Crypto savings, like stablecoins and crypto-earning products, provide high yields and financial freedom, making them ideal for building generational wealth.

Life can be unpredictable. Job losses, medical bills and emergencies may throw our financial plans off course. That’s why having a dedicated savings buffer is so important. It provides stability, peace of mind and the flexibility to handle tough times. While investments can offer higher returns, savings give you security and easy access to funds when you need them most without the risk of selling assets at a loss. More importantly, saving helps build financial discipline, curbing impulsive spending and setting the foundation for long-term goals. This article explores an additional way to save and build generational wealth — via cryptocurrency.

Although traditional investments, such as high-yield stocks or digital currencies, offer better returns than savings, regular savings pursue a different objective. They build a reliable foundation while providing immediate liquidity and preserving purchasing power when markets are volatile. In addition, they allow you to take advantage of opportunities or address essential needs, serving as a buffer that complements long-term investments and reduces overall financial risk.

Cultivating the habit of saving instills discipline and long-range planning. It transforms short-term financial behavior into a powerful strategy for achieving future goals, whether funding education, launching a business or preparing for retirement. A dedicated savings plan reinforces the idea that financial control starts by prioritizing essential spending and mitigating impulsive purchases. This considered approach creates a resilient base from which you can adapt to economic shifts and personal changes over time.

Beyond just setting money aside, saving is a means of empowering yourself in an inherently unpredictable economic climate. The practical benefits of saving — such as enhanced security, peace of mind and greater flexibility — ensure that even as the market evolves, the discipline of saving remains a non-negotiable component of a sound financial strategy.

Why do stablecoins and crypto-earning products make sense for the next generation?

Slow transfers, low interest rates and limited control are key issues younger generations face within traditional banking. 

 and crypto-earning products address these pain points by offering faster access, higher yields and greater financial freedom. Here’s why they’re a good fit for Gen Z and beyond:

How to save crypto with Bybit Earn for the long term

If you're seeking a straightforward, low-risk way to 

 over time, Bybit, a leading crypto exchange, offers the perfect features to help you do just that.

Bybit Savings offers flexible and fixed-term savings options. With Flexible Savings, you can earn daily interest without locking up your assets. You’re free to withdraw anytime, making it ideal for maintaining access to your funds. Fixed-term savings, on the other hand, provides even higher yields in exchange for committing your assets for a set period, such as 7, 14 or 30 days, making it a smart choice for disciplined savers who want consistent returns. Supported assets include BTC, ETH and USDT, with auto-compounding features to maximize growth passively.

Bybit’s On-Chain Earn allows you to earn passive income by staking 

 (PoS) assets, such as ETH and SOL, without managing validators or paying gas fees. Your earnings come from network rewards — for instance, newly minted tokens and transaction fees — with daily APR bonuses added for long-term holders. Liquid staking tokens such as 

 give you the flexibility to move your funds without fully unstaking them.

Bybit’s Wealth Management offerings include dual-asset investments, which lets you earn yield by predicting how an asset pair such as BTC/USDT will move within a certain price range over a set period. More conservative options, such as principal-protected notes, prioritize preserving your original investment while offering modest upside potential. This suite of tools is best suited for users who are comfortable with moderate risk and are looking for smarter, more nuanced ways to earn from their holdings.

For advanced users, Bybit’s Liquidity Mining provides exposure to DeFi protocols and higher returns. Provide liquidity to trading pairs like BTC/USDT and earn trading fees plus bonus rewards. Leveraged mining options can boost gains up to 5x, although they also come with greater risk. Finally, auto-rebalancing tools simplify management for more active savers by automatically converting their single-token deposits into balanced pairs.

How to set up a family savings strategy with crypto

Creating a family savings strategy using crypto helps you build long-term wealth while also giving your loved ones a hands-on education in digital finance. Here’s how to get started:

 and even simple mistakes can drain your crypto savings in seconds. Here are some ways to help you stay safe:

For families or anyone planning for inheritance, consider a 

. Services like Casa or Unchained Capital require approval from two or more people before any transaction can be processed, adding a strong layer of protection.

“Hot” wallets like MetaMask or Trust Wallet are great for everyday use, but they “live online” and are hence more exposed to risks. Keep only a small portion of your crypto here, ideally no more than 5%, for quick access and spending.

Finally, beware of fake customer support on Telegram or Discord. Scammers may pose as helpful reps when in reality they’re after your funds. Real support teams won’t message you first. Always use official channels listed on the company’s website. Even app stores can host fake wallet apps. To stay safe, 

only download wallet software from official websites

Building generational wealth starts with disciplined saving, and crypto offers a modern way to do it. With stablecoins, high-yield earning products and global access, families can grow their savings securely while teaching digital financial literacy. Platforms like Bybit make it easier for you to earn and plan, and to protect your wealth for the long haul — all while staying in control of your money.

Intermediate

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How crypto savings can build generational wealth

Earn passive income with Bybit's USDT Flexible Savings — enjoy hourly yields, low risk, easy unstaking, and Auto-Savings to grow your stablecoin assets.

In the volatile world of cryptocurrencies, 

 are safe play since they cushion you against the inherent price and market uncertainties associated with the crypto market. However, these stablecoins are often left lying dormant in your wallet when they could be generating passive income for you.

Did you know that Bybit’s Flexible USDT Savings product can provide you with a steady, passive income — even while you’re sleeping? Not only are you guaranteed returns at an hourly rate, but you’ll also have less exposure to risk and any other security threats to your investment.

The product is a flexible and low-risk way to generate an hourly yield on your USDT assets.

Let’s take a deeper look at Bybit’s USDT Flexible Savings plan, and see how you can leverage your stablecoins to generate passive income. 

What is Bybit’s USDT Flexible Savings plan?

The Bybit USDT Flexible Savings plan is a Bybit Earn investment product that lets you 

 It applies a tiered savings structure, whereby the interest rate you receive depends upon the amount of USDT you’ve staked. The product is designed for investors who want to play it safe by holding stablecoins, yet still generate some passive income without exposure to market volatilities and steep price movements. 

, you can unstake your USDT savings at any time without any fee, which gives the Flexible Savings product its convenience and flexibility, especially for short-term USDT holders.

Once you lock your USDT into this plan, your assets will start generating yield the next hour and continue to accrue hourly yields. The amount generated will automatically be calculated, and will be deposited into your account the next day at 12:30AM UTC, while the rate of yield will vary, depending upon market conditions.

Better yet, you can automatically compound your yield by turning on the 

 option available under your plan’s information. Depending upon the minimum stake amount indicated, this feature re-invests the yield generated, thus adding to your passive income. The re-staked amount won’t be regarded as a new order, and will be combined with the existing staked USDT.

Another great feature of this plan is that you can partially unstake some of your assets. Upon doing so, the principal amount that you unstake (along with the yield accrued) will be deposited into your account. You can still stake the remaining amount and continue generating yield. 

Why choose Bybit’s USDT Flexible Savings?

Locking your assets into Bybit’s USDT Flexible Savings plan provides numerous benefits as compared to simply leaving them idle in your account.

First, this aptly named plan is highly flexible and convenient, since you can unlock your assets at any time or even partially unlock your staked assets, depending upon your needs. This flexibility is attractive especially to short-term investors who want quick access to their USDT assets.

Another perk of this plan is that it includes an exclusive reward not available to Fixed Savings plan users: APR Booster Vouchers. You can enhance your returns by redeeming your Booster Voucher when staking your assets. This way, you’ll receive an extra percentage of yield to the base APR set aside for the plan (until the voucher expires, or the yield boost cap is reached).

 feature that, if turned on, automatically invests your idle USDT assets into your Flexible Savings plan at 10AM UTC each day. 

How to earn passive income with Bybit’s USDT Flexible Savings plans

 with Bybit’s USDT Flexible Savings is straightforward, safe and convenient. You’re just a few clicks away from an hourly yield on your USDT assets.

1. In order to generate passive income, you need to stake (lock) your USDT assets. To do so, navigate to the 

page, you’ll find different plans for various coins, such as BTC, ETH and USDT. Select the USDT plan and choose 

: There are both Flexible and Fixed terms from which to choose.)

You’ll now proceed to create your Flexible Savings plan. Enter the amount of USDT you want to lock. (

: there’s a maximum amount of USDT that you can’t exceed).

Once you’ve acknowledged that all the parameters are correct, click on the 

 button. You’ll then see if the purchase is successful, alongside purchase details like the yield start time and distribution time.

button in the pop-up window (indicating your successful purchase).

As mentioned, with the Flexible Savings plan, you can unstake your assets at any time. To do so, follow these steps:

on the top-right side of the page. Then, head to the 

From there, you’ll see the amount of your locked USDT savings. Click on the 

In the pop-up window, enter the amount of USDT you wish to unstake (for partial unstaking), or choose 

 if you wish to unstake the entire amount from the plan.

Please note that once you unstake your assets, the yield that’s been generated will automatically be sent to your Bybit Funding Account.

You can also enable the Auto-Savings feature, which automatically locks your idle USDT assets to your Flexible Savings plan.

Bybit’s USDT Flexible Savings plan is a low-risk, convenient and user-friendly way to generate passive income through hourly yields on your idle USDT assets. It takes just a few clicks to stake your assets, and you can even compound your yields for more income and turn on 

Stake your USDT funds today in Bybit’s 

 plan for stable, passive income that’s safe from the crypto market’s uncertainties.

Beginner

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How to earn passive income with Bybit’s USDT Flexible Savings

In this article, we’ll provide a comprehensive overview of Lagrange and explain its origin and inner workings, as well as the tokenomics of its native token, LA.

Artificial Intelligence is widely believed to be the most impactful technology of the twenty-first century. However, the industry faces two major challenges: reliability and privacy. Lagrange aims to address both of these concerns using blockchain technology, and to propel AI into a new paradigm. 

In this article, we’ll provide a comprehensive overview of Lagrange and explain its origin and inner workings, as well as the tokenomics of its native token, LA. We’ll also guide you through a step-by-step process for trading Lagrange’s LA token on Bybit.

, inspired by the mathematician and astronomer Joseph-Louis Lagrange, began as a venture using cryptography and zero-knowledge proofs to solve interoperability challenges between blockchain protocols. However, Lagrange’s scope has evolved beyond solely cross-chain solutions. The project now aims to unlock data-intensive and cross-chain use cases by enabling verifiable computation over blockchain data through its hyper-parallel ZK Coprocessor. Furthermore, Lagrange’s State Committees generate state proofs for 

, supporting secure interoperability via protocols like LayerZero, Axelar and Polymer.

Lagrange has also launched DeepProve, a groundbreaking zkML (zero-knowledge machine learning) library designed to make verifiable AI inferences faster and more scalable than ever — up to 158x faster than the leading zkML solution.

The project has successfully raised a total of $17.2 million across two rounds from noted investors like Maven11, Lattice Fund, CMT Digital, Founders Fund and Archetype Ventures.

, a cryptographic technique that allows one party to prove the validity of a computation without revealing its underlying data. It combines a ZK proving technique called DeepProve with its ZK Coprocessor and Prover Network. This combination enables complex tasks to be computed while providing on-chain verifiability that they were executed as intended. Let’s look at each of these components in detail below.

Lagrange’s zero-knowledge machine learning (zkML) framework allows developers to cryptographically prove the correctness of AI model inferences without revealing the underlying model parameters or data. This can be used by projects to protect their proprietary data while proving the authenticity of the output.

By utilizing advanced cryptographic techniques, DeepProve achieves proving times that are significantly faster than previous zkML solutions. For example, it can prove the inference of a neural network 

Lagrange has pioneered an SQL-based ZK Coprocessor that’s designed for performing complex off-chain computations on data and verifying the results on-chain with cryptographic proofs. To achieve this goal, blockchain data is transformed into a ZK-friendly format. Provers use this data to perform intensive off-chain computations and generate ZK proofs that attest to the correctness of the computations. These proofs are then submitted to 

 on-chain, enabling trustless verification without revealing the underlying data.

The Prover Network is a decentralized network system for generating ZK proofs at scale. The participants include well-known institutions like Coinbase, OKX, P2P and many more. They perform computational tasks off-chain, and are rewarded for their service. Each Prover participant is required to stake via 

, and is penalized for delays or malicious activities in order to ensure the network’s reliability.

In addition to these three components, Lagrange has also introduced Lagrange State Committees, a decentralized network that acts as a ZK light client protocol for optimistic rollups like 

.These nodes monitor rollup activity and attest to the finality of blocks. Their collective signatures are aggregated into succinct ZK proofs that applications can use to verify rollup states without waiting for lengthy challenge periods.

LA token utility, distribution and listing

The LA token is integral to Lagrange’s decentralized ZK infrastructure, as it’s used for facilitating proof generation fees, staking and governance participation. The total supply of LA is capped at 1 billion, and as of Jun 2025, 193 million of these tokens are in circulation. During the initial distribution,34.8% of the tokens were allocated to the community, 25.4% to early contributors, 18.5% to the foundation and 21.3% to investors.

 of the LA/USDT Spot pair on its exchange, along with a 2,500,000 LA prize pool for its users. For Perpetuals traders, Bybit has also 

 the listing of the LAUSDT Perp contract, with up to 25x leverage, on Jun 5, 2025.

For more details on how to place a Spot order on Bybit, check out Bybit’s 

For more details on how to place a Perpetuals or Futures order on Bybit, check out the Bybit Help Center article 

. Start trading the LA token on Bybit today! 

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Lagrange (LA): Verifiable AI and computation with zero-knowledge (ZK) proofs

Franklin Templeton has introduced an "Intraday Yield" feature on its Benji platform, enabling investors to earn yield on tokenized assets by the second—even during holidays and weekends. 

Daily top performer — Axelar Network (AXL)

The S&P 500 rose 0.55% Tuesday, its third straight gain, as investors await the CPI report and US–China trade updates. Gold held near $3,328 as US-China trade talks boosted sentiment, while traders awaited US CPI data for further direction. The Coindesk Indices, which tracks the broader crypto market, rose 1.90%, with Bitcoin and Ether up 0.82% and 7.01%, respectively in the past 24 hours. Trade these markets and more with up to 500x leverage on Bybit MT5 using this 

Today’s top performer is AXL, up 45.7% after Axelar and Sui enabled compliant cross-chain tokenization for financial institutions.

Axelar Network (AXL), founded in 2020, is a secure cross-chain network that enables one-click interoperability across blockchains using a PoS design with advanced safety features. Axelar and Sui Network are 

 regulated financial institutions to launch compliant, scalable tokenized assets—like stablecoins and RWAs—across blockchains using Interchain Token Service and Interchain Amplifier, combining institutional-grade security with easy onboarding and built-in compliance.

Check out the latest prices, charts, and data of 

" feature on its Benji platform, enabling investors to earn yield on tokenized assets by the second—even during holidays and weekends. This innovation addresses inefficiencies in traditional finance, where yields are typically calculated at day’s end and distributed monthly. The update reflects growing demand for real-world asset tokenization, with the tokenized asset market reaching $23.14B in June 2025—a 47% increase year-to-date.

Yesterday, BTC spot ETFs saw $94.5 million in total inflows, all from non-GBTC funds, while GBTC recorded no change.

 a new task campaign offering users 500 free points for posting a tweet about how its fast, scalable microchains can support AI applications. Additional points can be earned by engaging with Linera-related tweets through retweets and replies.

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Franklin Templeton debuts intraday yield for tokenized assets amid RWA market surge

Bybit Learn

web3

Bybit Web3 wallets are specialized tools designed to enhance user interaction with the decentralized internet. Learn more about how each of them works here.

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Exploring the unlimited opportunities in Web3 safely with the right wallet that suits your needs.

 represents a significant evolution of the internet, introducing a decentralized framework that shifts control and power back to users through 

. At the heart of this transformation is Bybit. We not only offer offer advanced trading solutions, but also facilitate seamless access to the burgeoning world of web3 through our diverse array of 

In this article, we’ll explore the different types of Bybit Web3 wallets available and help you understand and select the 

 to secure your digital assets while navigating the decentralizedweb.

Bybit Web3 wallets are specialized tools designed to enhance user interaction with the decentralized internet. They prioritize security, ease of access and reliability, enabling users to manage digital assets efficiently in the web3 space.

As users have varied needs, Bybit Web3 offers several types of wallets. Each of them is tailored to different preferences in terms of security, usability and control.

Cloud Wallet — For Beginners and Those Seeking Max Convenience

Bybit’s Cloud Wallet offers the utmost convenience by delegating the management of 

 to Bybit’s secure cloud infrastructure. This 

 wallet is ideal for newcomers to the cryptocurrency world, as well as those who prefer not to engage in the technicalities of private key management. The Cloud Wallet ensures that your assets are safeguarded by Bybit’s state-of-the-art security protocols, providing peace of mind and freeing you from the responsibilities of direct key management. Simply log in after creating to use it.

Seed Phrase Wallet — For Maximum Security and Control

 wallet that can be imported to Bybit Wallet with a seed phrase or private key. 

The seed phrase, which is a unique combination of words generated at the setup of the wallet, is used as the encryption key. This phrase is essential for accessing and recovering your assets, so you should store it securely. Ideal for users who prefer complete autonomy over their security, the Seed Phrase Wallet requires thorough understanding and responsible management of the seed phrase to prevent unauthorized access.

Keyless Wallet — A Balance Between Security and Simplicity

Innovating beyond traditional security measures, Bybit’s 

 is a noncustodial wallet that removes the need for a seed phrase and instead incorporates MPC technology to secure your private keys. This design caters to users who seek both security and simplicity, reducing the risk of losing access due to forgotten seed phrases or keys. It’s a perfect choice for those who value quick and secure access to their assets without the complexity of traditional methods.

Seed Phrase Wallet vs. Keyless Wallet vs. Cloud Wallet

The chart below explains the key differences between the Bybit Seed Phrase Wallet, Keyless Wallet and Cloud Wallet. 

The Keyless and Cloud Wallets require the creation of a Bybit account prior to usage. In contrast, the Seed Phrase Wallet doesn’t require a Bybit account, offering a more flexible approach for those who prefer minimal platform dependency. Importantly, none of these wallets require identity verification, simplifying the setup process while maintaining privacy.

Custody is a critical factor when choosing a wallet. The Seed Phrase Wallet is noncustodial, granting you full control over your seed phrases and private keys. This option is ideal for users who prioritize complete autonomy over their assets. The Keyless Wallet, while also noncustodial, introduces a dual key-share system enhanced by a recovery password. This system splits the control of private keys between Bybit and the user’s encrypted cloud storage, balancing security with recoverability. In contrast, the Cloud Wallet uses a custodial solution where Bybit assumes responsibility for the private keys, offering a straightforward and less technical user experience.

Accessibility across platforms is essential for seamless user experience. All three wallets are accessible via both the Bybit app and web interfaces. However, the Seed Phrase Wallet and Keyless Wallet can only be created through the Bybit App. Through the web version, you’ll be able to connect your Seed Phrase Wallet and Cloud Wallet via the Bybit Wallet Extension and WalletConnect, respectively.

In terms of functionality with web3 events, the Seed Phrase and Keyless Wallets currently support Bybit Web3 Swap and various 

. Future updates will expand their capabilities to include Bybit Web3 IDO and Staking. The Cloud Wallet, however, already supports a broader range of Web3 features, providing a more comprehensive service offering.

Security is paramount across all wallet types. The Seed Phrase Wallet employs encrypted storage solutions, such as iCloud or Google Drive, to safeguard your seed phrases, while the Keyless Wallet utilizes a multi-point storage strategy to secure private keys across several secure points. The Cloud Wallet, managed entirely by Bybit, adheres to standard security protocols to protect user assets.

When it comes to usability, the Cloud Wallet stands out for its ease of use, making it an excellent choice for newcomers to crypto or those who prefer convenience. The Keyless Wallet strikes a balance, offering more control than the Cloud Wallet, but with less complexity than the Seed Phrase Wallet, which demands a higher level of technical understanding, suited for those who are comfortable with direct management of their security details.

Safety level varies with each wallet type. The Seed Phrase Wallet offers the highest degree of security, designed to appeal to users who want maximum control over their digital assets. The Keyless Wallet provides substantial security with slightly less user responsibility, whereas the Cloud Wallet, while secure, places the least burden on the user by managing security protocols on their behalf.

Bybit Web3 Wallets are connected with over 30 chains. Each wallet supports different blockchain networks, which can be 

 by connecting to the respective wallet through Bybit's platform. 

The Seed Phrase Wallet offers extensive cross-platform compatibility, allowing users to import and export seed phrases or private keys to and from other wallets, thus enhancing its versatility. In contrast, the Keyless and Cloud Wallets are designed specifically for integration with the Bybit Web3 platform, focusing on a seamless user experience within the Bybit ecosystem.

This comparative overview provides insights into choosing the best Bybit Web3 wallet for you based on your specific needs, whether you prioritize security, ease of use or flexibility.

Determining the best wallet for your needs depends upon several factors, including your level of comfort with technology, your security requirements and how you intend to use your crypto assets. The Seed Phrase Wallet is unmatched for maximum security and control. If convenience is your priority, the Cloud Wallet offers a hassle-free solution. For a balance of security and ease of use, the Keyless Wallet is ideal.

Bybit’s diverse selection of Web3 wallets ensures there’s an option suitable for every type of user — from blockchain beginners to advanced traders. Each wallet type is engineered with specific features to cater to different needs, ensuring that you can navigate the web3 space with confidence, security and ease. As the digital landscape evolves, choosing the right wallet for you will be instrumental in your journey through the exciting and decentralized world of web3.

The Ultimate Guide to Choosing the Best Bybit Web3 Wallet

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