---
title: "Get plans"
method: POST
path: "/api/v4/main-account/smart/plans"
tags: ["Crypto Lending - Fixed"]
---

# Get plans

`POST /api/v4/main-account/smart/plans`

The endpoint returns investment plan configurations with active status and API access enabled, filtered by the authenticated user's region and plan visibility. Results include public plans and private plans assigned to the account.

<Note>
These endpoints are available only for B2B partner services. Fill the institutional services form to get permissions to use these endpoints.
</Note>

**Note:** When target currency is different from source currency, interest amount in target currency will be calculated using `interestRatio` value.

**Examples:**
- When source currency = USDT, target currency = BTC and interest ratio = 40000, interest is received in BTC and equals the USDT interest amount divided by the interest ratio (e.g. 0.000025 BTC per 1 USDT of interest).
- When source currency equals target currency, interest ratio equals 1.

<Warning>
Rate limit: 1000 requests/10 sec.
</Warning>

<Note>
The API does not cache the response.
</Note>

## Request body

- object
  - `ticker` string — [Invest plan](/glossary#crypto-lending) source currency's [ticker](/glossary#ticker). Example: BTC
  - `request` string, required — Request signature
  - `nonce` integer, required — Unique request identifier

## Response `200`

Successful response

- FixedPlan[]
  - `id` string — Invest plan identifier
  - `ticker` string — Source currency ticker
  - `status` integer — Status (1 - active, 2 - no coins left, 3 - inactive, 4 - pause)
  - `percent` string — Interest percent
  - `duration` integer — Investment duration (in minutes)
  - `interestTicker` string — Target currency ticker
  - `interestRatio` string — Target currency to source currency ratio
  - `minInvestment` string — Minimum investment amount
  - `maxInvestment` string — Maximum investment amount
  - `maxPossibleInvestment` string — Maximum investment amount due to current invest plan state

## Other responses

- `400` — Request validation failed

---

[API](https://skmtc.net/whitebit/apis/whitebit-private-http-api-v4.md) · [All operations](https://skmtc.net/whitebit/apis/whitebit-private-http-api-v4/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/whitebit/whitebit-private-http-api-v4/revisions/76c9def9942f/schema)