Create express withdraw token

The endpoint creates a signed, single-use Express Withdraw payment token that charges a specific amount from a WhiteBIT user's balance to the partner's Main balance in an instant, off-chain, zero-fee internal transfer. The response returns a URL that embeds the token; the paying user confirms the exact ticker and amount on the WhiteBIT-hosted confirmation surface.

Token and payment constraints:

• Each token is single-use: WhiteBIT marks the token used at confirmation and rejects any replay.
• Each token expires 90 seconds after creation; the expireAt response field carries the authoritative expiry timestamp. Generate the token as close as possible to the moment of presenting the URL to the user.
• The ticker must be a withdrawal-enabled cryptocurrency; the endpoint rejects fiat tickers.
• Each payment is capped at the equivalent of 10,000 USDT; WhiteBIT enforces the cap at token creation and re-enforces the cap at confirmation.
• WhiteBIT rejects self-payments: the paying user and the token creator must be different WhiteBIT accounts.
• The endpoint is idempotent per externalId: re-submitting the same externalId with an identical ticker and amount while the token is still valid returns the same token instead of creating a duplicate charge. After the token expires, the same externalId receives a fresh token.

<Note> Standard private-API rate limits apply — see [Rate limits](/api-reference/rate-limits). The endpoint carries no endpoint-specific limit. </Note>

{
  "ticker": "USDT",
  "amount": "25.50",
  "externalId": "order-100294",
  "request": "{{request}}",
  "nonce": 1594297865000
}

{
  "url": "https://whitebit.com/express-withdraw?token=8f3c0a7d4e21",
  "expireAt": "2026-07-10 12:34:56"
}