Gate 余币宝 USAT 定期理财：年化最高 15% 收益方案

Gate Coin Savings has recently launched the USAT fixed-term financial products. This activity offers three lock-up periods of 7 days, 14 days, and 30 days, with an annualized return rate of up to 15%. Users can participate with a minimum of only 1.5 USAT, limited quotas, first come, first served. Subscription period is from March 27, 2026, 16:00 to April 27, 2026, 16:00 (UTC+8).

USAT is a compliant stablecoin primarily backed by short-term US Treasury bonds, pegged 1:1 with the US dollar, designed specifically for institutional-level on-chain settlement and fund management. By depositing it into Gate Coin Savings fixed-term products, users can earn relatively stable returns during periods of asset idleness.

Gate Coin Savings

Gate Coin Savings is a flexible crypto asset management tool launched by the platform. Users deposit assets that are temporarily not involved in trading, and the system automatically connects to the built-in lending market on the Gate platform, matching borrowers with leverage needs. The interest paid by borrowers, after deducting platform service fees, is fully distributed to the depositing users.

As of April 2026, Gate Coin Savings supports over 800 digital assets, covering mainstream coins and various popular assets. The regular annualized yield range for flexible products is between 4.2% and 6.8%, fluctuating dynamically with market lending demand.

Fixed-term financial products are one of the core product forms of Gate Coin Savings. Users lock assets within a specified period to obtain higher annualized returns than flexible products. The product durations include 7 days, 14 days, 30 days, etc., with different assets offering varying yields.

USAT Asset Background

USAT was officially launched in the United States at the end of 2025 by Tether, the world’s largest stablecoin issuer, and is the first stablecoin fully compliant with the US GENIUS Act regulatory framework. Unlike Tether’s well-known USDT, USAT is issued by the federally chartered Anchorage Digital Bank, with reserve assets managed by the renowned financial institution Cantor Fitzgerald.

USAT commits to investing 100% of user funds in USD and short-term US Treasury bonds and other highly liquid assets, fully aligned with the requirements of the GENIUS Act. Its core positioning is not as a yield tool but as an “on-chain cash equivalent” for institutional-level on-chain settlement and fund management.

As of April 14, 2026, USAT’s price remains stably pegged at approximately $1.00. Previous data shows that the circulating supply of USAT is about 20,002,050 tokens, with a total market value exceeding $20,012,407.

USAT Fixed-term Financial Plan Details

The USAT fixed-term financial product launched on Gate Coin Savings offers three lock-up periods for users to choose from:

• 7-day lock-up period: suitable for short-term idle fund management, funds are locked for 7 days after subscription, and principal plus returns are automatically credited to the spot account upon maturity.
• 14-day lock-up period: balances yield and flexibility, suitable for users with medium-term idle plans.
• 30-day lock-up period: suitable for long-term idle fund management, offering the highest annualized yield in this activity.

In this activity, the USAT fixed-term financial product’s annualized yield can reach up to 15%, making it competitive among stablecoin financial products. The minimum subscription threshold is only 1.5 USAT, allowing users to flexibly choose lock-up periods based on their funds.

It should be noted that this activity is a limited-time product with a finite quota. Users are advised to monitor subscription status promptly during the activity period. Participants should fully understand the rule that assets cannot be redeemed early during the lock-up period.

Earnings Calculation

Taking a subscription of 1,000 USAT as an example, calculated at an annualized yield of 15%:

Note: The above earnings are simplified estimates, excluding compound interest effects; actual earnings are subject to the product page display and settlement results.

Earnings are calculated based on Gate Coin Savings’s uniform rule: daily earnings = current principal × (annualized yield ÷ 365). The yield during the lock-up period is confirmed at the time of subscription and is unaffected by market lending demand fluctuations during the lock-up.

How to Participate

Steps to participate in Gate Coin Savings USAT fixed-term financial products:

Step 1: Log in and access the financial page

Log in to the Gate official website or app, find the “Financial” entry in the navigation bar, and click to enter the “Coin Savings” product page.

Step 2: Select the USAT fixed-term financial product

Find the USAT fixed-term option in the product list and click “Subscribe” to enter the detail page.

Step 3: Choose lock-up period and confirm subscription

On the subscription page, select 7 days, 14 days, or 30 days lock-up period, input the amount to deposit (not less than 1.5 USAT), and the system will display the estimated returns. After confirming the information is correct, submit the subscription.

Step 4: View holdings and earnings

After successful subscription, assets will transfer from the spot account to Coin Savings. Users can view principal, lock-up expiry date, and estimated earnings in “Holdings” or “Financial Records.” Upon maturity, principal and earnings will be automatically credited to the spot account.

Conclusion

Gate Coin Savings USAT fixed-term financial products provide stablecoin holders with a fund management option to earn fixed annualized returns during the lock-up period. Different lock-up periods cater to various liquidity arrangements, allowing users to choose according to their funds plan. Before participating, it is recommended to carefully read the product rules and fully understand that assets cannot be redeemed early during the lock-up period.