Many people's accounts actually always hold two types of funds.

One is for trading.
The other is mostly just sitting idle.
USDT remains inactive.
Occasionally switching positions.
Or buying some gold assets for long-term allocation.
The problem isn't that there's no money, but that these funds aren't being utilized.
Recently, I looked at the Earn section on Bybit, and there are actually several typical configuration methods, with a pretty clear structure: stablecoins, on-chain strategies, gold assets, and so on.
First, let's talk about Mantle Vault.
It is an on-chain yield product based on Mantle Network, which can be directly participated in on Bybit. Many people still have a complicated impression of DeFi — needing cross-chain operations, finding protocols, assembling strategies themselves. The logic of Vault is to bundle these steps into one product, where users only need to deposit assets, and the strategy will automatically participate in on-chain yield sources, such as lending or stable income strategies. Currently, the annualized return is about 8% APY, which is a typical on-chain strategy yield.
For those who hold stablecoins long-term and sometimes need to trade, BYUSDT might be more straightforward.
Many accounts tend to hold some USDT long-term, which remains completely idle when not trading. Products like BYUSDT essentially provide a yield outlet for stablecoins, with a maximum annualized return of 10% APY, without affecting your trading needs. The operation is simple and doesn't require extra hassle with asset structures.
On the other side, there's gold asset allocation.
A common on-chain option is Tether Gold, which is a token anchored to the physical gold price. Some people treat it as a digital gold allocation.
But on Bybit, you can participate in yield strategies through XAUT Stake, with an approximate annualized return of 10% APY.
The logic is simple: you hold exposure to gold prices while also earning some yield.
If you want to participate in these products, you don't need to study too many procedures.
Log in to your Bybit account, go to the Earn / Wealth Management page, and you'll see products like Mantle Vault, BYUSDT, or XAUT Stake. Select the corresponding asset, deposit, and you're done — most of it is completed within the platform.
Of course, we can't ignore some risks.
For example, gold tokens are pegged to gold prices, which are not stable, so it's important to understand the risks before participating.
But from a fund management perspective, aside from trading, putting some assets into stable income or strategy products is already a common choice for many people, and you can participate appropriately.
Links:
New user registration:
#XAUT #Mantle #理财 #BybitEarn