Case summary
What happened
WhiteBIT announced WhiteBIT Earn on 21 October 2022 and renamed SMART Staking to Crypto Lending without affecting existing assets. Current terms define Crypto Lending as lending digital assets to WhiteBIT under available plans, with rates and periods varying by plan and with material digital-asset and investment risks. WhiteBIT added flexible Crypto Lending plans in April 2025 and continued expanding long-term plans in 2026. CYA preserves the predecessor relationship but does not assume that every SMART Staking-era term remained unchanged after the rename.
Customer result
Customer outcome
Not applicable
Not-applicable is not a guarantee. Current WhiteBIT terms define the product as lending digital assets to WhiteBIT and describe market, rate, service-availability and other risks.
- Estimated recovery
- No platform-wide customer-loss, claims, or repayment process was identified for WhiteBIT Crypto Lending in the reviewed sources; the product remains active.
- Repayment started
- —
- Repayment completed
- —
- Confidence
- High
Asset treatment
Terms risk
Varies by product
The canonical record does not generalize promotional security or principal-return language from a specific plan into a universal ownership or solvency guarantee. Third-party proposals appearing in the Crypto Lending section remain outside this WhiteBIT-borrower product identity unless separately reviewed.
- Affected product
- WhiteBIT Crypto Lending
- Confidence
- High
WhiteBIT's current terms define Crypto Lending as lending digital assets to WhiteBIT using available plans. The reviewed terms do not establish a bank-deposit, regulated-savings, segregated-trust or universal fiduciary arrangement for those lent assets, and they preserve service, market and plan-specific risks.
Known unknowns
Uncertainty
The 21 October 2022 date is the verified WhiteBIT Earn introduction and Crypto Lending rename date. SMART Staking predates the renamed product, and historical legal or operational terms are not assumed to be identical across the entire predecessor history.
Chronology
Historical record
WhiteBIT introduces WhiteBIT Earn and renames SMART Staking to Crypto Lending
WhiteBIT introduced the WhiteBIT Earn product family and stated that SMART Staking would be called Crypto Lending, while saying the rename would not affect user assets.
The launch_date applies to the named Crypto Lending/WhiteBIT Earn identity; SMART Staking is retained as predecessor history.
WhiteBIT launches flexible Crypto Lending plans
WhiteBIT introduced flexible Crypto Lending plans alongside fixed plans, allowing interest accrual without a fixed lock-up period and withdrawal without forfeiting already accrued flexible-plan earnings.
This is a product-expansion milestone and does not imply a customer-outcome or failure state.
Source record
Evidence dossier
Filter by claim, reliability, source type, and whether evidence is linked to a specific event.
Event
2 sourcesMeet WhiteBIT Earn
WhiteBIT · 2022-10-21
First-party announcement introducing WhiteBIT Earn and explicitly renaming SMART Staking to Crypto Lending without affecting existing assets.
Flexible Plans for Crypto Lending
WhiteBIT · 2025-04-08
First-party announcement introducing flexible Crypto Lending plans alongside fixed plans.
status
1 sourcesNew Long-Term Crypto Lending Plans with Flexible Early Withdrawal
WhiteBIT · 2026-06-17
Current first-party notice confirming continued Crypto Lending operation in 2026 and expansion of long-term plans. Product-page principal-return language is not generalized beyond the applicable plan terms.
terms risk
1 sourcesWhiteBIT User Agreement
WhiteBIT
Current first-party terms define Crypto Lending as lending digital assets to WhiteBIT, state that it is not a regulated deposit/savings/investment product and does not guarantee fixed returns, describe material crypto-market risks, and allow service restrictions or suspension.
No evidence records match the current filters.
Comparative records