Bear Market Cash is King: How Gate's YuBiBao USDT Can Become Your Hedging Option and Opportunity Seizer

The recent cryptocurrency market has once again staged a heartbeat rally. Just recently, Bitcoin experienced a sharp plunge, briefly touching the $60,000 mark, then rebounding to around $70,743.1. Within just 24 hours, over 91,400 investors were liquidated due to extreme market volatility.

Amid this turbulence, a traditional investment wisdom has once again proven its value—“Cash is King.” For the crypto market, stablecoin USDT is the modern embodiment of this strategy, and Gate’s YuBiBao provides investors holding USDT with a solution that both hedges risk and keeps funds active.

Market Volatility: The New Bear Market Normal Prioritizing Survival

Recent market movements have provided all participants with a vivid risk education. According to Gate Market Data, as of February 9, 2026, Bitcoin’s price was $70,743.1, with significant intraday fluctuations. This volatility is not an isolated event; since the beginning of this year, the cryptocurrency market has been on a downward trend. From a higher perspective, some analysts believe the market may be facing structural adjustments, with opinions suggesting Bitcoin’s price could enter a downtrend.

In the context of increasing market uncertainty, the traditional financial strategy of “Cash is King” becomes especially valuable. The core of this approach is to preserve liquidity, avoid forced liquidation during downturns, and reserve “ammunition” for potential future investment opportunities.

Hedging Choice: Why Gate’s YuBiBao Is the Ideal Habitat for “Digital Cash”

In the crypto realm, the “Cash is King” strategy naturally extends to “Stablecoins are King.” Gate’s YuBiBao is precisely tailored for this strategy. As Gate’s core flexible wealth management tool, YuBiBao’s value goes far beyond “holding coins to earn interest,” evolving into an efficient “funding buffer pool.”

YuBiBao’s design philosophy aligns with modern investors’ dual needs: security and yield. Its operation involves using user-deposited assets for platform lending activities, providing liquidity support for the platform, and returning generated interest as profit to users. This model has particular value in a bear market. When market direction is unclear and risks are heightened, converting assets into USDT and depositing them into YuBiBao is akin to finding a safe harbor for funds while still generating returns.

Core Advantages: How YuBiBao Balances Safety, Liquidity, and Yield

The reason Gate’s YuBiBao is a preferred choice in bear markets stems from its three core advantages. First is the balance between flexibility and security. YuBiBao supports instant deposits and withdrawals, covering nearly a thousand assets including BTC, ETH, USDT, and GT.

Particularly noteworthy is its “Auto Earn” feature, which automatically scans spot accounts at a fixed daily time, transferring idle assets into YuBiBao to earn current yields. This means investor funds are almost never idle without purpose.

Second is its attractive yield potential. According to official Gate information, YuBiBao currently manages over $2.3 billion in funds, with USDT flexible products offering an annualized yield of up to 12.5%. For investors seeking stable returns, this figure is especially valuable in a bear market.

Finally, the product’s diversity. YuBiBao not only offers flexible wealth management but also supports various fixed-term options, such as 7 days, 14 days, 30 days, etc. Users can flexibly choose different durations based on their funds’ arrangements and market outlooks to maximize returns.

Fund Strategy: How to Build a Personal “Defense Fortress” with YuBiBao

In a bear market, a clear and structured fund management strategy is crucial. Based on YuBiBao’s features, investors can build a layered asset management system, dividing investable funds into three strategic tiers.

The first layer is the emergency liquidity layer, recommended to be about 20%-30% of investable funds. This portion should be fully placed into Gate’s YuBiBao flexible product, serving as a “strategic reserve” for immediate access, used to respond to sudden market opportunities or rebalancing needs.

The second layer is the core appreciation layer, about 60%-70%. This portion can be allocated across Gate’s fixed-term wealth management products (such as 7-day, 30-day) based on market judgment and personal plans, locking in higher and stable yields.

The third layer is the opportunity capture layer, about 10%. This portion can also be stored in YuBiBao’s flexible account but has a more aggressive mission—specifically for medium- to long-term positioning or short-term swing trading during significant market pullbacks.

This layered strategy is not static; it requires dynamic adjustment according to market phases. For example, during increased volatility and uncertain directions, it’s advisable to expand the “buffer pool” (i.e., YuBiBao flexible account); when the market trend becomes clearer, increase the proportion of fixed-term wealth management in the core appreciation layer.

Latest Opportunities: How to Participate in YuBiBao’s Welfare Week Activities

Allocating funds into Gate’s YuBiBao not only yields basic annualized returns but also allows flexible participation in various limited-time activities launched by the Gate platform to earn extra rewards. Currently, the “YuBiBao Welfare Week” event is a prime example.

From February 3 to February 10, 2026 (UTC+8), users who register will receive a 10 USDT position experience coupon. More importantly, during the event, investing in wealth management via YuBiBao grants a 100% chance to win prizes through a lottery. Prizes include gold bars, cash rewards, interest rate coupons, and fee cashback coupons. The more you invest, the more lottery entries you get. For users using YuBiBao as a funding buffer, this means that funds stored in the pool not only earn interest but also gain additional chances to participate in high-value lotteries.

Mainstream Assets: Diversified Allocation References in YuBiBao

Although USDT remains the core of the “Cash is King” strategy in a bear market, YuBiBao’s functionality extends far beyond that. It supports nearly a thousand assets, including mainstream cryptocurrencies, offering investors diversified allocation options.

For example, Bitcoin (BTC), with a market cap exceeding $1.41 trillion, acts as a “ballast” asset. Its price fluctuations directly influence market sentiment. Storing some BTC in the buffer pool can help offset part of the holding’s time cost while maintaining core holdings.

Ethereum (ETH), priced around $2,091.17, is central to many DeFi and cross-chain activities. For investors involved in these ecosystems, depositing idle ETH into the buffer pool is a wise choice to keep assets “working” while waiting for specific interaction opportunities.

GateToken (GT), the platform’s ecosystem token, is currently priced at about $7.03. Holding GT and depositing it into YuBiBao not only earns wealth management returns but also grants ongoing platform fee discounts and other benefits, achieving dual appreciation of ecosystem rights and investment income.

Amid intense market fluctuations, over 90,000 investors faced liquidation within 24 hours, while others used Gate’s YuBiBao to ensure every USDT is safely generating returns. When Bitcoin fluctuates between $68,970.1 and $72,289.9, the funds stored in YuBiBao are accumulating subtle but certain returns hour by hour. Whether it’s a sudden bottom-fishing opportunity or a new project launch, this “digital cash” buffer pool ensures investors have “ammunition” ready at any time. While waiting for clearer market signals, keeping funds active rather than idle—this may be the most pragmatic and wise choice in the current market environment.