How is Gate Yield Wallet earnings calculated? Detailed explanation of the daily interest formula and payout time

In digital asset management, how to keep idle assets generating income while waiting for market opportunities is a core concern for every investor. Gate’s YuBiBao, as a flexible and low-threshold financial product, supports mainstream assets like USDT, BTC, ETH for instant deposit and withdrawal, with daily interest calculation. Based on the latest data up to February 26, 2026, this article clearly breaks down the profit calculation formula, interest settlement rules, and current latest promotions of Gate YuBiBao.

What is Gate YuBiBao?

Gate YuBiBao is a flexible digital asset financial tool launched by Gate. You can think of it as a “current account” for crypto assets. When you deposit idle assets into YuBiBao, the system automatically connects these assets to the platform’s lending market, matching borrowers with leverage needs, thereby generating stable interest income for you.

Its core advantages are “instant deposit and withdrawal, daily interest calculation, and compound interest,” allowing you to maintain high liquidity while maximizing capital efficiency.

How is the profit from Gate YuBiBao calculated?

Gate YuBiBao’s profit calculation logic is clear and transparent, using simple interest with daily reinvestment. This means the interest earned each day is automatically added to the principal the next day, creating a compounding effect.

Daily earnings calculation formula

You can precisely calculate your expected daily income with the following formula:

Daily earnings = current principal × (daily annualized rate ÷ 365)

• Current principal: the total amount of assets you hold in YuBiBao (including accumulated interest).
• Daily annualized rate: this rate fluctuates in real-time based on market lending demand. You can view the latest annualized rate on the Gate YuBiBao page.

Example: How much do you earn by depositing 10,000 USDT?

Suppose you deposit 10,000 USDT into Gate YuBiBao, with a daily annualized rate of 5.2% (a recent typical median value).

• Daily earnings = 10,000 × (5.2% ÷ 365) ≈ 1.4246 USDT
• Monthly earnings (estimated with compounding): after 30 days, approximately 42.85 USDT.
• Yearly earnings (estimated with compounding): after 365 days, approximately 533.60 USDT.

This means, simply by depositing idle USDT into YuBiBao, you can earn about 1.42 USDT daily with no additional action required.

When does the daily interest arrive?

Knowing when the earnings are credited helps you better manage liquidity. The settlement rules for Gate YuBiBao are as follows:

• Interest start time: usually from the next full hour after successful subscription. The system uses the full-hour mechanism to determine if the assets are successfully lent out during that hour.
• Interest settlement: the system automatically settles the previous day’s interest daily at 00:00 (UTC+8).
• Reinvestment: the settled interest is automatically added to your principal, participating in the next day’s earnings, achieving compound growth.
• Redemption rules: real-time redemption is supported. When redeemed, the principal and settled interest are immediately credited to your spot account, ensuring you don’t miss any sudden trading opportunities.

Latest activities of Gate YuBiBao

Following the latest activities of Gate YuBiBao is key to boosting your actual yield. As of February 26, 2026, Gate has launched a series of benefit mechanisms to give you extra bonuses on top of basic returns:

Sign-up bonus: interest rate coupon

Complete the activity registration to receive a USDT 2% annualized interest rate coupon, which can be used for the 7-day fixed-term USDT product, with a limit of 2,000 USDT.

New user high-yield experience

Users who have never used YuBiBao can participate in a 3-day USDT fixed-term investment, enjoying up to 100% annualized yield. The purchase limit is 500 USDT, designed to help newcomers quickly understand the product logic.

GT holding bonus plan

Users holding a certain amount of Gate Token (GT), such as 1,000 tokens, can enjoy an additional increase (e.g., +0.3%) in the overall yield rate of their YuBiBao account, achieving a win-win for platform growth and user benefits.

Physical gold rewards

For users looking to allocate larger amounts, participating in a 30-day USDT fixed-term investment (base annualized rate 3%) can unlock up to 30 grams of pure gold (if delivery isn’t possible, it will be converted to 4,680 USDT based on the current gold price).

Market overview (as of February 26, 2026)

When allocating assets via Gate YuBiBao, understanding the current market position of mainstream assets helps you make more rational decisions. All data below are based on Gate market prices:

Bitcoin (BTC)

• Price: $68,342.4
• 24h trading volume: $1.68B
• Market share: 55.37%
• Analysis: As the market leader, depositing BTC into YuBiBao allows you to earn yield based on your holdings while holding spot, effectively hedging your time cost.

Ethereum (ETH)

• Price: $2,056.63
• 24h trading volume: $551.75M
• Market share: 9.70%
• Analysis: Despite current market sentiment being “pessimistic,” depositing idle ETH into YuBiBao can help lower your average holding cost during the wait by earning interest.

Gate Token (GT)

• Price: $7.10
• 24h trading volume: $1.22M
• Market sentiment: optimistic
• Analysis: Holding GT not only benefits from platform growth dividends but also earning additional yield by depositing into YuBiBao or holding for extra gains, a strategy for dual benefits.

Conclusion

Gate YuBiBao offers a simple and transparent profit mechanism, providing a steady passive income source for crypto holders. Whether you’re a short-term trader looking to activate idle USDT or a long-term investor seeking a safety net for BTC and ETH holdings, mastering the core formula “Daily earnings = Principal × (Annualized rate ÷ 365)” and leveraging the latest promotions can help you achieve steady asset growth.

Log in to Gate now to view real-time annualized yields and start your “passive earning” journey.