Bear Market Profit Guide: How Gate's YuBiBao Can Keep Your Crypto Assets Growing

The cyclical fluctuations of the crypto market are a reality that every investor must face. When bear market characteristics emerge—mainstream asset prices retreat, trading volume shrinks, and market sentiment becomes cautious—many investors choose to convert their assets into stablecoins like USDT and hold them in observation. If these idle funds are simply stored in wallets or exchange accounts, they are missing out on opportunities to generate passive income.

Market Turning Point: A New Approach to Crypto Asset Allocation

Currently, the crypto market shows typical correction features. The prices of major digital assets have significantly fallen from recent highs, trading volume has decreased, and investor sentiment is cautious. This environment is often described as a “crypto bear market” phase.

Historical data shows that bear market cycles in the cryptocurrency market can vary significantly in length and intensity. For example, the 2018 crypto winter lasted over a year, while the market correction in March 2020 was intense but relatively short-lived.

In such market conditions, traditional buy-high-sell-low strategies often increase risk. Conversely, adopting defensive strategies—allocating part of the funds into tools that can generate stable returns—has become an increasingly popular choice among investors. Gate’s Yield Wallet (余币宝) provides investors with a balanced solution to manage risk and reward. It allows users to lend idle crypto assets to borrowers in need, earning interest income, all automatically matched and managed through the platform’s intelligent system.

Core Solution: How Does Gate Yield Wallet Achieve Steady Returns?

Gate Yield Wallet is essentially a crypto lending service, designed with user experience and liquidity in mind. When you deposit idle USDT or other supported tokens, the platform intelligently matches them with borrowers, allowing you as the lender to earn interest. The unique aspect of this process is its automation. Users don’t need to find borrowers, negotiate interest rates, or manage loan terms—all are handled by Gate’s intelligent system.

For investors prioritizing liquidity, a key advantage of Gate Yield Wallet is the absence of lock-up periods. Users can deposit or withdraw funds at any time, making it especially suitable for those who want to earn returns while maintaining liquidity.

Actual yields vary based on market supply and demand, with different tokens offering different lending interest rates. Stablecoins like USDT typically provide relatively stable annualized yields, while tokens with high market demand and liquidity needs may offer significantly higher returns.

Yield Potential: Performance of Different Assets

In Gate Yield Wallet, returns mainly depend on the type of asset lent and market supply and demand. Stablecoins like USDT generally offer relatively stable yields, which is especially valuable during market volatility.

In contrast, some popular and high-demand tokens may offer substantially higher yields. For example, some users have reported annualized yields on certain tokens reaching high levels, reflecting strong market demand at specific times. It’s important to note that high yields often come with higher market risks, especially for tokens with high price volatility. Investors should allocate assets according to their risk tolerance. While stablecoins have lower yields, their small price fluctuations make them more suitable for risk-averse investors.

As of January 2026, the trading performance of mainstream crypto assets on the Gate platform is as follows: Bitcoin (BTC) is approximately $95,317.9 with a market cap of about $1.9 trillion, accounting for 56.04% of the crypto market share; Ethereum (ETH) is approximately $3,321.6 with a market cap of about $40.145 billion, accounting for 11.79%. As market conditions fluctuate, the lending demand for these mainstream assets will also change accordingly.

How to Get Started: Four Steps to Grow Your Crypto Assets

Getting started with Gate Yield Wallet to earn passive income is very simple, even for crypto market beginners.

Step 1: Create and verify an account

You need to create a Gate account and complete identity verification. This process follows standard KYC (Know Your Customer) procedures, which are necessary to ensure platform security and compliance.

Step 2: Deposit assets

Next, transfer your USDT or other supported tokens into your Gate account. Gate supports multiple transfer methods, including transfers from other wallets or exchanges.

Step 3: Select assets and set parameters

Access the “Earn” or “Yield Wallet” section on the Gate platform, choose the assets you want to lend. The platform will display the current estimated annualized yield for that asset to help you make decisions.

Step 4: Automatically earn yields

Once set up, the system will automatically match your assets with suitable borrowers, requiring no additional action from you. Yields are usually calculated daily and distributed, and you can view accumulated earnings or withdraw funds at any time.

Platform Ecosystem: The Unique Value of GT Token in Yield Wallet

Within the Gate ecosystem, GateToken (GT) serves as the platform’s native token, creating a positive interaction with the Yield Wallet service. Holders of GT can enjoy additional benefits when using Yield Wallet. As of January 14, 2026, the trading price of GateToken (GT) is approximately $10.67, with a market cap of about $1.07 billion. Market analysis suggests that GT’s future price may be influenced by various factors, including the expansion of the Gate platform ecosystem, increased token utility, and overall market conditions.

Based on Gate’s market data and analysis, here are price forecasts for GT at different time horizons:

These forecasts are based on current market conditions and analytical models; actual performance may vary with market changes. It’s worth noting that GT holdings are relatively concentrated, with the largest address holding about 61.60% of the total supply. This structure could impact market liquidity and price discovery mechanisms.

Risk Management: Rational Participation in Crypto Lending

Like all crypto investments, Gate Yield Wallet involves certain risks that investors should approach rationally and manage properly.

Market volatility risk is a primary concern. Sharp price swings can affect the collateral value of borrowers’ assets, triggering risk control mechanisms.

Platform security is another important factor. While Gate, as a well-known exchange, has robust security measures, any centralized platform may face technical risks.

Interest rate fluctuations also require attention. Yields in Yield Wallet are not fixed and are dynamically adjusted based on market supply and demand. Investors should have reasonable expectations and not rely solely on historical high yields as guarantees for future returns.

Gate Yield Wallet offers various risk management tools, such as setting minimum interest rates and choosing loan durations, to help users tailor their investment strategies according to their risk preferences.

Diversification Strategy: Optimizing Asset Allocation in Yield Wallet

To achieve stable and sustainable returns in Gate Yield Wallet, adopting appropriate strategies is crucial. For most investors, balancing yield and risk is the best approach.

Diversifying assets is an effective way to reduce risk. Avoid putting all funds into a single asset; instead, allocate reasonably between stablecoins and higher-yield tokens. Stablecoins like USDT, while offering lower yields, have low volatility and can provide stable baseline returns.

Monitoring market dynamics is also important. When demand for certain tokens is high, yields may be elevated, but investors should be cautious as this could be a short-term phenomenon.

Auto-reinvestment is an effective strategy to maximize long-term gains. Reinvest daily earnings into Yield Wallet to leverage compound interest, especially during periods of higher yields.

A user who started in crypto six months ago shared that he was initially hesitant to try DeFi products due to operational complexity but found Gate Yield Wallet “super easy to use—deposit USDT, BTC, or ETH, and it automatically starts earning interest.” His account shows that 80% of his funds are in stablecoins, providing steady baseline returns, while 20% are in higher-yield projects, offering additional growth potential. When the market enters the next cycle, those who have kept their assets working through tools like Gate Yield Wallet during the bear market will not only protect their principal from market volatility but also accumulate valuable gains, preparing well for market recovery opportunities.