Disclaimer: This is a general announcement. Products and services referred to here may not be available in your region. Please refer to T&C for more details.

We're excited to introduce a new way to earn on your XAU₮.

Gold has long been a store of value — but holding it has traditionally meant zero yield. Now, through a strategic collaboration with XAUE Protocol, Bybit brings a fixed-term savings opportunity directly to XAU₮ holders. XAUE is dedicated to expanding on-chain use cases for Tether Gold, unlocking greater yield and utility for gold token holders.

Earn a fixed 2.83% APR on the 90-Day XAU₮ Fixed Savings Boost product — with a total quota of 2,000 XAUT available on a first-come, first-served basis.

Launch Date: Oct 26, 2026 12:00 UTC

What Is the XAUT 90-Day Fixed Savings Boost?
A fixed-term savings product designed for XAU₮ holders on Bybit, offering a clear and predictable yield structure. The product provides a fixed 2.83% APR with a single payout at maturity — no interim fluctuations.

Key Features:
-Fixed 90-day investment term
-2.83% fixed APR
-One-time settlement at maturity (principal + accrued yield)
-No early redemption and no interim yield fluctuations
-Minimum subscription: 0.05 XAUT

How to Participate:
1. Log in to your Bybit account and complete Identity Verification (Lv. 1 or above).
2. Deposit or purchase XAU₮ and ensure sufficient balance.
3. Navigate to Bybit Earn → search for XAUT → select the Fixed Term product.
4. Enter your subscription amount (min. 0.05 XAUT), review the details, and confirm.
5. At maturity, your principal and accrued yield will be automatically credited to your account.

Why Choose XAUT Fixed Savings?
-Stable Yield: Fixed APR provides predictable returns with no exposure to rate fluctuations.
-Asset Security: Funds are managed within Bybit's infrastructure, ensuring full asset control and safety.
-Gold-Backed: XAU₮ is backed 1:1 by physical gold — each token represents one troy ounce of London Good Delivery gold held in a Swiss vault.
-Effortless: Subscribe once, earn at maturity. No active management required.

About XAU₮
XAU₮ (Tether Gold) is a gold-pegged digital asset issued by Tether, fully backed by physical gold reserves. It offers holders digital exposure to real-world gold with the convenience and transferability of a blockchain-based token.

About XAUE Protocol
XAUE is an institutional-grade, yield-generating token backed by Tether Gold (XAU₮) and physical gold. It transforms gold from a passive, “sleeping” store of value into a productive asset, allowing you to earn sustainable yield while maintaining your exposure to gold.

Terms & Conditions
-Once subscribed, funds cannot be redeemed prior to maturity and will remain locked for the full 90-day term. At maturity, users will automatically receive their principal along with all accrued returns in a single payout.
-This product is only open to users eligible for Savings services and may not be available, or may be restricted, in certain jurisdictions or regions or to certain users, depending on legal and regulatory requirements. Please note that participants from Service Restricted Countries are not eligible to participate.
-Users must complete Identity Verification Lv. 1 to participate.Institutional users are eligible to participate.
-The stated 2.83% is a fixed annualized percentage rate (APR), not the total return for the 90-day period. Final yield is subject to the settlement rules displayed on the product page.
-Total product quota is 2,000 XAUT and is available on a first-come, first-served basis. Bybit reserves the right to adjust the quota based on market conditions or operational requirements.
-All participating users must strictly abide by Bybit's Terms of Service. Bybit reserves the right to disqualify users who engage in malicious behaviors, including but not limited to opening multiple accounts to obtain additional benefits, and other behaviors that are illegal, fraudulent, or cause harmful effects.
-Bybit reserves the right to modify the terms of this product without notifying users in advance.
-Bybit reserves the right to the final interpretation of this product. If you have any questions, please contact our Customer Support team.