Gate Wealth Management 2025 Year-End Review: Steady Growth Strategy with Up to 100% Annualized Return

According to Gate market data, the current price of Bitcoin is $87,434.4, down 0.32% in the past 24 hours, and market volatility has become the norm. Against this backdrop, investing idle assets into financial products to obtain sustainable and steady passive income has become an increasingly popular choice among savvy investors.

Gate Financial completed a comprehensive upgrade of its product matrix in Q4 2025, offering not only diversified options from flexible to innovative strategies but also connecting users with stable yields from real-world assets (RWA) through innovative products like GUSD.

01 Gate Financial Product Matrix Overview

Digital asset financial management has long gone beyond simple “holding coins to earn interest.” Gate has built a complete ecosystem centered on security, flexibility, and high returns, capable of satisfying investors with different risk preferences from conservative to aggressive.

Flexible financial products are the best guarantee for liquidity. For example, USDT flexible financial products can offer an annualized yield of up to 6.8%, with daily settlement, allowing funds to appreciate continuously while maintaining high liquidity.

Fixed-term financial products provide more stable and predictable returns. The product terms include 7 days, 30 days, and longer. Gate has also designed a VIP tiered earning mechanism for high-net-worth users.

For instance, VIP 0-4 users can enjoy an annualized yield of 2% on 7-day USDT products, while VIP 12-14 users can enjoy yields as high as 4%.

Innovative strategy products are platforms for investors seeking higher returns, covering opportunities such as participation in DeFi, Layer 2 liquidity mining, and subscription to popular projects.

Dual-currency investment, as a fixed-income, non-principal-protected product based on options derivatives, helps investors capture profit opportunities through “buy low, sell high” strategies amid market fluctuations. Currently, it supports over 60 cryptocurrencies.

02 GUSD: Connecting Traditional Finance with Stable Yields

In 2025, Gate launched GUSD, a major breakthrough in its digital financial innovation. It is a digital financial certificate supported by real-world assets such as U.S. Treasury bonds.

Its value is backed by real low-risk assets, with yields mainly derived from U.S. debt interest and a share of Gate’s ecosystem profits, initially offering an annualized yield of 4.40%.

Its core advantage lies in “dual interest stacking”: users can automatically earn yields simply by holding GUSD in their wallet or financial account; if GUSD is invested in Gate Launchpool or other financial products, they can earn double the returns.

03 Market Fluctuations: Yield Comparison and Choice

During asset price volatility, choosing the right financial strategy is more important than market timing. Gate’s rich product lineup allows users to flexibly allocate according to market conditions and personal preferences.

Market turbulence: Stablecoin financial products are the first choice for risk hedging. For example, participating in fixed-term financial products with USDT or GUSD can provide predictable annualized returns away from market swings.

Market uptrend: Some profits can be transferred into “Dual-currency Investment” or “Innovative Strategy” products to take advantage of excess returns while managing controllable risks.

Long-term optimism but short-term confusion: “Dollar-cost averaging” is a classic strategy. Continuously buying assets at fixed intervals with fixed amounts can effectively average costs and avoid risks associated with single investment decisions.

Table: Quick Overview of Gate’s Main Financial Products

04 Seize the Year-End High-Yield Window: Double Holiday Benefits Event

For investors aiming to maximize capital efficiency before year-end, there is a prime opportunity now. Gate launched the “Double Holiday Benefits” limited-time event on December 25, running until January 4, 2026.

During the event, users who register will receive a 5% annualized interest coupon. New users can enjoy even more generous benefits, with 100% annualized yield on USDT financial products.

Additionally, participating in fixed-term financial products with USDT, BTC, or ETH can unlock up to 3.8% annualized yield. All participants have a chance to win prizes through a lottery, with 100% winning rate, and a guaranteed reward of $50 cash.

05 How to Safely Take the First Step in Financial Management

In the world of digital assets, security is the foundation of financial management. Gate has implemented multiple measures to safeguard user funds: all underlying assets of financial products are carefully selected and stored in secure cold wallets and multi-signature accounts.

Coupled with real-time on-chain monitoring and smart contract risk control, risks are minimized. Before launching each product, it undergoes multiple audits by top security teams.

For new users, a prudent starting strategy is to allocate some idle USDT into “Yubi Bao Flexible” or “Fixed-term Financial,” enjoying the current high-interest rates while experiencing daily interest accrual.

Subsequently, users can gradually learn about GUSD’s minting and yield mechanisms, try to allocate a portion of assets, and earn stable yields backed by real-world assets.

When Bitcoin fluctuates around $87,434.4, GUSD holders on the Gate platform are quietly enjoying a 4.40% annualized yield. Meanwhile, users participating in the Double Holiday Benefits event see their yield curve steepen thanks to a 5% interest coupon.

Within Gate’s unified account system, financial management is no longer an isolated operation. Financial yields can be used to subscribe to popular projects, and points earned from financial activities can be exchanged for fee discounts. Here, the platform is evolving from a trading venue into a complete ecosystem that enables digital assets to appreciate and grow autonomously through cycles.