
print(json.dumps(investments, indent=2))

Expected response:

{
  "data": [
    {
      "id": "inv_7e2d9c3b-1a4b-4c2d-9e5f-6a7b8c9d0e1f",
      "planId": "8f2e9d3c-1a4b-4c2d-9e5f-6a7b8c9d0e1f",
      "currency": "USDT",
      "invested": "100.00",
      "withAutoReinvest": true,
      "status": 1,
      "..."
    }
  ],
  "..."
}

Withdraw from investment

Withdraw funds from the Flex investment back to Main balance.

cURL
Python

curl -X POST https://whitebit.com/api/v4/main-account/smart-flex/investments/withdraw \
  -H "Content-Type: application/json" \
  -H "X-TXC-APIKEY: YOUR_API_KEY" \
  -H "X-TXC-PAYLOAD: YOUR_PAYLOAD" \
  -H "X-TXC-SIGNATURE: YOUR_SIGNATURE" \
  -d '{
    "plan": "8f2e9d3c-1a4b-4c2d-9e5f-6a7b8c9d0e1f",
    "amount": "50.00",
    "request": "/api/v4/main-account/smart-flex/investments/withdraw",
    "nonce": "1709340000003"
  }'

# Withdraw from Flex investment (partial withdrawal)
response = make_request("/api/v4/main-account/smart-flex/investments/withdraw", {
    "plan": "8f2e9d3c-1a4b-4c2d-9e5f-6a7b8c9d0e1f",
    "amount": "50.00",
})
print(response.json())

Required fields: plan (UUID), amount (string). Partial withdrawals are supported. To withdraw everything, use the full invested amount.Expected response:

{
  "data": {
    "transaction_id": "tx_9f3e0d4c-2b5c-4d3e-8f6g-7a8b9c0d1e2f"
  }
}

After completing Step 4, the withdrawn amount returns to the Main balance. Verify by checking the Main balance endpoint.

What’s Next

Crypto Lending Overview

Plan types, capabilities, and integration patterns.

API Reference

Full endpoint documentation for all 13 lending endpoints.

For Go and PHP examples, see SDKs.

Integration Guides

Products

Platform Features

Core Concepts

Institutional & B2B

Best Practices

AI Hub

Resources

Crypto Lending Quickstart

Prerequisites

What’s Next

Crypto Lending Overview

API Reference

Integration Guides

Products

Platform Features

Core Concepts

Institutional & B2B

Best Practices

AI Hub

Resources

​Prerequisites

​What’s Next

Crypto Lending Overview

API Reference

Prerequisites

What’s Next