Gate YuBiBao vs. other flexible savings products: Which plan is more suitable for you?

Gate YuBiBao, as the core financial product launched by Gate Exchange, is leveraging its unique features of flexible deposit and withdrawal along with steady returns to provide an efficient asset management solution for over ten million crypto asset holders worldwide. Its emergence not only offers users a way to convert idle digital assets into continuous passive income but also marks a solid step forward in the exchange’s exploration within the digital financial sector.

Product Foundation: Core Features of Gate YuBiBao

Gate YuBiBao is essentially an efficiency tool that connects asset supply and demand. It aggregates users’ idle crypto assets to support liquidity for platform activities such as lending. The system automatically matches funds to users or institutions with demand, and the generated interest is returned as earnings to depositors.

Compared to complex on-chain operations, YuBiBao has a very low entry barrier. The subscription process is simple, interest calculation periods are flexible, and it supports instant access and various fixed-term products (such as 7 days, 14 days, 30 days).

This product supports nearly a thousand different cryptocurrencies, from mainstream USDT, BTC, ETH to various emerging altcoins. Data shows that the total assets managed by YuBiBao have exceeded 3 billion USD.

Market Status: Steady Returns and User Trust

In the highly volatile crypto market, seeking stable returns has become a common choice among more and more holders. The annualized yields of products like YuBiBao are quite attractive, varying by coin type and term. On the Gate platform, the highest comprehensive annualized yield for USDT flexible products can reach 12.5%, while some fixed-term financial products can offer annualized yields of over 500%. Compared to traditional bank USD deposits with about 3% annual interest, YuBiBao’s USDT flexible product provides more competitive returns. More importantly, GT holders can enjoy an additional 2%–3% yield bonus within YuBiBao, creating a positive feedback loop within the platform ecosystem.

Niche Comparison: Finding Balance Among Different Financial Products

Cryptocurrency financial products are diverse, with varying risk and return profiles. Compared to other types of crypto financial products, Gate YuBiBao achieves a unique balance between flexibility, risk, and return.

YuBiBao also has a clear distinction from the “On-chain earning” within the Gate ecosystem. On-chain earning involves Gate encapsulating complex on-chain staking, DeFi lending, and other operations into a one-stop service, with returns directly derived from on-chain protocols. While offering attractive annualized yields, users still need to bear risks such as smart contract attacks. In contrast, YuBiBao’s operation logic is closer to traditional centralized finance, relying on the exchange’s own credit system and risk control capabilities.

Ecosystem Synergy: Capturing Value and Yield Bonus of GT

The success of Gate YuBiBao is not only due to its product features but also stems from its deep integration with the platform’s native token GT ecosystem, forming a closed-loop of value. Within the YuBiBao system, GT holders can enjoy additional yield bonuses unavailable to ordinary users, which directly increases the demand for holding GT and its intrinsic value. Besides the direct interest rate bonus, GT’s empowerment is also reflected in governance. Users can stake GT to participate in community voting on product design, such as the previously approved proposal to “add ETH staking options,” which was driven by community governance.

As YuBiBao’s asset management scale grows, the demand for GT will rise accordingly, further boosting GT’s value. The appreciation of GT’s value enhances its ecosystem’s empowerment, attracting more users to join the Gate ecosystem, creating a positive flywheel of user growth and token value mutually reinforcing.

Future Outlook: Platform Development and Price Forecast

Reviewing the market performance of Gate’s native token GT, its price reached a high of approximately $15.98 in 2024. According to data from multiple third-party analysis platforms as of January 9, 2026, GT’s recent price fluctuates around $10.21.

Various predictive models exist for GT’s future trend. Some believe that, considering the continuous development of the Gate ecosystem (especially the growth of products like YuBiBao), GT’s price may fluctuate within the range of $10.53 to $11.42 in 2026.

When a new user deposits 1000 USDT into Gate YuBiBao’s flexible account, their assets are not dormant. These assets are efficiently allocated by the system, powering trading and lending activities within the platform, while generating daily interest for the user. On Gate, over 800 cryptocurrencies are earning additional yields through this method.