Against the backdrop of normalized volatility in the cryptocurrency market, relying solely on trading for profit requires not only expertise and a significant amount of time but also poses high risks. Gate’s wealth management has comprehensively upgraded its product matrix in the fourth quarter of 2025, providing users with a one-stop solution for the appreciation of crypto assets through a diversified range of wealth management products and innovative features.
GUSD Financial Certificate: A Bridge Connecting Traditional Finance and the Digital World
In August 2025, Gate officially launched the new financial certificate GUSD, which is a digital financial certificate backed by real-world assets (RWA) such as U.S. Treasury bonds.
The value foundation of GUSD is based on real low-risk assets—such as U.S. Treasury bonds, high-quality dollar reserves, and short-term notes. This model not only brings stable returns but also establishes new industry standards in terms of safety and transparency.
Users can use the "On-chain Earnings" feature on the Gate platform to mint GUSD at a 1:1 ratio with USDT or USDC. After minting, users immediately gain eligibility for earnings, with an initial annualized yield of 4.40%. The earnings mainly come from U.S. Treasury interest and a portion of the profit-sharing from the Gate ecosystem.
What is even more striking is that when users invest GUSD into Gate’s Launchpool financial products, they can not only earn the returns from the product itself but also simultaneously gain minting rewards from GUSD, achieving a double interest accumulation.
GUSD has also been incorporated into Gate’s unified account margin system, allowing users to use GUSD for leveraged trading, lending, wealth management, and other multi-scenario applications.
Diverse financial product matrix: catering to different risk preferences
Whether you are a conservative or aggressive investor, Gate wealth management can provide matching product options.
Yu Bi Bao: Balancing between demand deposits and fixed deposits
Yubi Treasure provides a low-risk, stable principal-protected investment path, supporting both current and multi-day fixed terms (currently available products are 7, 14, and 30 days), covering nearly a thousand types of encryption currency.
Taking USDT flexible wealth management as an example, the annualized yield can reach up to 6.8%, allowing users to obtain stable returns while maintaining liquidity of funds.
Recently, Yu Bi Bao has launched the immediate redemption and automatic reinvestment features for fixed-term assets, allowing users to receive funds in real time upon redemption, making it a unique offering in the entire network.
Dual-Currency Investment: A Tool for Capturing Market Volatility
Dual currency investment is a fixed income, non-principal protected financial product. Based on a simple options-derived financial mechanism, it allows investors to capture profit opportunities in market fluctuations through "buy low" and "sell high" strategies.
Regardless of market direction, investors can earn higher interest income, enhancing overall capital return ability. Currently, dual-currency investment supports 60 types of encryption currencies.
Regular Investment: A Steady Strategy That Doesn’t Require Timing
For users who cannot monitor the market for a long time and are unwilling to trade frequently, dollar-cost averaging has always been a classic strategy in the traditional financial sector.
The fixed investment financial product launched by Gate continuously buys assets at a fixed amount at fixed times, avoiding the impact of market fluctuations on a single investment and effectively averaging the investment cost.
According to backtesting data from 2021 to 2024, the dollar-cost averaging strategy outperforms the lump-sum investment strategy in most market phases.
Contract Points System: Innovative Incentives for Behavior Monetization
In October 2025, Gate officially launched the contract points system, reconstructing the incentive logic through "behavioral points" and attempting to shift from rewarding trading volume to rewarding ecosystem participation.
The system is mainly composed of three parts:
- Trading Points: You can earn 1 point with a trading volume of 400 USDT, up to a maximum of 16 points corresponding to 13 million USDT.
- Balance Points: Calculated based on daily asset snapshots, USDT and BTC balances accumulate at 1-4 points per day.
- Invitation Points: Invite 1 to 3 new users to receive 1 to 3 points respectively.
Points have a validity period of 15 days and follow a "first in, first out" consumption rule. This means that points are "perishable," and users need to remain active to achieve long-term benefits, thereby naturally forming a positive cycle.
From the perspective of the earnings structure, the stable single integral yield is approximately 2 USDT, providing the system with a reference value anchor.
Security and Experience: A Solid Guarantee for the Financial Management Ecosystem
In the field of digital asset management, security and risk control capability are the core factors that users care about the most. Gate wealth management adopts multiple measures to ensure the safety of user funds in this regard.
All Gate financial products have their underlying assets strictly selected and stored in secure cold wallets and multi-signature accounts. With real-time on-chain monitoring and smart contract risk control, we maximize the protection of user funds.
In addition, Gate has established a comprehensive on-chain real-time monitoring and risk control system that can promptly detect abnormal transactions and market fluctuations, and automatically trigger protective mechanisms.
In terms of fund usage, the funds for wealth management products are only used for low-risk quantitative strategies or DeFi liquidity provision, avoiding leveraged operations to ensure the stability of the source of returns.
Summary
Looking at the latest developments in Gate finance, the platform is moving towards a more secure, diverse, and ecological direction.
In the future, Gate plans to launch more yield strategy products covering emerging sectors such as DeFi, NFTs, and RWA, and introduce AI risk control and intelligent investment advisors to provide users with more personalized financial solutions.
For investors, against the backdrop of normalized fluctuations in the digital asset market, this robust and flexible asset appreciation scheme offered by Gate is becoming an increasingly noteworthy choice.
Whether you are an experienced cryptocurrency investor or a newcomer just starting out, you can find suitable asset appreciation methods in Gate wealth management according to your own risk preferences and investment goals.
