How does Buck Savings Coin generate returns for crypto users — a new attempt to integrate with Bitcoin strategies

In the exploration of digital asset management, Buck Labs, registered in the Cayman Islands, launched the BUCK token. This move reflects the ongoing market demand for new types of crypto savings solutions. Unlike remittance functions of other stablecoins, Buck is positioned as a yield-bearing savings product, aiming to offer an alternative for users who are not satisfied with traditional stablecoins. The logic behind this project is worth a deep understanding: as more crypto users accumulate assets, their core concern is no longer “how to trade quickly,” but rather “how to earn stable returns during idle periods.”

Travis VanderZanden, founder and CEO of Buck Labs, has held leadership roles at tech companies such as Bird, Lyft, and Uber. His understanding of market needs is reflected in the product design. VanderZanden stated, “Every healthy economy needs both ways to spend and ways to save,” which is the original intention behind Buck—to fill the gap in the crypto savings space.

How the 7% Annualized Return Works—From Strategy Stock to BUCK Token

The innovation of BUCK lies in its unique asset-backed structure. The token is supported by STRC, a perpetual preferred stock linked to Bitcoin under Strategy (MSTR). MicroStrategy, as the publicly listed company holding the most Bitcoin globally, has nearly 675,000 BTC on its balance sheet. This design indirectly supports BUCK with Bitcoin assets.

The initial price of BUCK is set at $1, aiming to distribute approximately 7% annualized returns to holders, with the key feature that returns accrue by the minute. This means users do not need to actively participate in trading or liquidity mining; simply holding the token allows them to earn corresponding returns every minute. VanderZanden pointed out, “People want a simple way to earn crypto rewards rather than become speculators. Buck is precisely designed to make crypto savings more intuitive.”

It is worth noting that BUCK is not marketed as a stablecoin and does not maintain a strict dollar peg, which means its price may fluctuate based on market conditions. This design highlights the fundamental difference between Buck and traditional stablecoins.

Governance Token Empowers Users—BUCK Holders’ Voting Rights and Decision-Making Participation

In terms of governance mechanism design, Buck adopts a decentralized approach. BUCK is designed as a governance token, allowing holders to vote on reward distribution and other protocol decisions. This mechanism enables holders not only to passively receive rewards but also to participate in product governance, having a say in allocation strategy adjustments.

Buck Labs stated that the token was initially issued to non-US users and was not sold as a security. This geographic and legal strategy reflects the project’s cautious attitude toward regulatory compliance.

Savings vs. Trading—Why Users Need Buck Instead of Stablecoins

Traditional stablecoins perform well in cross-border fund transfers, but their design mainly revolves around “liquidity” and “trading convenience.” Buck offers a completely different value proposition—focusing on earning during idle periods of funds. This differentiated positioning addresses different user needs: traders require stablecoins, savers need Buck.

As the crypto market matures, more users are seeking “simple, predictable crypto asset yields” rather than “high-risk speculative opportunities.” The emergence of Buck fills a product gap in the existing ecosystem, providing a long-term holding alternative.

The project emphasizes that Buck is intended to complement rather than replace existing stablecoins; both can coexist in different user scenarios. This statement reflects respect for the diversity of the market ecosystem.

From product design, asset backing, to governance mechanisms, Buck embodies the trend of deepening crypto asset management—evolving from a simple trading tool into an integrated savings and yield-generating instrument.