How to achieve a 20% annualized return? Gate's Yubi Bao new user benefits and NIGHT high-yield financial management are now available for a limited time.

In the context of increasing volatility in the crypto market, investors’ demand for stable returns is becoming more urgent.

According to Gate Market Data, as of February 5, 2026, Bitcoin price is $72,313.9, with a market cap of $1.56 trillion; Ethereum price is $2,139.38, with a market cap of $353.69 billion. The high-level fluctuations of mainstream assets in the market are prompting more investors to turn their attention to financial management tools.

Gate YuBiBao has simultaneously launched two activities—“YuBiBao Welfare Week” and “NIGHT 30-Day Fixed-Term Financial Management with 20% Annualized Return”—targeting different needs: one offers a zero-threshold experiential entry, and the other provides high returns for in-depth participation.

Market Environment and Financial Opportunities

The current cryptocurrency market is at a critical turning point. Bitcoin has fallen 5.33% in the past 24 hours, Ethereum down 5.62%, and Gate platform token GT has also retraced 5.80%, now trading at $7.63. This widespread market correction highlights the importance of crypto asset financial management. When trading yields become more uncertain, obtaining stable income through financial products becomes an effective strategy to hedge market volatility.

The dual-benefit activities launched by YuBiBao at this time demonstrate precise market timing. For cautious investors, a 10 USDT experience voucher offers a risk-free trial; for users with clear financial needs, the NIGHT fixed-term financial product offering a 20% annualized return provides a rare high-yield option.

YuBiBao Welfare Week: Zero-Threshold Tasting Experience

Gate’s “YuBiBao Welfare Week” activity embodies a low-threshold, highly attractive customer acquisition strategy. The core highlight is its simple participation process and immediate reward feedback. Users only need to register on the activity page to instantly receive a 10 USDT position experience voucher, which can be used to try various Gate financial or position products. This “meet-and-greet” design allows users to understand YuBiBao’s operation mode and returns risk-free without investing their own funds.

The second phase of the activity is task-driven. After completing designated tasks, users can earn a 100% chance to win a gold bar in the lottery. This design maintains the low-threshold feature while encouraging deeper understanding of YuBiBao products through a “task-reward” mechanism.

NIGHT 30-Day Fixed-Term Financial Management: 20% High-Yield Opportunity

Unlike the universal design of Welfare Week, the NIGHT 30-day fixed-term financial activity targets mature investors seeking specific high-yield opportunities. This activity offers a fixed annualized return of up to 20%, with a total quota of 30 million NIGHT tokens, on a first-come, first-served basis. The event runs from 15:00 on February 3, 2026, to 15:00 on March 3, 2026 (UTC+8), with a 30-day financial cycle perfectly synchronized with the event duration.

From a product design perspective, this high-yield financial product has several notable features:

• Clear yield structure: 20% annualized return is locked in at purchase, unaffected by market fluctuations
• Transparent interest distribution: upon maturity, interest is paid in NIGHT tokens, which can be viewed clearly in the earnings record
• Moderate term: a 30-day lock-in period offers attractive returns without overly restricting liquidity

It’s worth noting that the quota limit and time-sensitive nature of this product create scarcity and urgency, helping to promote quick decision-making and participation.

Strategic Complementarity of the Dual Activities

Gate’s simultaneous launch of these two activities is no coincidence but a carefully designed combined strategy aimed at covering a broader user base and meeting different needs.

“YuBiBao Welfare Week” acts as an entry point and traffic driver, attracting new users with nearly no-threshold rewards to explore YuBiBao products. The 10 USDT experience voucher is like a key opening the door to crypto financial management. Meanwhile, the 30-day NIGHT fixed-term financial product is a vehicle for deep engagement and value accumulation, offering competitive returns for users with some prior knowledge and capital strength. The 20% annualized return is particularly attractive in the current market environment, especially compared to traditional financial products.

These two activities form a natural user conversion path over time: new users can initially understand YuBiBao through Welfare Week, and if satisfied and financially capable, they can further participate in NIGHT high-yield financial management, creating a complete cycle from “try” to “invest.”

Participation Strategies and Precautions

Different user types should adopt different optimal strategies when participating in these two activities.

For crypto financial management beginners or cautious investors, it’s recommended to start with “YuBiBao Welfare Week.” Use the 10 USDT experience voucher to understand Gate’s financial products, operation procedures, yield calculation methods, and security measures. This zero-risk trial helps build confidence in the platform and products.

For experienced users with existing crypto assets, focus on the high-yield NIGHT 30-day fixed-term financial management. Considering quota limits and first-come, first-served rules, early participation after the activity starts is advised. Also, allocate assets reasonably to avoid putting all funds into a single product.

For loyal Gate platform users or GT holders, a combined strategy involving both activities can be formulated. GT is currently priced at $7.63, with a market cap of $880.16M and a market share of 0.034%. The development of the platform ecosystem is positively correlated with GT’s value, and participating in platform activities is also a way to support ecosystem growth.

Key precautions during participation include:

• Experience vouchers are usually valid for 7 days; use them promptly after receipt
• All participants must be Gate verified users
• Although the financial yield is marked as fixed annualized, risks in the crypto market still exist
• Some countries/regions may be unable to participate in all activities
• Multi-account cheating is prohibited; violators will be disqualified

Market Outlook and Financial Management Trends

From a broader perspective, the dual-benefit activities launched by Gate YuBiBao reflect three development trends in the crypto financial management market:

• Product segmentation: from zero-threshold experiences to high-yield professional products, catering to different risk preferences and capital scales
• Diversified yields: in addition to traditional coin-based returns, new forms like physical rewards (gold bars) and experience vouchers are introduced
• Gamified participation: through task completion, lottery mechanisms, and other designs, increasing user engagement and interaction

As the crypto market matures, pure price speculation will no longer be the sole focus; asset management and stable income will become core needs for more investors. Innovations and improvements in products like Gate YuBiBao are a response to this market trend.

As of February 5, 2026, Bitcoin’s market share is as high as 56.80%, with Ethereum at 11.30%, indicating a clear market leader effect. In this environment, optimizing asset allocation and gaining additional returns through financial tools will be an important way for investors to enhance overall returns.

Crypto market prices fluctuate up and down, but Gate YuBiBao provides a smooth value-added channel for different needs. Whether it’s the first experience voucher obtained through Welfare Week or the interest credited after NIGHT financial settlement, both remind investors that crypto asset appreciation is not just about buying low and selling high. When the next market volatility cycle arrives, users who have already allocated some assets into financial products may find their investment portfolios more resilient.