A Visual Guide to Gate Yubi Bao: How the USDT Savings Account Works and the Latest 2026 Promotions

In the cryptocurrency market, how to keep idle assets productive while waiting for market opportunities is a question every investor considers. Gate’s flagship financial product, Gate Earn, with its flexible features of “deposit anytime, withdraw anytime, and daily interest calculation,” has become the preferred tool for many users to manage idle USDT, BTC, and even GT assets. This article will visually explain the principle of USDT earning through Gate Earn and provide the latest activities and market trends as of February 2026.

What is Gate Earn?

Gate Earn is a low-threshold, highly liquid digital asset management tool launched by the Gate platform. Users can think of it as a “demand deposit account” for crypto assets. When you deposit assets that you are not currently trading (such as USDT, BTC, ETH, etc.) into Gate Earn, the system automatically connects these assets to the platform’s lending market, matching them with borrowers seeking leverage, thereby generating stable interest income for the user.

Visual Explanation: How USDT Earn Works

To help you intuitively understand the flow of funds and the logic of earning, we can break down Gate Earn’s operation into three core steps:

1. Deposit Funds: You select the USDT demand deposit product on the Gate Earn interface and deposit your assets. This operation is simple, and the funds immediately start accruing interest.
2. Market Matching: The system uses an intelligent matching engine to lend your idle USDT to traders on the platform who need funds for leverage trading or arbitrage. Gate Earn acts as an information intermediary, ensuring precise matching of lending needs.
3. Income Distribution: The interest paid by borrowers, after deducting the platform’s low service fee, is fully returned to the user. The earnings follow a daily reinvestment model, where the interest earned on the day is automatically added to the principal the next day, enabling compound growth.

Interest calculation formula:

Daily earnings = current principal × (annualized yield ÷ 365)

For example, depositing 10,000 USDT with an annualized yield of 5.2%, you can earn about 1.42 USDT daily, and this amount will automatically roll into the principal the next day, making your money work for you.

Latest Activities of Gate Earn

Staying updated on Gate Earn’s latest activities is key to maximizing your funds’ efficiency. As of February 2026, Gate has introduced multiple benefit mechanisms to further boost basic returns:

• New User Bonus Interest: New users who open Gate Earn and deposit USDT for the first time can enjoy an extra annualized interest coupon (e.g., +1.5%), making the demand deposit highly competitive in the short term.
• GT Holding Bonus Plan: Users holding a certain amount of Gate Token (GT), such as 1,000 tokens, can receive an additional bonus (e.g., +0.3%) on their entire Earn account yield, creating a win-win situation for the platform ecosystem and users.
• Invite Friends Rebate: By sharing a dedicated link to invite friends to use Gate Earn, the inviter can earn 5%–10% of the invited person’s earnings as a commission, building a passive income stream.

Market Trends and Asset Allocation Reference

When using Gate Earn for asset allocation, understanding the market position of mainstream assets helps make more rational decisions. Below are the latest data as of February 24, 2026.

Bitcoin (BTC) Market Data

• Current Price: Bitcoin is priced at $64,471 today, with a 24-hour trading volume of $1.18 billion.
• Market Performance: Market cap is $1.31 trillion, with a market share of 55.37%. Price change in the past 24 hours is -1.04%. The highest price in 24 hours is $66,604.7, and the lowest is $63,418.3.
• Key Data: All-time high was $126,080, and the lowest was $67.81. Current circulating supply is 19.99 million BTC.
• Price Forecast: Based on model analysis, Bitcoin’s average price in 2026 is projected at $65,837.2, with a range between $47,402.78 and $67,812.31. Long-term outlook to 2031 suggests potential prices up to $116,957.38.

Ethereum (ETH) Market Data

• Current Price: Ethereum is priced at $1,855.86 today, with a 24-hour trading volume of $460.97 million.
• Market Performance: Market cap is $231.09 billion, with a market share of 9.70%. Price change in the past 24 hours is -1.00%. The highest price in 24 hours is $1,935.37, and the lowest is $1,811.57.
• Key Data: All-time high was $4,946.05, and the lowest was $0.4329. Current market sentiment rating is “pessimistic.”
• Price Forecast: Ethereum’s average price in 2026 is estimated at $1,903.51, with a range from $1,104.03 to $2,474.56. By 2031, the model’s reference price could be around $5,043.93.

Gate Token (GT) Market Data

• Current Price: GT is priced at $6.93 today, with a 24-hour trading volume of $2.99 million.
• Market Performance: Market cap is $761.58 million, with a market share of 0.033%. Price change in the past 24 hours is -1.00%. Market sentiment is “optimistic.”
• Key Data: All-time high was $179.27, and the lowest was $1.77. Current circulating supply is 108.95 million GT.
• Price Forecast: GT’s average price in 2026 is projected at $6.94, with a range between $5.41 and $8.05. Long-term, by 2031, prices could reach around $14.36.

Why Choose Gate Earn for USDT Financial Management?

In the context of ongoing market volatility, Gate Earn offers multiple values:

1. Capital Safety Buffer: The platform has a risk reserve system, implements fund segregation, and conducts real-time monitoring to prioritize user principal safety during extreme market conditions. Historical data shows Gate Earn has maintained a 100% repayment rate.
2. Opportunity Cost Management: Depositing BTC, ETH, or USDT intended for bottom-fishing or long-term holding into Earn allows you to earn returns while waiting for market opportunities, effectively offsetting the opportunity cost of holding.
3. Extremely High Liquidity: Demand deposit products support anytime redemption, with funds transferred instantly to spot accounts, ensuring you won’t miss any sudden trading opportunities.

Conclusion

Overall, Gate Earn is not just a simple demand deposit tool but a foundational infrastructure to optimize individual digital asset allocation. By depositing idle USDT and other assets into Earn and leveraging the latest activities, you can make every dollar work for you and build a robust income shield amid market turbulence.

Log in to the Gate App or official website now to check real-time annualized yields and start your passive earning journey.