Earn with Bitget Wallet – How to secure 2%–6% APY on your crypto
Product
If you've ever put money in a savings account, crypto earn works the same way – your idle assets generate returns for you.
The key difference is that instead of a bank, your funds are managed by smart contracts – automated programs running on public blockchains. Your "deposit" is a digital asset like USDT, and your "interest" comes from real onchain activity like lending or network validation.
With traditional savings rates stuck around 1%, onchain earn is a strong alternative –
transparent, verifiable, and with no lock-ups.
One thing to keep in mind: there's no deposit insurance in crypto. The code is the rulebook. Picking safe, proven products will always matter more than chasing the highest APY.
Here's how to find the right Earn product for you.
Where do yields come from?
Every yield has a real source – nothing comes from thin air.
Lending – you earn interest from borrowers. When you deposit stablecoins into a protocol like Aave or Venus, borrowers put up collateral (usually 150%+ of the loan) and pay interest to borrow your assets. If their collateral value drops too low, the system automatically sells it to protect your deposit.
Staking – you earn rewards for helping run the network. Blockchains like Ethereum and Solana rely on users locking up tokens to keep the network secure. In return, the network pays you with newly created tokens. This is the most fundamental type of onchain yield – no middleman or complex strategy required.
Why is Bitget Wallet Earn safe?
We believe crypto should be for everyone – so we've made it easy to earn onchain without having to research protocols, compare rates, or navigate complicated DeFi interfaces on your own.
Our approach is simple:
safety first. We only work with leading DeFi protocols across major blockchains. We're not trying to offer the highest rates out there – we focus on
steady, reliable growth with controlled risk.
Whether you're completely new to crypto or a seasoned DeFi user, there's something here for you.
Four Earn products for different needs
1. Stablecoin Earn Plus – the simplest way to start
Stablecoin Earn Plus has one goal:
make earning even easier than a savings account. Your yields start accruing within seconds, you can deposit and withdraw anytime, and there's no lock-up period. No need to understand DeFi, smart contracts, or gas fees – just deposit and earn.
Behind the scenes, it's powered by top lending protocols like Aave, with Bitget Wallet adding bonus yields on top. New users can enjoy around
4% APY.
Who is it for?
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Coming from traditional finance? You'll get better yields with an experience that already feels familiar.
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Already onchain? Let a professional platform handle the complexity – so you don't have to.
2. Stablecoin Earn – pick your own protocol
If you know the basics of DeFi and want more control, Stablecoin Earn lets you choose from multiple vetted, top-tier protocols yourself.
We only integrate protocols with significant TVL (total value locked), long operating histories, and a track record of surviving multiple market cycles.
USDT Earn: Available on Ethereum, Solana, BNB Chain, Arbitrum, and more – via Aave, Kamino, Venus, and others.
USDC Earn: Available on Base, Ethereum, Solana, BNB Chain, and more – via Aave, Kamino, Venus, and others.
Rates move with market supply and demand but stay relatively stable overall. Best for users who understand how lending yields work and want to pick their own protocol and chain.
3. Earn on other tokens – make your holdings work for you
Holding SOL, ETH, BGB, or other major tokens for the long term? Don't let them sit there doing nothing – subscribe to an Earn product and receive yield.
Your yield comes directly from network validation rewards. Your tokens help keep the blockchain running, and the network pays you back with newly issued tokens. This is the most organic form of onchain yield. We use our own nodes or trusted, long-established validators for reliability.
We currently offer:
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ETH: Subscribe with any amount via Lido – receive stETH as your receipt
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SOL: 6% APY via Solana ecosystem staking
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BGB: Bitget Wallet exclusive – fixed 5% APY
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BNB: Via Venus – ~2% APY
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TON: Via Tonstakers – 2%–4.3% APY
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HYPE: Via official nodes – ~2% APY
Good to know: While token prices move in fiat terms, the number of tokens you hold only goes up. This is ideal for long-term holders who plan to keep these assets anyway. Some tokens may have a short waiting period for withdrawals due to how staking works.
4. Earn Marketplace – for experienced users
The Earn Marketplace features a range of products built with leading project partners – including newer stablecoin yields, liquid staking options, and more.
These products generally offer
higher yield potential. Early-stage projects often add extra incentives to attract users, and Bitget Wallet users may get exclusive bonuses on top. For example, products like RLUSD and USDD often offer higher rates during their launch phase.
A word of caution: Higher yields come with higher risk. Some underlying protocols are still maturing, certain tokens may fluctuate in price or trade at a discount on redemption, and project incentives won't last forever. If you're not confident assessing a product's risk, it's probably not the right fit for now.
Best for experienced DeFi users who can evaluate protocol risk independently and are comfortable with some volatility.
How to choose
Brand new and want something simple? Stablecoin Earn Plus. Just subscribe and earn – works like a savings account with flexible withdrawals. ~4% APY.
Know some DeFi and want options? Stablecoin Earn. Choose from Aave, Kamino, Venus, and more. ~3.5%–5%+ APY.
Holding major tokens long-term? Earn on other tokens. Subscribe and earn native network rewards. ~2%–10% APY.
DeFi-savvy and open to more risk? Earn Marketplace. Access early-stage project incentives for potentially higher returns.
No matter what you choose, one rule always applies:
don't put everything into a single product or protocol. Spreading your assets across a few options is almost always the smarter move.
Why Bitget Wallet?
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Security: We work with top DeFi protocols and back your subscriptions with a $700 million protection fund.
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Simplicity: Designed so anyone can use it – even if you've never tried crypto before.
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Flexibility: Most products let you deposit and withdraw instantly, with yields accruing every second.
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Variety: From stablecoins to major tokens to advanced strategies – there's something for every risk level.
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Bonus yields: We regularly run campaigns that boost your returns even further.
Don't let your crypto sit idle. Open the "Earn" page, pick a product, and let your assets start working for you.
This article is for educational purposes only and does not constitute investment advice. Crypto investing carries risk – please make decisions based on your own circumstances.
About Bitget Wallet
Bitget Wallet is an everyday finance app designed to make crypto simple, secure, and usable in daily life. Serving over 90 million users worldwide, it offers an all-in-one self-custodial platform to send, spend, save and invest crypto. The app is powered by Onchain Payments Matrix, a coordination infrastructure connecting global financial rails to enable stablecoin payments at scale and programmable settlement for AI-driven transactions. Users can access crypto cards, QR payments, bank transfers, on- and off-ramps, and an in-app marketplace to spend digital assets across online and offline merchants. Backed by a $700 million user protection fund, Bitget Wallet supports faster, borderless onchain finance while ensuring users retain full control of their assets and private keys.
2026-04-09
Stablecoin Earn Plus: Earn Up to 10% APY with Flexible Withdrawals
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