BGUSD Overview: Earn Stable Yield with Tokenized RWA on Bitget
[Estimated Reading Time: 3 mins]
BGUSD is Bitget’s yield-bearing stablecoin product, designed for users seeking stable returns, multi-scenario usability, and seamless integration within the Bitget ecosystem. Backed by Tier-1 Real World Assets (RWAs), BGUSD offers reliable, low-risk earnings and enhanced capital efficiency—exclusively available through the On-Chain Elite section of Bitget Earn.
What is BGUSD?
BGUSD is a "platform-native, yield bearing certificate" backed by a basket of tokenized RWAs such as U.S. Treasuries products. It provides:
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Daily passive income
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Ecosystem-wide utility
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Stable, low-risk exposure to traditional finance
Why Choose BGUSD?
1. Stability
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Supported by a diversified asset allocation, institutional-grade infrastructure, and partnerships with top-tier institutions
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Designed to deliver consistent, low-volatility returns
2. Daily Yield
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Up to 4% APR (Promotional: 5% for first 30 days)
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Automatically distributed to your Spot account
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Yields are calculated from the lowest hourly balance of the day
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Auto-compounding
3. Zero-Fee Subscription (Limited Time)
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No subscription fee during promotion
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Redemption and subscription fees (outside promo): 0.1%
4. Broad Use Case Integration
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Trading margin in USDT-margined futures
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Loan collateral for borrowing other tokens
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LaunchPool & PoolX participation
How BGUSD Works?
1. Yield Source
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Income generated from tokenized Tier-1 RWA investment products
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Bitget does not lend user funds to external parties; it handles subscriptions and distributions only
2. Yield Caluclation
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The system records your BGUSD balance once every hour. The lowest value among the 24 hourly snapshots is used for daily yield calculation.
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If part of the balance is transferred out during the day, the yield is calculated based on the lowest balance recorded.
Formula: Daily Yield = Minimum Daily BGUSD Balance × Real-time APR ÷ 365
Example: If a user holds ≥1,000 BGUSD throughout the entire day, the yield is calculated based on 1,000.
3. Yield Distribution Rules
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Yields are calculated daily based on 24 hourly snapshots.
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Rewards are distributed to your Spot account at 00:00 UTC every day.
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No yield will be credited for any BGUSD amount subscribed or redeemed on the same day.
Subscription & Redemption Details
1. Subscription
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Supported currency: USDC & USDT
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Users holding USDT must manually convert it to USDC before subscribing.
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Daily subscription limits:
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Non-VIP users: Limited to 25,000 USDC per day
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VIP users: No daily cap
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2. Redemption: BGUSD is redeemable only in USDC. Users can choose between two redemption methods:
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Express Redemption, which is subject to VIP-level limits per user and a total daily platform cap of 5,000,000 BGUSD.
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Standard Redemption (D+3), which has no individual limit and follows a three-day processing cycle.
| VIP Level | Express Redemption Limit (BGUSD) |
| Non-VIP | 10,000 |
| VIP1 | 50,000 |
| VIP2 | 60,000 |
| VIP3 | 150,000 |
| VIP4 | 300,000 |
| VIP5 | 1,000,000 |
| VIP6 | 1,500,000 |
| VIP7 | 2,500,000 |
Note: These limits apply to Express Redemption only. Standard Redemption (D+3) has no personal limit, but follows institutional processing timelines.
How to Subscribe BGUSD on Bitget App?
Step 1: Navigate to the Earn Section
1. Tap the “Earn” icon in the middle of the top shortcut bar.
Step 2: Enter On-chain Elite
1. On the Earn page, locate the product categories.
2. Tap “On-chain Elite” to access BGUSD and other yield products.
Step 3: Select BGUSD and Start Subscription
1. Find BGUSD in the On-chain Elite list.
2. Tap “Subscribe now” to begin the subscription process.
Step 4: Input Subscription Amount
1. Enter the amount you want to subscribe in USDT or USDC.
2. The system will automatically calculate the equivalent BGUSD based on your input.
Step 5: Review and Confirm
1. Carefully read the staking notes and check the agreement box.
2. Review all staking terms.
3. Tap “Confirm” to complete your BGUSD subscription.
How to Redeem BGUSD on Bitget App?
Step 1: Navigate to Your Assets
1. Tap the "Assets" icon in the bottom navigation bar.
2. At the top, choose the "Earn" tab.
3. Select "BGUSD" from your asset list.
Step 2: Choose Redemption Method
1. Tap the "Redeem" button.
2. Select your desired redemption method:
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Express Redemption (subject to daily VIP limits and liquidity)
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Standard Redemption (D+3) with no personal limit
3. Enter the amount you want to redeem.
4. Review the details, then tap "Confirm" to complete the redemption.
How to Subscribe to BGUSD on the Bitget Website?
Step 1: Access the On-chain Elite Section
1. Go to the On-chain Elite page
2. Find and select BGUSD from the list of available products
Step 2: Launch the Staking Interface
1. On the BGUSD product page, click the black “Subscribe now” button
Step 3: Fill in Staking Details
1. Enter the amount you wish to subscribe in USDC (If you hold USDT, please convert it to USDC manually before proceeding.)
2. The system will automatically calculate the equivalent BGUSD
3. Review the staking terms and check the agreement box
4. Click “Confirm” to proceed
Step 4: Complete the Subscription
1. After confirming, your BGUSD will be issued to your Spot account
2. Yield will start accruing based on your balance and snapshot rules
How to Redeem BGUSD on the Bitget Website?
Step 1: Access Your Spot Wallet
1. Click the Wallet icon at the top-right corner of the homepage.
2. In the dropdown menu, click Earn to view your current assets.
Step 2: Redeem BGUSD
1. In the Assets section, find BGUSD in the list.
2. Click the Redeem button next to the token to start the redemption process.
Step 3: Confirm the Redemption
1. Enter the amount of BGUSD you want to redeem
2. Choose between Express Redemption or Standard Redemption (D+3)
3. Click “Confirm” to submit your redemption request
FAQs
1. What is BGUSD?
BGUSD is a yield-earning certificate backed by tokenized Real World Assets like U.S. Treasuries, offering stable passive income.
2. Can BGUSD be withdrawn?
No, BGUSD is an internal Bitget asset and cannot be deposited or withdrawn externally.
3. Is the APR guaranteed?
No. APR is based on historical performance and may vary.
4. What are the subscription and redemption fees?
Both subscription and redemption fees are 0.1% (subject to change).
5. What is the redemption limit by VIP level?
Instant redemption limits range from 10,000 BGUSD (Non-VIP) to 2,500,000 BGUSD (VIP7). Standard redemptions have no cap.
6. When is yield not paid?
No yield is paid on the first or last holding day, or if you subscribe/redeem on the same day.
7. Which currencies are supported for subscription?
Only USDC is supported. If you hold USDT, you must manually convert it to USDC before subscribing.
8. When will I receive USDC after instant redemption?
If liquidity is sufficient, within 1 minute.
9. What if today’s redemption quota is full?
You can redeem after the quota resets at midnight (UTC+8) the next day.
Disclaimer:
BGUSD can be redeemed at a 1:1 ratio for USDC (subject to redemption rules). The yield of BGUSD may fluctuate due to various factors, including but not limited to changes in the underlying assets held by the platform. Past performance is not indicative of future results. Please ensure you fully understand the risks before participating. Bitget reserves the right to adjust the campaign without prior notice.
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