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Behind every good earning product, there is a system doing the real work. For Bitget On Chain Earn, that system is Morpho. Many users see the yield but do not understand where it comes from. WHAT MORPHO IS Morpho is a decentralized finance protocol. Its main job is to help people lend and borrow crypto more efficiently. Instead of letting funds sit idle, Morpho connects lenders and borrowers in a smarter way. In simple words, Morpho helps money move where it is needed most, and this creates better returns for everyone involved. WHY MORPHO IS IMPORTANT In many DeFi systems, funds are pooled together. When demand is low, a lot of money stays unused. Unused money earns little or nothing. Morpho fixes this problem. It matches lenders directly with borrowers when possible. When direct matching happens, both sides benefit. Lenders earn more interest, and borrowers pay lower rates. This efficiency is the key reason Morpho produces stronger and more stable yields. HOW MORPHO WORKS IN A SIMPLE WAY Imagine a classroom where some students want to lend books and others want to borrow books. Instead of putting all books in one big box, Morpho helps students share directly. If direct sharing is not possible, Morpho still uses larger lending pools as backup. This means funds are always working in the best available way. This flexible system keeps earnings steady and reduces wasted opportunity. HOW BITGET USES MORPHO Bitget uses Morpho as the engine behind its On Chain Earn product. When users deposit USDT or USDC, Bitget deploys these funds through Morpho on the blockchain. Users do not need to interact with Morpho directly. Bitget handles the technical side while Morpho handles the efficiency. The result is higher yield without added stress. REAL TIME RATE ADJUSTMENT One powerful feature of Morpho is real time interest adjustment. Rates change based on supply and demand. When there is high borrowing demand, lenders earn more. Traditional savings products usually update rates slowly. Morpho reacts instantly. This allows Bitget On Chain Earn users to benefit from market activity without doing anything extra. SECURITY AND TRANSPARENCY Morpho operates on chain, which means all actions are visible and verifiable. Bitget adds another layer of safety by isolating user assets with unique on chain addresses. This transparency builds trust. Users are not guessing how yield is generated. They can verify that funds are truly deployed on chain through real protocols. WHY MORPHO FITS THE CEDEFI MODEL Morpho is powerful but complex. Many beginners would struggle to use it directly. Bitget solves this problem by wrapping Morpho inside a simple interface. This combination allows users to enjoy advanced DeFi benefits while staying in a familiar and calm environment. It is efficiency without confusion. $MORPHO $USDC $ETH

Crypto Market Reality Check (2026 Strategy) Most people lose money not because of bad coins, but because of bad timing and emotions. What actually works: 1. Liquidity > Hype Trade coins with high volume (BTC, ETH, top L2s). Low-volume hype coins trap beginners. 2. Follow Stablecoin Flow When USDT/USDC inflows to exchanges increase → volatility is coming. Smart money prepares before price moves. 3. Altcoins Move After Bitcoin BTC pumps → BTC cools → ETH moves → altseason starts. Buying alts too early = capital stuck. 4. APY Isn’t Free Money High APY = high risk. Sustainable range: 5–15%. Anything above needs caution. 5. Cash Is a Position Being in USDT during uncertainty is not losing — it’s waiting smartly.$BTC $ETH $USTC

Bitget On-Chain Earning presents a refined approach to generating stable, on-chain yield without exposing users to the usual operational complexity of DeFi. What immediately stands out is how the product successfully bridges traditional wealth management with decentralized finance, while preserving transparency, asset isolation, and flexibility. For investors seeking consistent returns on USDT and USDC, this model delivers an efficiency level rarely seen in conventional earning products. At the core of its appeal is the yield structure. With returns reaching up to 12% APR on USDC and around 7% APR on USDT, Bitget On-Chain Earn clearly outperforms most traditional savings and fixed-income alternatives. Unlike off-chain earning products where yield sources remain opaque, Bitget deploys funds through top-tier Arbitrum DeFi protocols such as Morpho, keeping assets fully on-chain while managing them through a centralized interface. This approach significantly improves trust and visibility for users who value transparency without sacrificing convenience. Another major strength lies in Bitget’s UID-linked independent on-chain address system. Each user is assigned a dedicated on-chain address, ensuring full asset isolation and eliminating shared-pool risks. This structure allows users to verify asset movements directly on-chain, while still enjoying a CeFi-like experience. From a risk-management perspective, this design offers a level of clarity and accountability that many DeFi platforms struggle to provide. Usability is where Bitget On-Chain Earn truly differentiates itself. By fully covering gas fees, Bitget removes one of the biggest barriers to DeFi participation. Users don’t need to manage wallets, hold native gas tokens, or worry about fluctuating transaction costs. Subscriptions are instant, interest accrues second by second, and redemptions remain flexible—allowing users to adjust positions efficiently as market conditions evolve. From a user-experience standpoint, platform-covered gas fees are more than just a convenience feature—they are critical for adoption. Gas fees often discourage beginners due to their unpredictability and technical complexity. Bitget simplifies this entirely, allowing users to focus on earning rather than execution mechanics. Behind the scenes, assets are deployed on-chain, but for the user, the process feels as intuitive as a traditional savings product. Overall, Bitget On-Chain Earn delivers a well-balanced CeDeFi solution that prioritizes yield, transparency, and accessibility. It is particularly well-suited for investors seeking stable on-chain returns without compromising control or visibility. By removing friction while maintaining real DeFi exposure, Bitget is setting a strong benchmark for the next evolution of passive earning products. $BTC $ETH $BGB

For quite a while, earning in crypto seemed like a compromise: either you get very low returns with traditional savings or you have to go through the whole wallet, gas, and DeFi complexity nightmare. Bitget On, Chain Earn is changing that game. I first experimented with $USDC There was no need to connect a wallet. No gas fee. I simply hit the subscribe buttonand my funds started working right away. Interest began to accrue every second. Such a frictionless experience? Almost non, existent. The yields are quite attractive as well: up to 12% APR on $USDC and 7% on $USDT, driven by real on, chain lending. You can basically follow the exact path of your interestgiving you a lot of confidence in the process. What impressed me the most: a single UID, linked on, chain address. Each user's assets are separate and verifiable. No pooling of funds, no hidden moves. Also, the gas fees are paid forso that newbies wont be discouraged by the usual DeFi barrier. Withdrawal is immediate. There are no lock, ups. The product is actually working. In case you want higher yields than those offered by banks, more transparency than that of typical CeFi, and less complexity than that of full DeFi, Bitget On, Chain Earn is a smart, practical step forward. Sometimes, progress is not flashyits just simply usable.

Bitget On-chain Earn in 2026 — A Practical Bridge Between CeFi and DeFi As decentralized finance continues to mature in 2026, Bitget On-chain Earn stands out as a practical gateway for users who want exposure to real on-chain yields without the technical burden traditionally associated with DeFi. The product allows users to earn directly from blockchain-based protocols through the Bitget app, removing the need to manage private keys, wallets, or gas fees. This approach makes on-chain earning far more accessible, especially for beginners who want to explore DeFi in a controlled and simplified environment. Unlike fixed-return CeFi products, Bitget On-chain Earn reflects live on-chain conditions. The APRs displayed for assets such as USDT, USDC, ETH, SOL, and other supported tokens are variable and adjust according to protocol utilization and market demand. Stablecoins typically offer more consistent but lower yields, while volatile assets may present higher APR ranges that come with increased risk. This dynamic structure helps users understand how real DeFi economics work rather than masking risk behind guaranteed returns. Behind the scenes, Bitget collaborates with established DeFi protocols across multiple networks to generate yield. Each user is assigned a unique on-chain address linked to their Bitget account, ensuring asset isolation and transparency while maintaining a centralized user experience. Interest accrues automatically based on actual on-chain performance, and users do not need to interact with smart contracts directly or worry about transaction fees. This hybrid model blends the efficiency of CeFi with the yield mechanisms of DeFi. In recent product expansions, Bitget introduced higher-yield on-chain earn opportunities, including advanced strategies that offer significantly elevated APR ranges compared to traditional staking. These products are designed for users seeking higher returns and who understand that higher yields come with increased protocol and market risks. At the same time, Bitget continues to provide conservative options for users who prefer stablecoin-based earning with lower volatility. The subscription process is intentionally transparent. Before confirming participation, users can clearly see the minimum subscription amount, estimated APR, projected daily earnings, and detailed risk disclosures. The platform explicitly states that these products are not principal-protected and that returns may fluctuate. Even for users who choose not to subscribe immediately, reviewing the product flow offers valuable education on how on-chain earning works and what factors influence yield generation. Risk communication remains a core focus of Bitget On-chain Earn. Users are informed about potential smart contract vulnerabilities, changes in APR due to protocol utilization, and broader DeFi risks. This emphasis on disclosure encourages informed participation rather than speculative or blind investing, aligning with the growing demand for responsible crypto product design. Looking forward, Bitget’s broader ecosystem continues to expand around on-chain yield innovation, including liquid staking, flexible earn structures, and integrated DeFi access through its wallet and app ecosystem. These developments signal a long-term strategy focused on making decentralized finance usable, understandable, and scalable for mainstream users. In summary, Bitget On-chain Earn in 2026 represents more than just a yield product. It functions as an educational bridge between centralized exchanges and decentralized finance, giving users exposure to real on-chain performance while preserving ease of use. For users interested in DeFi but cautious about complexity, this product offers a balanced entry point into the evolving on-chain economy. Disclaimer: This content is for educational purposes only and does not constitute financial advice. On-chain products involve risk, and users should carefully assess their own financial situation before participating. $BGB $ETH $SOL