In the increasingly sophisticated management of digital assets by 2026, how to keep idle 100,000 USDT liquid while achieving steady growth is a core concern for every investor. Currently, the market mainly offers two types of stable return products: one-stop financial management on exchanges represented by Gate's Yu Bi Bao, and on-chain USDT savings stablecoin pools. These two options differ significantly in their yield mechanisms, risk profiles, and operational thresholds.
Based on the latest data as of February 28, 2026, from Gate's market prices, this article will provide a comprehensive breakdown of the optimal allocation of 100,000 USDT across four dimensions: yield calculation, liquidity, security mechanisms, and Gate's latest promotional activities.
Yield Gap: From 3% to 6.8%
On-Chain USDT Savings Status
Represented by Aave, Compound, and others