Borrow crypto without selling your assets
Crypto Borrow on WhiteBIT lets you borrow against your crypto without selling it —access funds for trading, transfers, or withdrawals, directly on the platform.
Simple and quick transactions
•
Secure environment
•
Instant balance funding
•
Convenient fiat access
•
Flexible payment methods
•
Simple and quick transactions
•
Secure environment
•
Instant balance funding
•
Convenient fiat access
•
Flexible payment methods
•
Simple and quick transactions
•
Secure environment
•
Instant balance funding
•
Convenient fiat access
•
Flexible payment methods
•
Simple and quick transactions
•
Secure environment
•
Instant balance funding
•
Convenient fiat access
•
Flexible payment methods
•
How does it work?
Step 1
Transfer collateral
Move assets to your Collateral balance. These funds will be used to secure your crypto loan.
Step 2
Choose asset and amount
Select the cryptocurrency you want to borrow — BTC, ETH, USDT, and more. Specify the amount and the system will calculate required collateral and available limits.
Step 3
Confirm borrowing
Review conditions and confirm. Borrowed assets are credited to your balance instantly.
Step 4
Use your funds
Trade, transfer, or withdraw — use borrowed assets however you need, directly within the platform.
About Crypto Borrow
Crypto borrowing allows users to access liquidity without selling their assets. Instead of converting holdings into fiat or stablecoins, users can open cryptocurrency loans secured by their collateral.
On WhiteBIT, crypto collateral loans are structured based on the Collateral Balance and available margin. The borrowing amount depends on the value of assets provided as collateral and current platform conditions.
How much can you borrow?
Collateral weight defines how much of an asset’s value can be used to secure a crypto loan. Different assets have different collateral coefficients that affect borrowing capacity.
- Assets on the Collateral Balance
- Open margin and futures positions with positive P&L
Here's exactly what this costs. Nothing else.
One rate. No origination fees, no hidden charges, no fine print.
Crypto Borrow fees
- Approximate rate: 0.098% per day
- Accrual: calculated continuously over time
- Repayment: available at any moment
Full cost breakdown
Every charge — named and quantified. No line items hiding at checkout
Daily rate
Setup fee
Early repayment penalty
Hidden charges
Monthly fee
Repayment
0.098%
$0.00
$0.00
$0.00
$0.00
Available anytime
Benefits of Crypto Borrow on WhiteBIT
Access liquidity without selling assets
Use your holdings to borrow crypto while keeping your long-term positions intact.
Flexible use of borrowed funds
Borrowed assets can be used for trading, transfers, or withdrawals.
Multiple supported assets
Access a wide range of cryptocurrency loans, including BTC, ETH, USDT, and more.
No fixed loan period
Loans remain active as long as sufficient collateral is maintained.
Integrated platform experience
Manage loan against crypto, trading, and balances within a single interface.
Stay invested. Access liquidity. Do both at once.
No fixed term. No hidden fees. Borrow what you need, repay when you're ready.
FAQ
A crypto loan allows you to borrow digital assets by providing collateral. The loan remains active while sufficient collateral is maintained.
You can borrow crypto directly on WhiteBIT through the Crypto Borrow feature.
Transfer assets to Collateral Balance, select the asset to borrow, enter the amount, and confirm the transaction.
Loan crypto by using your holdings as collateral and borrowing another asset within the platform.
Loan-to-Value (LTV) is a common metric used in crypto collateral loans to measure the ratio between borrowed funds and collateral value. On WhiteBIT, borrowing capacity is based on collateral balance and margin availability rather than a fixed LTV value.
Borrowed assets can be used for trading, transfers, withdrawals, or other supported platform operations.
To borrow against your crypto, move funds to Collateral Balance and open a loan based on available collateral.
Supported assets include BTC, ETH, USDT, and other cryptocurrencies available within the platform.
Fiat assets are not available for borrowing or collateral.
There is no fixed loan period. Loans remain active while collateral requirements are met.
