Gate Residual Coin Treasure Configuration Guide: Fund Allocation Ratios and Optimal Deposit Strategies

In digital asset management, balancing returns and liquidity is a core concern for every investor. Gate’s Yu Bi Bao, as a flexible and low-threshold financial tool, allows users to deposit idle assets like USDT, BTC, ETH, and earn yields. However, the amount of funds deposited and how they are allocated directly impact the efficiency of fund utilization, especially amid varying market risk appetites and ongoing promotional activities.

Based on Gate market data as of February 27, 2026, this article offers objective allocation logic and distribution suggestions from the perspective of fund efficiency, helping you better plan your participation strategy in Yu Bi Bao.

Understanding Gate Yu Bi Bao: The Balance Between Liquidity and Returns

Before deciding how much to deposit, it’s important to clarify the positioning of Gate Yu Bi Bao. It is not a high-yield, high-risk product but a capital parking platform. When you deposit assets into Yu Bi Bao’s flexible products, the system automatically connects these assets to the platform’s lending market, matching them with borrowers seeking leverage, thus generating interest.

Its core value lies in solving the “opportunity cost” of funds. Idle funds that previously only sat in spot accounts can now be deposited and withdrawn at any time, earning daily interest while maintaining high liquidity. According to Gate market data as of February 27, 2026, mainstream assets like BTC are priced at $67,207.3, ETH at $2,016.27, with overall market sentiment neutral to cautious. In this environment, managing idle positions through Yu Bi Bao is a prudent choice.

Core Allocation Logic: A Three-Tier Approach Based on Fund Use

Deciding how much to deposit into Gate Yu Bi Bao depends not on “how much you can earn” but on the purpose and duration of the funds. It is recommended to categorize your crypto assets into three dimensions:

Daily Trading Funds

This portion is for short-term trading and capturing market opportunities. Due to market volatility, this segment demands the highest liquidity. It’s advised to allocate 30%-50% of this fund into Yu Bi Bao’s flexible products. For example, BTC’s 24-hour low is $66,507, and high is $68,854.9, with significant fluctuation. Depositing idle funds for dips allows for quick redemption and passive income during waiting periods, preventing complete idleness.

Medium-Term Stable Allocation

For assets planned to hold for 1-3 months without frequent trading (such as platform tokens like GT or mainstream holdings like ETH), consider placing them into short-term fixed products (e.g., 7 or 14 days). Currently, GT market sentiment is optimistic, priced at $7.13, and holding GT can also benefit from Yu Bi Bao’s position growth plans. Depositing these assets into fixed-term products usually yields higher annualized returns than flexible products, enhancing long-term holdings.

Long-Term Core Holdings

For major assets like BTC and ETH intended as long-term positions, avoid locking all into fixed-term products. Instead, allocate 20%-40% of these holdings to participate in the latest Yu Bi Bao activities, such as earning bonus interest coupons or engaging in physical gold cashback promotions. These allow you to earn extra returns without additional risk, leveraging idle positions.

Optimizing Allocation Based on Latest Gate Promotions

Fund allocation is not static. Gate’s latest activities offer opportunities to boost short-term yields. You can adjust your investment ratios dynamically according to promotional rules. As of February 27, 2026, notable activities include:

New User Experience Funds

If you’re a first-time user, you can take advantage of the exclusive 100% annualized experience plan. The subscription limit is usually around 500 USDT. It’s recommended to participate fully during this phase—not only to earn short-term high yields but also to familiarize yourself with the full process of subscription, interest accrual, and redemption at low cost.

Interest Coupon Utilization

During promotions, USDT 2% interest coupons are often available for use on 7-day fixed products within a 2,000 USDT limit. If your main trading assets are BTC or ETH, consider allocating 2,000 USDT specifically for this activity. This is a stablecoin allocation separate from your main holdings, aimed at capturing guaranteed interest gains.

Amplifying Gains from GT Holdings

If you hold GT (currently circulating supply 108.95 million GT), this should be factored into your allocation. Holding a certain amount of GT (e.g., 1,000 tokens) can increase your overall Yu Bi Bao account yield. For GT holders, transferring more idle funds (USDT or BTC) into Yu Bi Bao can benefit from compound effects—GT’s yield boost amplifies returns across all deposited assets.

Large Funds and Physical Gold Rewards

For larger sums (e.g., planning to participate in 30-day fixed products to unlock up to 30g of pure gold), consider opportunity costs carefully. For example, 30g of gold is roughly equivalent to 4,680 USDT. If your total funds are substantial, ensure that after deducting the baseline returns during the lock-up period, the combined value of gold and interest still exceeds what you’d earn from flexible accounts, before making large allocations.

Market Data Perspective: Current Market-Based Allocation Reference

Based on Gate market data as of February 27, 2026, here’s a rational view of allocation ratios:

• Bitcoin (BTC): Price at $67,207.3, 24h trading volume $1.16 billion. Market share is 55.37%, but the 24h price change is -1.71%. This indicates resilience but short-term uncertainty. BTC holders may prefer to keep recent dips in Yu Bi Bao’s flexible products to avoid missing potential rebounds.

• Ethereum (ETH): Price at $2,016.27, with a “not optimistic” sentiment rating and a 2.06% decline in 24h. If you believe in ETH’s long-term value but don’t want to add more short-term, consider depositing ETH into Yu Bi Bao to earn coin-based yields, reducing average cost basis.

• Gate Token (GT): Price at $7.13, with a “positive” sentiment. As a core platform token, holding GT is not only an investment but also a key to accessing financial benefits. GT holders should consider using Yu Bi Bao as a foundational tool to maximize yield benefits, reflecting GT’s value in financial management.

Risk Awareness and Liquidity Management

Regardless of your allocation, it’s crucial to remember: Yu Bi Bao is not a guaranteed principal deposit. Its returns come from the lending market, which involves risks from market interest rate fluctuations and liquidity.

• Avoid full allocation: Even though Yu Bi Bao supports quick redemption, it’s wise to keep some funds in spot accounts to handle extreme market conditions. A recommended maximum allocation is 70% of your idle funds.

• Pay attention to redemption rules: Flexible products support real-time redemption, with funds arriving instantly in your spot account. For fixed-term products or promotional activities, be aware that early redemption may forfeit rewards or reduce yields.

Conclusion

The optimal amount to deposit in Gate Yu Bi Bao depends on your dynamic fund use. Use flexible products to activate trading reserves, fixed products to enhance medium-term holdings, and leverage latest promotions to earn extra returns on idle assets. With BTC around $67,207.3 and ETH near $2,016.27, effectively utilizing tools like Yu Bi Bao can help you find a better balance between liquidity and yield, tailored to your individual needs.