How to choose Gate's Yubi Bao? A comprehensive comparison of current, fixed-term, and financial annualized yields

In the current digital asset wealth management ecosystem, Gate YuBiBao provides cryptocurrency holders with a stable and flexible income channel. Compared to other investment methods, YuBiBao combines high liquidity with competitive annualized returns, making it an important tool for Gate users to enhance the value of idle assets. This article will comprehensively compare the yield performance of flexible, fixed-term, and other wealth management options, helping users better understand the differences in annualized returns, participation scenarios, and market backgrounds.

What is Gate YuBiBao and its core value

Gate YuBiBao is a cryptocurrency wealth management service offered by Gate, allowing users to deposit their digital assets into the platform and earn interest through a lending matching mechanism. The product supports multiple mainstream tokens, including stablecoins, Layer-1 tokens, and offers two flexible modes: flexible (active) and fixed-term (periodic). User earnings are settled daily or periodically, enabling “asset appreciation even when idle.”

The main advantages of Gate YuBiBao are:

• Flexible flexible income: can be subscribed to and redeemed at any time, suitable for users who need high liquidity;
• Stable fixed-term income: fixed lock-up periods offering higher annualized yields;
• Incentive mechanisms: including token reward pools, VIP bonuses, and compounded earning opportunities.

Core comparison: Flexible vs Fixed-term vs Other Wealth Management

Flexible Wealth Management — Flexibility and Immediate Returns

Flexible is one of Gate YuBiBao’s most distinctive products, characterized by no lock-up period and the ability to subscribe and redeem at any time:

• High liquidity: funds can be withdrawn at any time without time restrictions;
• Returns settled periodically: interest calculated and distributed hourly or daily;
• Fluctuating annualized yields: influenced by market demand and incentive strategies.

For example, the recently launched NEWT flexible wealth management product achieved an annualized yield of up to 134.5% (including incentives) during certain periods — although it is a promotional product, it demonstrates the high yield potential of flexible strategies during specific phases. The annualized yield of promotional products varies based on market supply, demand, and reward pools.

Suitable user types:

• Users needing flexible fund allocation;
• Active investors seeking short-term yield optimization;
• Those wishing to reduce holding risks during market volatility.

Fixed-term Wealth Management — Lock-up Periods and Stable Returns

Fixed-term wealth management requires users to lock assets for a fixed period in exchange for relatively higher annualized yields. Features include:

• Deterministic yields: locking in annualized interest rates during the lock-up period;
• Combined incentives: some products support token reward pools for increased overall returns;
• Various durations: e.g., 7 days, 14 days, 30 days, etc.

Recently, products like BTC 7-day fixed-term wealth management added reward mechanisms, with combined annualized yields reaching 10.34%. Additionally, SOL 7-day fixed-term wealth management with extra rewards can achieve an annualized yield of up to 14.9% — offering higher yield potential beyond traditional stablecoins and mainstream assets. These rewards are usually limited-time pools, available on a first-come, first-served basis.

Suitable user types:

• Long-term holders seeking steady and slightly higher returns;
• Strategic allocators exploring niche market opportunities;
• Users aiming to combine token rewards to increase overall returns.

Other wealth management strategies and comparisons

Besides flexible and fixed-term options, Gate also supports other wealth management methods (such as staking, mining yield products, etc.), which are often linked to on-chain mechanisms, network rewards, or derivative income sources:

• Staking/mining yields: e.g., static staking may involve longer lock-up periods, aligned with network reward structures;
• Strategy composite products: combining auto-compounding, staking, and market opportunities.

Compared to these, Gate YuBiBao emphasizes stability and transparent returns, with simple operation and low thresholds, making it more suitable for ordinary users and investors with moderate experience. Flexible products emphasize high liquidity, while fixed-term products focus on stable income; combining both can optimize asset allocation.

Market background in 2026 and the impact on annualized yields

According to Gate market data, as of January 7, 2026, the crypto market shows a rebound trend, with mainstream assets like BTC and SOL maintaining strong price ranges:

• BTC current price at $93,169.1;
• SOL current price at $140.71;
• GT, Gate’s native token, at $10.56.

The overall market trend and the positive outlook for early-year crypto price increases will marginally influence the benchmark yields of wealth management products and user participation willingness. It’s important to note that these prices reflect market conditions and do not guarantee returns; crypto asset prices are highly volatile and carry risks.

How to choose the right Gate YuBiBao product

When selecting flexible or fixed-term products, users are advised to consider the following strategies:

• Fund usage plan: if you may need to reallocate or transfer funds soon, flexible products are more suitable; if planning long-term holdings seeking higher yields, fixed-term is better;
• Expected annualized returns and risk appetite: fixed reward combinations offer predictable returns; flexible products may have higher incentives but with more fluctuation;
• Token ecosystem and reward terms: some fixed-term products include specific token rewards, which require evaluating the potential value and liquidity of the tokens; pay attention to reward pool limits and subscription rules, and participate timely;
• Portfolio strategy: combining flexible and various fixed-term products can simultaneously enhance flexibility and returns.

Risk tips and compliance notice

Although Gate YuBiBao products are designed to be stable, users should still be aware that:

• Annualized yields may fluctuate with market supply, demand, and reward changes;
• Some rewards are limited-time offers, which expire once the quota is filled;
• Cryptocurrency price volatility can impact the overall portfolio value.

The above content does not constitute investment advice; users should assess their own risk tolerance and investment goals before acting.

Gate YuBiBao provides users with an effective passive income channel for digital assets through flexible flexible and high-yield fixed-term products. The annualized yields and risk/liquidity features of different products vary, and by aligning with actual fund needs and market judgment, users can optimize overall asset allocation. Whether pursuing immediate flexible returns or stable locked-in gains, YuBiBao can offer customizable wealth management options within the Gate ecosystem.