Gate Leftover Coin Treasure: How Are Returns Calculated? Daily Interest Formula and Arrival Time

In crypto asset management tools, YuBiBao has become the preferred choice for many users to manage idle funds, thanks to its flexible deposit-withdrawal feature and daily compound interest earning mode. But how exactly are the earnings calculated? When are daily interests credited? These core questions directly relate to the actual growth efficiency of your funds. This article will systematically analyze Gate’s YuBiBao operation mechanism from three perspectives: the earnings calculation formula, interest settlement rules, and key factors affecting returns, helping you clearly understand the daily profit calculation method.

What is YuBiBao

YuBiBao is a flexible investment tool launched by Gate, designed to help users activate idle assets in their accounts. After depositing assets like USDT, BTC, ETH, etc., into YuBiBao, the system automatically connects them to Gate’s built-in lending market, matching borrowers with leverage needs. Users, as lenders, earn corresponding interest income.

The core mechanism of YuBiBao can be summarized with three keywords: flexible deposit-withdrawal, daily interest calculation, and compound interest rolling over. Funds can be redeemed at any time to the spot account without affecting trading opportunities; interest is automatically settled daily and credited to the principal the next day, allowing for “interest on interest” growth.

Daily Earnings Calculation Formula for YuBiBao

The earnings calculation logic of YuBiBao is transparent and straightforward, using simple interest with daily reinvestment. The daily earnings are calculated as follows:

Daily Earnings = Current Principal × (Daily Annualized Rate ÷ 365)

Where:

• Current Principal: The total amount of assets held by the user in YuBiBao, including accumulated interest
• Daily Annualized Rate: Fluctuates in real-time based on market lending demand; the latest annual rate can be viewed on the Gate YuBiBao page

Example: Daily earnings for depositing 10,000 USDT

Suppose a user deposits 10,000 USDT into YuBiBao, with a current daily annualized rate of 5.2% (a typical recent median):

• Daily Earnings = 10,000 × (5.2% ÷ 365) ≈ 1.4246 USDT
• Monthly Earnings (compound estimate): After 30 days of compounding, approximately 42.85 USDT
• Annual Earnings (compound estimate): After 365 days, approximately 533.60 USDT

Comparison of daily earnings at different annualized rates (based on 10,000 USDT principal):

When Are Daily Interests Credited and Settlement Rules

Understanding when earnings are credited helps users better manage liquidity. The settlement rules are as follows:

Interest Start Time

After successful subscription, interest typically starts accruing from the next full hour. The system uses an hourly cutoff mechanism to determine if assets are successfully lent out during that hour. If assets are successfully lent at hour T, interest for the period T to T+1 is credited at T+1.

Interest Settlement

The system automatically settles the previous day’s interest daily at 00:00 (UTC+8). The settled interest is automatically added to the principal, which then participates in the next day’s earnings calculation, enabling compound growth.

Redemption Rules

YuBiBao supports real-time redemption. When a user initiates a redemption, the principal and any settled interest are immediately transferred to the spot account. If there are many redemption requests, the platform processes them sequentially. During this period, funds continue to accrue interest.

Key Factors Influencing YuBiBao Earnings

Market Lending Demand Determines the Annual Rate Fluctuation

The annualized yield of YuBiBao varies with market lending demand and is not fixed. As of March 26, 2026, data from Gate shows:

• Bitcoin (BTC): Price $71,244, 24h trading volume $680.74M, market share 55.94%
• Ethereum (ETH): Price $2,165.15, 24h trading volume $356.83M, market share 10.29%
• GT (Gate Token): Price $6.75, 24h trading volume $517.77K, market share 0.03%

In this environment, the estimated current annualized yield ranges are:

Activity Mechanisms to Boost Returns

In addition to basic yields, Gate periodically launches activities to further increase actual returns:

• New User Exclusive: Users who have never used YuBiBao can participate in a 3-day USDT fixed-term investment, enjoying up to 100% annualized yield (subscription limit 500 USDT)
• GT Holding Bonus: Users holding over 1,000 GT can receive an extra boost (+0.3%) on their entire YuBiBao account’s current yield
• Interest Coupon Exchange: Earn points through participation in financial carnival tasks to exchange for interest coupons ranging from 1% to 5%

Yield Differences Between Spot and Fixed Products

YuBiBao offers both flexible (spot) and fixed-term products to meet different capital usage needs:

Fixed products typically offer lock-in periods of 7, 14, 30, 45, 60, 90 days, with yields confirmed at purchase and unaffected by subsequent market fluctuations.

How to Maximize YuBiBao Earnings

Timing Your Subscription

Since interest accrues on the hour, it’s recommended to complete subscriptions just before the hour to ensure funds start earning as soon as possible. Redeeming before the hour cutoff will forfeit interest for that hour.

Use of Interest Coupons and Activity Benefits

Stay updated on Gate YuBiBao activities, claim interest coupons, participate in new user benefits, or financial carnival tasks to significantly boost short-term yields.

Holding GT for Additional Gains

Holding a certain amount of Gate Token (GT) not only benefits from its price movements but can also grant extra yield bonuses for your YuBiBao account, creating a win-win for platform ecosystem and users.

Layered Fund Allocation

Users can split funds based on usage cycles: keep short-term reserves in YuBiBao for flexible earnings and liquidity, while allocating long-term idle funds to fixed products for higher, more certain returns, balancing capital efficiency and yield goals.

Conclusion

Gate’s YuBiBao offers a transparent earnings calculation mechanism, providing crypto holders with a flexible and steady passive income source. Mastering the core formula “Daily Earnings = Principal × (Annualized Rate ÷ 365)”, understanding the 00:00 (UTC+8) interest settlement and real-time redemption rules, and leveraging platform activities and GT holding bonuses can effectively activate idle assets, allowing your funds to grow continuously while waiting for trading opportunities.

Log in to Gate now to view real-time annualized rates and start your compound growth journey with YuBiBao.