How does Gate YuBi Bao coordinate with the Flash Exchange feature? A complete solution for zero-cost currency conversion aiming for higher returns

Bitcoin (BTC) prices have recently been oscillating around the $90,000 mark, with many investors holding mainstream assets while seeking more efficient asset utilization methods. At this moment, a savvy strategy is to deposit idle assets into Gate’s YuBiBao to earn interest and use the Flash Swap feature to adjust asset allocations with zero fees, aiming for higher potential returns.

Product Foundation: The Core Mechanisms of Gate’s YuBiBao and Flash Swap

In the crypto world, idle assets mean opportunity costs lost. Gate’s two fundamental features—YuBiBao and Flash Swap—provide critical gears for efficient asset operation.

Gate’s YuBiBao is essentially a flexible crypto asset yield tool. It supports over 800 tokens, allowing users to deposit idle digital assets to earn interest. Its core appeal lies in flexibility: users can choose current products for instant deposit and withdrawal with daily interest settlement, or select 7-day, 14-day, or 30-day fixed-term products to lock in higher annualized yields.

On the other hand, Flash Swap is Gate’s one-click token exchange channel. Its main features are convenience and controllable costs. According to official statements, users can quickly convert different cryptocurrencies within their spot accounts via Flash Swap, with the system automatically quoting and settling prices, incurring no additional fees. This removes friction costs when adjusting asset portfolios.

Strategic Logic: Why Combining Both Can Generate Higher Returns?

Using either feature alone offers convenience, but combining them creates a dynamic, efficiency-maximizing crypto asset management loop. The core logic addresses two key contradictions: the trade-off between yield and liquidity, and opportunity cost versus conversion cost.

In traditional finance, high yields often come with low liquidity. But through YuBiBao’s current or short-term fixed products, users can maintain high liquidity while earning stable returns. When a new high-yield opportunity arises (e.g., a small token’s annualized rate surges), the traditional approach is to sell holdings, pay transaction fees, and buy the target asset again.

Now, users can first deposit idle A tokens into YuBiBao to earn interest. When the time is right, they can directly use the Flash Swap feature to convert A tokens into B tokens with higher yield potential, without fees, and immediately deposit B tokens into the corresponding YuBiBao product. This strategy is especially suitable for the current volatile market environment. Taking Bitcoin (BTC) as an example, with the current price falling to $89,432.6, a slight 0.65% decrease over 24 hours, and a market cap of $1.78 trillion with a 56.49% dominance, BTC shows a short-term correction after a high-level oscillation. During this phase, relying solely on spot holdings limits returns and exposes to short-term volatility risks.

By depositing part of BTC into YuBiBao, you can earn interest during consolidation; once you identify opportunities in other sectors (like ecosystem governance tokens), you can quickly use Flash Swap to shift some BTC holdings, capturing rotation opportunities.

Practical Steps: Step-by-Step Guide and Scenario Application

After understanding the strategic logic, let’s break down how to seamlessly combine these two features in actual operations. The entire process can be easily completed on the Gate App or web platform.

Scenario: You hold 1 Ethereum (ETH), currently valued at about $2,945.28. You believe ETH will consolidate in the short term, and notice that the platform token GT in YuBiBao offers attractive fixed-term annualized yields.

Step 1: Deposit into YuBiBao to earn immediate interest

Open the Gate App, tap【Finance】at the bottom navigation, then go to【YuBiBao】. Find ETH in the list, select a current or suitable fixed-term product, enter the amount, and confirm the purchase. Your ETH will start earning interest immediately.

Step 2: Enable Flash Swap to convert assets at zero cost

When you decide to convert part of your ETH gains into GT for higher yield, there’s no need to redeem and repurchase. Simply find【Flash Swap】 on the Gate trading page.

In the “Spend” section, select ETH; in the “Receive” section, choose GT; enter the amount you want to swap. The system will display an estimated amount of GT you will receive in real-time. Confirm the exchange, and the assets will be transferred instantly within your spot account.

Step 3: Lock in higher yields and complete the cycle

The GT obtained from Flash Swap will arrive in your spot account. Now, go back to【YuBiBao】, find GT’s financial products (usually available as current or various fixed-term options), and deposit the exchanged GT to start enjoying higher annualized yields from GT investments.

Key note: The Flash Swap price is based on the spot order book and may have slight differences (buy slightly higher, sell slightly lower), which are implicit costs, but no extra fees. Before any operation, carefully review the exchange amount and rate in the preview.

Market Perspective: Strategic Thinking Based on Current Market Conditions

Any effective strategy must be viewed within the current market environment. According to Gate’s market data as of January 23, 2026, the crypto market shows some structural features that inform our portfolio approach.

Bitcoin (BTC) dominates over 55% of the market cap, with a price around $89,432.6. This strong but potentially consolidating phase is an ideal time to transfer some BTC assets into YuBiBao for interest earning, hedging sideways risk and generating cash flow. Meanwhile, platform ecosystem tokens like Gate’s GT, priced around $9.88, tend to show higher price elasticity and yield potential during special exchange promotions or high-yield financial offerings.

Through the combination of YuBiBao and Flash Swap, you can convert a portion of the stable interest earned from mainstream coins (like BTC, ETH) into assets like GT at the right moment, participating in high-yield investments or ecosystem activities, capturing alpha outside of mainstream coins. This dynamic asset rebalancing allows you to move from passive holding of a single asset to building a crypto portfolio with a core stable yield (mainstream coins in YuBiBao) plus satellite opportunities (high-yield financial products after Flash Swap).

For example, when a user completes a Flash Swap from ETH to GT on the Gate App and immediately deposits GT into a 14-day fixed-term YuBiBao product, the numbers on the screen are not just a single operation. They connect a 5% annualized ETH current account and an 8% (or higher) annualized GT fixed-term account. No trading fees, no idle funds, only a continuous engine of crypto asset appreciation.