April 8, 2025

5 min

Flexible Plans for Crypto Lending

We are taking WhiteBIT Earn to a new level—introducing flexible Crypto Lending plans that allow you to earn interest daily, monitor your balance and accrual history, and change the amount in the plan at any time. 

That is, apart from the fixed plans that allow you to receive from 0.23% to 17,71%, depending on the asset and investment term, you can choose the option of flexible Crypto Lending.

Manage investments with new flexible Crypto Lending plans

Try now

What Are Flexible Plans?

Unlike fixed plans, where funds are locked for a predetermined period, flexible plans allow users to earn interest without any lock-in period. This means you can withdraw your funds at any time without losing the interest you’ve already accrued.

Key features of flexible plans:

• The possibility to add funds to a flexible plan: you can increase the investment amount in the plan at any time, which will allow you to receive more.
• Withdraw anytime: Funds remain accessible, and withdrawals do not impact the interest you’ve already earned.
• Dynamic interest rate: The rate may change during the plan’s duration, adapting to market conditions.
• Hourly earnings calculation: Interest is calculated every hour and accumulates throughout the day.
• Daily payouts: The accumulated profit is credited daily to your Main Balance.
• Auto-savings feature: Users can activate automatic reinvestment, allowing for compound interest growth.

How Does It Work?

Example:

At 13:05 UTC on January 10, a user deposits 1,000 USDC into a flexible plan with a 10% annual interest rate. The system starts tracking the deposit from 14:00 UTC. The minimum holding period to generate earnings is one full hour. The user holds the deposit from 14:00 to 00:00 (10 hours).

The hourly profit is calculated as follows:
1,000 USDC × 10% / 365 / 24 = 0.01141552511 USDC per hour.

After 10 hours, the user’s total earned interest is 0.1141552511 USDC. At 00:00-00:10 UTC, the total earnings are credited to the Main balance.

Flexible Withdrawals

One of the most significant advantages of flexible plans is that users can withdraw any amount at any time without losing previously accrued interest.

Partial Withdrawal Example

A user has 1,000 USDC in a flexible plan. On January 15 at 10:30 UTC, they withdraw 500 USDC. The remaining balance is 500 USDC, and earnings are recalculated accordingly. The total daily profit is adjusted but remains proportional to the remaining balance.

Full Withdrawal Example

A user has 1,000 USDC in a flexible plan. On January 20 at 14:59 UTC, they withdraw all funds. The user had 14 hours of active investment that day. Their final credited earnings at 00:00 UTC on January 21 amount to 0.1598173516 USDC.

Auto-Savings: Maximizing Your Earnings

For those looking to maximize their passive income, WhiteBIT offers Auto-Savings, which automatically reinvests daily profits back into the flexible plan.

How does it work?

1. 00:00 – 00:10 UTC. The daily earned interest is credited to the Main balance.
2. ~00:15 UTC. The exact amount is automatically reinvested into the active plan.
3. 01:00 UTC. The new deposit balance starts accruing interest.

Example:

A user deposits 1,000 USDC in a 10% APR plan. After one full day, they earn 0.2739726027 USDC. At 00:00-00:10 UTC, this profit is credited to the Main balance. At 00:15 UTC, Auto-Savings reinvests it, increasing the deposit to 1000.2739726027 USDC. From 01:00 UTC, the new balance starts earning interest.

Interest Rate Adjustments

Unlike fixed plans, where interest rates are locked, flexible plans may have rate adjustments over time.

Example:

A user deposits 1,000 USDC in a plan with a 10% APR. On January 15 at 10:30 UTC, the rate changed to 5%. Earnings are calculated based on 10% APR from 00:00 to 10:00 UTC and 5% APR from 10:00 to 00:00 UTC. The total adjusted earnings for January 15 are 0.1940639269 USDC.

Why Choose Flexible Plans?

• No lock-in period. Withdraw funds anytime without losing accrued earnings.
• Hourly earnings calculation. Profit starts accumulating every hour.
• Daily payouts. Earned interest is credited automatically.
• Auto-savings for compound growth. Reinvest daily earnings for higher long-term returns.
• Adjustable interest rates. Stay flexible as rates adapt to market conditions.

With the introduction of flexible plans, WhiteBIT is making Crypto Lending more versatile than ever. Whether you prefer the security of fixed plans or the flexibility of withdrawal-friendly investments, you can choose the best strategy for your financial goals.

Try the new flexibility of passive income now

Try now