What is Gate Yubi Bao? Understand the mechanisms and earning methods of savings and fixed-term financial management.

What Is Gate Yu Ebbao?

Gate Yu Ebbao is a digital asset wealth management service that allows users to participate in yield-generating products with their held cryptocurrencies, further improving capital efficiency. On this platform, users can subscribe using over 800 types of digital assets, choose between flexible (on-demand) or fixed-term wealth management products, and generate additional returns from assets that would otherwise remain idle. Through different types of wealth management schemes, users can flexibly allocate digital assets according to their own funding plans and risk preferences.

Go to Gate Yu Ebbao now to participate in yield-generating products with your held cryptocurrencies:

Key Features of Yu Ebbao

1. Flexible subscription methods

Yu Ebbao offers two types of wealth management products: flexible (on-demand) and fixed-term.

• The flexible product allows users to put idle tokens into wealth management and earn daily returns while maintaining liquidity. Users can redeem their assets at any time when needed.
• The fixed-term product has a lock-up period. During this period, users generally earn higher and more stable returns.

2. Automated “earn-crypto” mechanism

To improve capital utilization, the system automatically subscribes idle funds in users’ spot accounts or unified accounts into the flexible wealth management product at 2:30 (UTC+0) and 15:30 (UTC+0) every day.

This way, even without manual operation, assets can automatically participate in wealth management and start generating returns.

100% Reserve Fund Mechanism

Gate states that its platform adopts a 100% reserve fund system to ensure the safety of user assets. On centralized exchanges, user assets are typically recorded through database ledgers. To make asset status more transparent, Gate uses Merkle Tree technology, recording each account’s asset hash value in the leaf nodes of the Merkle Tree.

Third-party auditors can verify that the total amount of all user assets is fully and correctly stored on the platform by auditing these nodes. If the audit results show that the total asset amount is greater than or equal to 100%, it indicates that the platform holds a complete reserve corresponding to user assets.

How Flexible (On-Demand) Wealth-Management Returns Are Calculated

After users subscribe to the flexible (on-demand) Yu Ebbao product, the platform will invest that capital into an internal lending market to provide liquidity support for other users. The interest generated during lending will be the main source of returns for the flexible wealth management product.

In the return calculation, if the asset is successfully lent out during a whole hour (T), the user can start earning interest for that hour at the next whole hour (T+1). Conversely, if the user redeems before the next whole hour, that period will not accrue interest. All hourly generated returns are automatically compounded (reinvested) without user intervention. When users redeem assets, they can withdraw both the principal and the accumulated interest in one transaction.

Additionally, the estimated annualized yield shown for the flexible product is dynamically calculated based on historical performance and current market lending demand, and it will be adjusted in real time as market conditions change.

How Fixed-Term Wealth-Management Returns Are Calculated

Returns for fixed-term wealth management products start calculating at 08:00 (UTC+8) the day after subscription completion. When the product matures, the returns will be returned along with the principal to the user’s spot or trading account. The fixed-term product’s annual interest rate may be adjusted according to market changes, and the final returns are based on the settlement at maturity.

Asset Redemption Mechanisms

1. Redeeming the flexible product

Flexible wealth management supports subscription and redemption at any time, with funds usually arriving instantly. If many redemption requests occur in a short period, the platform may process them sequentially. During the waiting period, assets can still earn interest.

2. Redeeming the fixed-term product

Fixed-term wealth management allows early redemption before maturity, but note that early redemption will forfeit any accumulated returns.

The principal is typically returned within 24 to 48 hours. No early redemption can be initiated within 1 hour before the product matures.

Risk Notice

The digital asset market is volatile, and investment values may rise or fall. All investment decisions are made by users at their own risk. The estimated annualized yield is a projection and may be adjusted as market conditions change; actual returns may differ from expectations. This content is for informational purposes only and does not constitute investment advice.

Summary

Gate Yu Ebbao offers users more flexible digital asset management through two wealth management modes: flexible and fixed-term. Whether seeking liquidity with the flexible plan or stable returns with the fixed-term product, idle assets can be utilized more efficiently. Before participating, users should fully understand market risks and allocate assets according to their own needs.