Yield
WhiteBIT
WhiteBIT is a European exchange with one of the strongest risk profiles among newer venues — a fresh MiCA licence and heavily overcollateralised proof-of-reserves. Its earn product is crypto lending, with flexible and fixed plans.
Why this grade
- ✓ Regulation
Holds a MiCA licence from Austria's FMA (2026), an Estonian VASP registration, and launched a US entity in late 2025. Source →
- ✓ Proof-of-Reserves
A Hacken proof-of-reserves shows strong overcollateralisation — total collateral around 238%, BTC 507%, USDT 108% and USDC 205%. Source →
- ✓ Flexible withdrawal
Flexible crypto-lending plans can be withdrawn at any time; fixed plans lock funds for a set term. Source →
- ✗ Insurance Fund
No dedicated customer insurance fund is publicly disclosed. Source →
- ✓ Track record (2+ years incident-free)
Founded 2018 with no major hack on record. Russia labelled it an undesirable organisation in 2026, which Western users may read as a positive signal. Source →
Incidents we count
Known incidents
No known incidents in the past 2 years
All WhiteBIT products
Yield products
as of Jul 17, 2026What would WhiteBIT pay you?
How much will you earn?
Method: monthly compounding (1 + APR/12)ⁿ, where APR is the exchange's stated rate. The realized 12-month return is slightly higher due to reinvestment. Rates may change. Not financial advice.
How yields have moved
Source: daily snapshots via exchange API · accumulating since YieldScope launch
This is not an affiliate link. Price for you doesn't change.
WhiteBIT review: what this platform is
WhiteBIT is a European exchange with one of the strongest risk profiles among newer venues — a fresh MiCA licence and heavily overcollateralised proof-of-reserves. Its earn product is crypto lending, with flexible and fixed plans.
How Earn works on WhiteBIT
Crypto lending on stablecoins with flexible (withdraw anytime) and fixed terms. The flexible page sits behind login, so the figures here are conservative indicative estimates; fixed terms advertise higher rates for locking funds.
How to start on WhiteBIT, step by step
- 01Open and verify a WhiteBIT account.
- 02Deposit a stablecoin and choose a flexible crypto-lending plan.
Should you park money here?
- +Excellent risk profile — fresh MiCA licence and heavily overcollateralised proof-of-reserves.
- +No major hack on record since launch in 2018.
- −Flexible rates are behind login, so they need a manual check.
- −No dedicated insurance fund, and not available in Russia, Belarus or the US.
Compare WhiteBIT with others
Asset-by-asset rates and risk grades