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Stablecoin transaction volume hit a record of $33T in 2025, up 72% YoY! @circle's $USDC led with $18.3T, followed by @tether's $USDT at $13.3T. A massive step toward digital finance adoption. 💪

As the crypto industry matures, yield products are no longer judged solely by headline APRs. Sustainability, transparency, and infrastructure design have become the real differentiators. Bitget’s On-Chain Earning initiative reflects this shift clearly—it is less about marketing yield and more about building a long-term CeDeFi framework that can scale responsibly. Rather than launching a standalone product, Bitget has positioned On-Chain Earning as part of a broader roadmap toward becoming a universal financial platform—one that bridges centralized usability with decentralized execution. --- Strategic Context: Why Bitget Is Moving On-Chain Now The timing of this initiative is deliberate. Over the past cycle, users learned two hard lessons: 1. Centralized yield without transparency carries structural risk 2. Pure DeFi, while transparent, remains inaccessible to most users Bitget’s On-Chain Earning sits at the intersection of these lessons. It does not attempt to replace DeFi protocols, nor does it obscure on-chain activity behind opaque balance sheets. Instead, it integrates best-in-class infrastructure into a centralized interface that most users already trust and understand. This approach signals a roadmap built around gradual decentralization, not abrupt migration. --- Partner Selection: Why Morpho and Arbitrum Matter Bitget’s choice of partners reveals more than any marketing statement. Morpho: Institutional-Grade DeFi Logic By integrating with Morpho, Bitget aligns its yield generation with a protocol known for capital efficiency and transparent risk parameters. Morpho is not a high-risk experimental protocol—it focuses on optimizing lending markets rather than reinventing them. This choice suggests that Bitget prioritizes yield sustainability over speculative returns, which is critical for a product designed to attract long-term stablecoin holders. --- Arbitrum: Scalability Without Compromise Deploying on Arbitrum addresses two core challenges at once: cost and speed. Arbitrum provides: Low transaction fees Ethereum-level security assumptions Mature DeFi liquidity From a roadmap perspective, this positions Bitget to scale on-chain participation without exposing users to unpredictable gas costs or network congestion. --- The UID-Linked Address System: Infrastructure, Not a Feature One of the most important design decisions in this initiative is the unique UID-linked on-chain address for each user. This mechanism is not cosmetic. It serves three long-term objectives: 1. Asset segregation by design, reducing systemic risk 2. On-chain auditability, enabling real verification rather than trust-based accounting 3. Future composability, allowing Bitget to expand into additional on-chain products using the same identity layer From an infrastructure standpoint, this is foundational work. It suggests that On-Chain Earning is not an isolated experiment but a building block for future CeDeFi services. --- Platform-Covered Gas Fees: A Strategic User Acquisition Move Covering gas fees is often framed as a convenience feature, but strategically, it does more than that. It removes the single biggest psychological barrier to DeFi adoption: No need to manage native gas tokens No fear of failed transactions No cost uncertainty By abstracting this complexity, Bitget effectively normalizes on-chain participation for users who would otherwise remain passive. This aligns with a long-term adoption roadmap rather than short-term yield chasing. --- Team Direction and Execution Philosophy While Bitget does not position On-Chain Earning around individual personalities, the execution reflects a team with experience in both centralized risk management and decentralized protocol design. Key indicators of mature execution include: Conservative asset scope (USDT / USDC only) Focus on transparency before expansion Controlled leverage absence (no hidden yield amplification) These choices point to a team prioritizing reputation durability over rapid TVL growth—a rare but necessary mindset after multiple industry-wide failures. --- Roadmap Implications: What This Initiative Signals Viewed holistically, Bitget On-Chain Earning signals several likely roadmap directions: Expansion into additional vetted DeFi protocols Broader CeDeFi product stack using UID-based asset isolation Deeper integration between trading, earning, and on-chain liquidity Rather than competing directly with pure DeFi or traditional finance, Bitget appears to be positioning itself as an execution layer—where users interact with complex systems through simplified, regulated workflows. --- Final Assessment Bitget On-Chain Earning is best understood not as a yield product, but as a strategic infrastructure initiative. Its design choices—partner selection, asset isolation, gas abstraction, and conservative scope—suggest long-term thinking rather than campaign-driven incentives. In an industry still rebuilding trust, this approach matters. If Bitget continues to expand this framework with the same discipline, On-Chain Earning could become a foundational pillar of its universal exchange vision—not because it offers the highest yield, but because it offers the most sustainable path to on-chain participation.

How to Participate in Bitget On-Chain Earning 1. Experience the Product Visit the Bitget On-Chain Earn page via Bitget Earn → Staking and subscribe to USDT / USDC On-chain Earn products to understand how the system works in real time. 2. Post on the Bitget Community Publish an original, detailed post or review explaining your experience, observations, and understanding of the product. Key Insights & Content Explanation 1. Yield Comparison with Traditional Finance Bitget On-Chain Earn offers up to 12% APR on USDC and 7% APR on USDT, which is significantly higher than traditional bank savings or fixed-income products. Unlike traditional wealth management, returns are generated through DeFi protocols, offering better efficiency and transparency. 2. Asset Isolation & Transparency Each user receives a unique UID-linked on-chain address, meaning: Funds are fully isolated Transactions are 100% on-chain Users can independently verify activity on the blockchain This removes uncertainty and increases trust compared to pooled or opaque systems. 3. Platform-Covered Gas Fees One major barrier for DeFi beginners is gas fees. Bitget simplifies this by covering gas fees, allowing users to enjoy DeFi benefits without worrying about transaction costs or technical setup. 4. Real-Time Interest & Flexibility Interest accrues second-by-second, and users can: Subscribe instantly Redeem at any time Enjoy flexible terms similar to traditional savings, but with higher yields Key Product Highlights High Yield: Up to 12% APR (USDC) and 7% APR (USDT) Revolutionary Address Mechanism: Unique on-chain address per user CeDeFi Experience: Access top-tier Arbitrum DeFi protocols easily Instant & Flexible: No lock-ups, real-time interest accrual Beginner-Friendly: No private key management or gas fee worries

$USDC Stablecoins just went fully mainstream. Visa-linked Rain raises $250M at a $1.95B valuation after 30x card growth in 2025 🔹 USDT & USDC spending anywhere Visa is accepted 🔹 Live across Ethereum, Solana, Tron, Stellar 🔹 Expanding to Americas, Europe, Asia & Africa This isn’t crypto “coming soon” — this is payments infrastructure at global scale. Stablecoins aren’t the future of money. They’re the rails now.

CeDeFi is something I see as a practical answer to a long-standing problem in crypto. Most people want access to DeFi yields, but many do not want to deal with private keys, gas fees, or complicated wallet steps. Bitget’s collaboration with Morpho and Arbitrum shows how this gap can be closed in a real and usable way. Users can earn from on-chain activity while still operating through a familiar exchange interface. Each user is assigned a unique on-chain address linked to their UID, which keeps assets separate and verifiable while removing the usual technical stress. It quietly makes DeFi easier to access without changing how it truly works underneath. Once funds are deployed, the returns come from real activity on Arbitrum-based protocols. The yield is not fixed or artificially maintained. It moves based on liquidity demand and actual usage on the network. Rates like up to 12 percent APR for USDC and around 7 percent for USDT stand out, but what matters more is how they are presented. They are clearly variable and tied to market conditions. This makes it easier to understand that the yield is earned through participation, not promised as something guaranteed. Over time, the way interest builds also reflects this realistic structure. Interest is calculated every hour and automatically compounded. When you look at the profit history, you often see small changes from hour to hour. At first, this can look confusing, but it simply reflects changing utilization and rates within the pools. When you step back and look over days or weeks, those small hourly gains begin to add up in a meaningful way. It shows that yield here is gradual, steady, and earned through structure rather than sudden spikes. Transparency is maintained throughout the process without forcing users to manage technical details themselves. Profit records are clear, APRs are visible, and users can follow how returns are generated. At the same time, the platform handles gas fees and on-chain execution in the background. Assets can be redeemed flexibly, and both principal and interest move back to the spot account smoothly. This balance keeps the system open and observable without making it difficult to use. It is also important to be clear about risk. DeFi Earn is not principal-guaranteed. There are real risks involved, including smart contract issues, protocol failures, and possible liquidity limits during extreme market events. These risks are not hidden. They exist alongside the higher yield, which reinforces the idea that on-chain returns always come with exposure. This honesty removes the false sense of safety that sometimes surrounds yield products. When everything is viewed together, Bitget’s approach feels less like a reinvention of DeFi and more like a careful entry point into it. Asset isolation, hourly compounding, transparent yield tracking, and flexible access all work together to create a controlled way to engage with on-chain earning. $USDC $MORPHO