Gate Finance 2026 Upgrade Guide: Earning Interest with Holdings, GUSD, and the Multi-Product Matrix Explanation

Recently, with the dual evolution of market sentiment and regulatory environment, cryptocurrency investors are facing a common dilemma: how to seek stable asset appreciation in volatile markets. In the face of market uncertainty, an increasing number of investors are turning to a new approach: Gate’s newly upgraded wealth management ecosystem, where “holding coins equals earning” is no longer just a slogan.

Product Upgrade: Gate Wealth Ecosystem’s 2025 Innovation

Against the backdrop of normalized digital asset market fluctuations, relying solely on trading profits not only requires professional knowledge and significant time but also involves higher risks.

Gate’s wealth management products underwent a comprehensive upgrade in Q4 2025, focusing on safety, flexibility, and high returns, providing users with a series of asset appreciation solutions. Compared to traditional crypto asset holding methods, these upgraded products allow users to maintain liquidity while achieving more stable and predictable returns. The platform employs multiple security measures to safeguard user funds, with all underlying assets of wealth management products carefully selected and stored in secure cold wallets and multi-signature accounts.

Holding Coins for Interest: Launching a Flexible “Hold Coins to Earn” Income Mode

In September 2025, Gate officially launched the coin-holding interest feature, offering users a new way to grow assets. The biggest highlight of this service is that users can automatically earn yields by simply one-click activating designated tokens, without locking assets, keeping funds flexible and available. The initial supported tokens include major assets such as BTC, ETH, SOL, DOT, among others. Yield calculation and distribution are highly transparent, with the daily yield formula: average holding of coin interest × annualized return rate / 365. After activation, the system will take a snapshot of eligible tokens at 16:00 the next day, and yields will be distributed to spot accounts the following day.

The core advantage of this mechanism is that users no longer need to choose between liquidity and returns, truly realizing the convenience of “holding coins to earn.”

GUSD Wealth Certificate: Connecting Traditional Finance with Stable Income Bridge

In August 2025, Gate launched a new wealth certificate GUSD supported by real-world assets (RWA) such as U.S. Treasury bonds, marking another major breakthrough in digital financial innovation. GUSD is a digital wealth certificate backed by real-world low-risk assets like U.S. Treasuries, with its value anchored in genuine low-risk assets.

In September 2025, Gate fully optimized the GUSD yield mechanism. Now, users holding GUSD in spot wallets or wealth accounts can automatically earn minting yields without additional operations. When users invest GUSD into Gate’s Launchpool wealth products, they can earn not only the product’s own returns but also GUSD minting yields, achieving dual interest accumulation—one of GUSD’s major innovations. The initial annualized yield for GUSD is 4.40%, mainly derived from U.S. debt interest and a share of Gate’s ecosystem profits.

This feature, anchored to low-risk assets like U.S. Treasuries, results in minimal yield volatility, providing users with predictable and continuous cash flow.

Product Matrix: Diversified Options for Different Risk Tolerance Investors

Whether you are a conservative or aggressive investor, Gate Wealth can offer suitable product options. The product matrix was further enriched in the Q4 2025 upgrade.

YubiBao offers low-risk, stable principal-protected wealth management options, supporting both flexible and multi-term fixed deposits (e.g., 7, 14, 30 days), covering nearly a thousand cryptocurrencies. For example, USDT flexible wealth management can offer an annualized yield of up to 6.8%. In April 2025, YubiBao launched instant redemption and auto-reinvestment features for fixed deposits, allowing users to redeem assets instantly—a unique feature across the network.

Dual-currency investment is a fixed-yield, non-principal-protected wealth product based on simple options derivatives, enabling investors to capitalize on market fluctuations through “buy low” and “sell high” strategies. Currently, dual-currency investments support 60 cryptocurrencies.

Dollar-cost averaging (DCA) wealth management is a classic strategy in traditional finance, suitable for users who cannot monitor markets long-term or prefer not to trade frequently. Gate’s DCA wealth products allow continuous purchase of assets at fixed intervals with fixed amounts, effectively smoothing investment costs and reducing market timing risks.

Market Dynamics and Platform Token Performance

As the digital asset wealth ecosystem becomes increasingly complete, investors are closely watching market trends, especially the performance of tokens closely linked to the platform ecosystem.

As an important part of the Gate ecosystem, the platform token GT (GateToken) has the following latest price performance: as of December 31, 2025, the spot price of GT is $10.38. Compared to the previous day, the price increased by +0.87%. Its current total market cap is $1.042 billion, with a circulating supply of 100 million GT. Historically, GT’s highest price was $25.94, and the lowest was $0.2575.

Price fluctuations reflect overall market sentiment, but more importantly, GT’s value, as the core token of the platform ecosystem, is closely linked to the development of Gate wealth management and other products.

Wealth Management Strategies and Platform Security

Facing a variety of wealth management products, users can choose according to their risk preferences. Conservative users can focus on stablecoins like USDD, GUSD, and select fixed-term wealth management products to enjoy steady annualized returns. Balanced users can combine mainstream digital assets like ETH, BTC, and stablecoins through fixed-term wealth management and innovative strategy products to balance returns and asset safety. Aggressive users can participate in high-yield innovative strategy products such as Layer 2 liquidity mining, Gate Fun on-chain projects, or emerging DeFi assets, pursuing high potential returns.

In terms of security, Gate Wealth employs multiple measures to protect user funds. All underlying assets of wealth management products are carefully selected and stored in secure cold wallets and multi-signature accounts. The platform also integrates real-time on-chain monitoring and smart contract risk control to maximize fund security, with each product undergoing multiple audits by top security teams. Gate has established a comprehensive on-chain real-time monitoring and risk control system capable of promptly detecting abnormal transactions and market price fluctuations, automatically triggering protective mechanisms.

Looking ahead, the development direction of Gate Wealth is clear: plans to launch more yield strategy products covering emerging sectors such as DeFi, NFTs, RWA, and to introduce AI risk control and smart investment advisors, providing users with more personalized wealth management solutions. From flexible coin-holding interest modes, to GUSD’s dual interest mechanism, to YubiBao’s instant redemption, Gate Wealth continues to expand its product matrix and improve its asset appreciation ecosystem.