Gate expands stablecoin yield options in 2026

Gate has expanded its stablecoin and yield-product lineup as Bitcoin trading activity intensified in September, offering users several ways to earn returns on balances that might otherwise remain idle ahead of the Federal Reserve’s Sept. 17 policy decision.

The product range is built around a practical trading question: whether stablecoins held for potential market entries should remain instantly available or be committed to products offering higher, but more conditional, returns. Gate’s tools span no-lockup stablecoin programs, flexible savings accounts, on-chain staking, structured dual-currency products and a Treasury-linked real-world asset product.

That menu gives traders different options depending on how quickly they may need funds during sharp Bitcoin moves. Products with daily access can preserve trading flexibility, while fixed-term savings and dual-currency strategies may offer higher advertised annualized returns but introduce timing, conversion or lock-up risks.

Usd1 program offers daily rewards without a lock-up

Gate launched its USD1 yield program on July 29, 2026, allowing users to receive rewards simply by holding USD1 in an asset account. The minimum eligible balance is 1 USD1, and the program does not require a separate subscription or a fixed holding period.

The latest disclosed estimated annualized yield was about 7%, after reaching 8% and reporting higher levels of 15% to 20% earlier in the year. Those figures are estimates rather than guaranteed returns, and the decline from the first-half highs illustrates how yield levels can change as product terms, demand and underlying reward conditions evolve.

Gate calculates the reward through 24 hourly balance snapshots each day. Those readings produce an average daily balance, with the stated formula using that balance multiplied by the annualized rate and divided by 365. Yield begins accruing from the next day and is settled daily.

Rewards are paid in WLFI tokens, valued using the official market price at 15:00 UTC+8 on the distribution date. This means a user holding USD1 receives a yield payment denominated in a different digital asset, leaving the eventual value of that reward exposed to WLFI price movements.

The program also allows USD1 balances to remain usable for spot trading, Gate Alpha on-chain trading, other yield configurations and collateralized borrowing, according to Gate’s product description. That structure is designed to avoid forcing users to choose between earning yield and retaining immediate access to capital, although activity that reduces the average balance would also reduce the day’s reward calculation.

Trading-account yield targets idle usdt and usdc

Gate’s “闲钱宝” feature applies yield directly to available stablecoin balances in trading accounts, including spot and derivatives accounts. The service displayed base annualized rates of 1.50% for USDC and 3% for USDT, with an additional rate uplift linked to a user’s trading volume.

The feature uses a scheduled daily snapshot of eligible available balances. Funds do not need to be transferred into a separate wallet or locked for a set term, and interest is credited the following day based on the previous day’s effective balance and applicable trading-volume add-on.

Gate says the balances are mapped in its backend on a 1:1 basis to an asset certificate associated with returns from U.S. Treasuries. Its stated return sources also include money-market funds, on-chain staking and real-world asset products.

That mix places the product closer to a treasury-management tool than a conventional staking service. Yet users should distinguish between a displayed annualized rate and the assets and arrangements used to generate it. A stablecoin balance may be liquid within the trading account, but the return source can involve market, issuer, protocol and operational risks beyond the stablecoin itself.

Flexible savings and structured products widen the risk range

Gate’s flexible savings product, “余币宝,” displayed a USDT demand yield of 7.26% annualized including additional rewards. It also listed fixed-term USDT options of 4% for 30 days, 3.9% for 14 days and 3.8% for seven days.

The same product section showed annualized figures of 5.1% for BTC, 6.83% for ETH, 2.64% for SOL and 4.91% for TRX. Gate said the service covered nearly 1,000 assets and that managed balances had previously exceeded $2 billion.

Dual-currency products occupy a more complex part of the lineup. In-app quotations showed annualized ranges varying widely by term and strike price, from 1.09% to 739.41% for BTC and from 1.01% to 811.34% for ETH. SOL, XRP and DOGE were also listed with varying ranges.

Such headline rates reflect the product’s conditional design rather than a straightforward savings yield. Dual-currency products generally settle in one of two assets depending on the market price at expiry relative to a preset strike. A trader can therefore receive a high quoted return while ending up with a different asset than the one initially deposited, potentially after a substantial price move.

Treasury-linked gusd adds another stablecoin route

Gate also listed GUSD, described as a product supported by U.S. Treasury real-world assets and stablecoin assets. Its in-app reference annualized yield was 3.60%, with subscriptions supported in USDT, USDC and USD1 at a stated 1:1 rate. Gate described redemptions as fee-free.

The product’s displayed subscription total was 220 million GUSD. Gate previously said monthly GUSD subscriptions rose from about 182 million at the beginning of July to roughly 215 million by month-end, briefly surpassing 230 million.

The Federal Reserve’s Sept. 17 meeting adds a near-term test for products designed around liquidity. The supplied employment figures put August job creation at 162,000, above a 55,000 consensus estimate, while the unemployment rate was 4.1%. With rate expectations shifting between a hike and no change, traders holding stablecoin reserves may place a premium on products that provide daily accrual without restricting withdrawals.

Gate’s expanding set of offerings gives those balances multiple destinations, but the trade-off is clear: the highest displayed yields often come with the greatest complexity, including token-denominated rewards, fixed terms, conditional settlement or exposure to underlying yield strategies.