How to earn stable passive income from idle USDT? Gate's Coin Savings helps you easily grow your assets

When we talk about cryptocurrencies, the topics often revolve around trading and speculation—buy low and sell high, chasing the next hundredfold coin. But many overlook that holding digital assets can itself become a source of passive income.

Users holding Gate’s YuBiBao can lend their idle USDT to earn an annualized yield of up to 126.69%, while mainstream stablecoin lending typically offers annualized returns between 8% and 15%. This is not just a theoretical number but a real, realized return. By intelligently matching borrowing demand with idle assets, even crypto market newcomers can easily start earning steady passive income.

Core Features

When the market enters a volatile period, many investors choose to convert assets into stablecoins like USDT and hold them on the sidelines. However, leaving these funds idle in wallets or exchange accounts means missing opportunities.

Gate’s YuBiBao is designed to solve this problem; it is essentially a crypto asset lending service. You deposit your idle USDT, and the platform lends it out to users with borrowing needs. As a lender, you earn interest income from these loans. The entire process is automatically matched and managed by Gate’s intelligent system, so users don’t need to find borrowers, negotiate interest rates, or manage loan terms. Many seasoned crypto investors see this passive income method as a fundamental part of asset allocation.

The biggest advantage of using Gate’s YuBiBao is its flexibility and ease of use. There are no lock-up periods; users can deposit or withdraw funds at any time, making it especially suitable for investors who want to maintain liquidity.

Actual Returns

In early 2026, the crypto market shows that due to supply and demand, lending interest rates for different tokens vary significantly. Stablecoins like USDT generally offer more stable annualized yields, around 8% to 15%. For some high-demand, highly liquid tokens, yields can be significantly higher. For example, on the Gate platform, a user shared that the annualized yield for the “Laozi” token in YuBiBao reached 126.69%, while the “Wo Tma Lai Le” token yielded 110.55%. This highlights the earning potential of lending crypto assets via Gate, especially for popular tokens.

Of course, high returns often come with high risks, especially for volatile tokens. Investors should allocate assets according to their risk tolerance. Stablecoins like USDT, while offering lower yields, are relatively stable in price and more suitable for risk-averse investors.

As of January 12, 2026, the trading prices of mainstream crypto assets on the Gate platform are approximately: BTC at $91,482.4, ETH at $3,130.67, SOL at $141.88, DOT at $2.106. Lending demand for these assets also fluctuates with market conditions.

Platform Operation

Getting started with Gate’s YuBiBao to earn passive income is very simple, requiring just a few basic steps. This is one of its main advantages over traditional financial products and complex DeFi protocols.

First, you need to create a Gate account and complete identity verification. This process follows standard KYC procedures, which are necessary to ensure platform security and compliance.

Next, transfer your USDT or other supported tokens into your Gate account. Gate supports multiple transfer methods, including transfers from other wallets or exchanges. Once the transfer is complete, your funds are ready for investment in YuBiBao.

Then, visit the “Earn” or “YuBiBao” section on the Gate platform, select the asset you want to lend, and set lending parameters. The platform will display the current estimated annualized yield for that asset to help you make an informed decision.

After setting your preferences, the system will automatically match your assets with suitable borrowers. No additional actions are needed. Returns are usually calculated daily and distributed accordingly. You can view accumulated earnings or withdraw funds at any time.

Gate aims to provide a user-friendly interface and streamlined process, making it easy even for crypto beginners to start earning passive income.

Risk Considerations

While Gate’s YuBiBao offers a relatively simple way to generate passive income, like all crypto investments, it involves certain risks that investors should understand and manage properly.

Market risk is one of the main concerns. Sharp fluctuations in crypto prices can cause collateral values to fall below loan requirements, triggering liquidation. Although Gate has risk control mechanisms, investors should be aware of this possibility.

Platform security is another important factor. While Gate, as a well-known exchange, has robust security measures, any centralized platform may face technical risks or security breaches. Investors should only invest funds they can afford to lose and consider diversifying across different platforms.

Interest rate fluctuations are also a consideration. The yields in YuBiBao 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’s YuBiBao also offers risk management tools, such as setting minimum interest rates and choosing loan durations, to help users tailor their investment strategies according to their risk appetite.

Yield Strategies

To achieve stable and sustainable returns in Gate’s YuBiBao, adopting appropriate strategies is crucial. For most investors, balancing yield and risk is the optimal approach.

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

For high-yield tokens, investors should exercise caution. Higher yields often mean higher market risk or liquidity risk. It’s advisable to start with smaller amounts, gradually understanding and adapting to the volatility of specific tokens before increasing investment proportions.

Monitoring market dynamics is also important. When a token’s borrowing ratio approaches or reaches 100% (as was the case for “Laozi” and “Wo Tma Lai Le” tokens in early January 2026), it usually indicates strong market demand, and yields may be higher. However, 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 YuBiBao to leverage compound interest, allowing assets to grow faster, especially during periods of high yields.

On the Gate YuBiBao interface, you will see a continuously updating lending market, with USDT interest rates fluctuating with demand. The total earnings figure in the top right corner keeps increasing, reflecting the gradual appreciation of your crypto assets. Behind this number is the daily and hourly matching of loans—you’re no longer a passive observer of market trends but an active participant in the crypto economy. Idle assets find a new purpose here, no longer sleeping in wallets but creating value through flow. The power of choice has never been clearer: wait and see, or let every USDT work for you continuously?