Gate Financial Products' Returns and Risks Revealed: Where Is Your Money Really Going?

As of January 21, 2026, according to Gate market data, the price of Bitcoin (BTC) is reported at $88,986.2, and Ethereum (ETH) is reported at $2,965.07. The market has recently experienced significant volatility. When the unilateral trend is unclear and the market presents a choppy situation, an increasing amount of capital is seeking to shift from passive holding to active wealth management to avoid risks associated with pure price fluctuations and to pursue more certain returns.

Market Environment and Wealth Management Motivation

The current crypto market exhibits a distinct characteristic of normalized volatility. According to Gate market data, Bitcoin’s market capitalization reaches $1.84T, and Ethereum’s market cap is approximately $387.58B. Both assets have experienced price corrections within the past 24 hours.

Market volatility has intensified investors’ risk-averse sentiment. Potential selling pressure from large token unlocks and macro policy uncertainties are prompting more funds to move from high-risk speculation to allocations seeking stable returns. On-chain capital flows also confirm this trend. For example, the staking queue time on Ethereum’s Beacon Chain once exceeded 30 days, clearly reflecting strong market demand for certainty in yields.

Gate Wealth Management Product Overview: Where Do Returns Come From?

In the face of complex markets, Gate has built a comprehensive and transparent wealth management ecosystem designed to meet the diversified needs of users with different risk preferences. Understanding the sources of returns for each product category is the first step toward making informed decisions.

Flexible Earn: This is a convenient feature launched by Gate. After a one-click activation, users’ held spot assets (such as BTC, ETH, GT, etc.) can automatically generate daily income without locking assets. The main source of returns comes from platform activities such as staking and lending of these assets, generating interest. The return calculation formula is open and transparent: Daily Return = Average Holding of Flexible Earn × Annualized Yield / 365.

Gate YubiBao: As an all-in-one flexible savings tool, YubiBao allows users to deposit and withdraw idle assets like USDT, BTC, etc., at any time. Its returns also derive from Gate’s professional asset management strategies, such as utilizing liquidity pools for market lending. Its advantages include compound interest, zero fees, and high liquidity, enabling T+0 instant redemption and seamless trading opportunities.

Stablecoins and Fixed-term Wealth Management: For investors seeking certainty, these products are core options.

• GUSD: This is a wealth management certificate supported by real-world assets such as U.S. Treasury bonds. Its returns are directly derived from U.S. bond interest and a share of Gate’s ecosystem profits. The initial annualized yield once reached 4.40%, providing a stable income channel connected to traditional financial markets.
• Fixed-term Wealth Management: Offers lock-up periods ranging from 7 to 360 days, with clear annualized yields. For example, the recently launched 0G fixed-term wealth management products offer higher yields for longer durations. Returns come from liquidity incentives provided by project teams or fixed lending interest.

Structured Products: Suitable for more advanced investors with some market judgment.

• Dual-Currency Investment: A non-principal-protected fixed income product. Returns depend on whether the linked currency’s price hits the target at maturity, allowing investors to capture excess returns within preset price ranges through “buy low, sell high” strategies.
• Shark Fin Products (e.g., Bullish Treasure): Principal-protected structured products. Investors have the chance to earn higher yields while maintaining principal, with returns linked to the performance of the underlying asset within specific observation periods.

Risk Perspective and Security Foundations

High returns are inevitably accompanied by corresponding risks. Transparency hinges on revealing these risks.

Market and Volatility Risks: All products linked to cryptocurrency prices (such as dual-currency investments and some fixed-term wealth management) face the risk of underlying asset price fluctuations. For example, if the market experiences a sharp unilateral trend, the total liquidation amount across the network in the past 24 hours reached $583 million, reminding investors to reasonably assess their risk tolerance.

Liquidity Risks: Fixed-term wealth management products cannot be redeemed during the lock-up period. Although Gate’s YubiBao and other flexible products offer high liquidity, extreme market conditions may pressure any platform’s redemption processing.

Credit and Counterparty Risks: The final returns of wealth management products depend on the performance of the underlying asset operators. Whether it is lending counterparties or project teams, their credit status directly impacts the realization of returns.

Gate’s Risk Control and Security Measures: To address these risks, Gate has established a multi-layered protection system. All underlying assets of wealth management products are carefully selected and stored in secure cold wallets and multi-signature accounts.

The platform employs real-time on-chain monitoring and smart contract risk controls to maximize fund security. Each product undergoes multiple audits by top security teams before launch, and all transactions are verifiable on-chain, ensuring high transparency of operations.

Dynamic Allocation: Building Personalized Crypto Asset Income Portfolios

After understanding product features and risks clearly, investors can construct wealth management portfolios based on their own circumstances. Here is a strategic framework reference based on different risk appetites:

Investors should treat wealth management as part of their overall participation in the Gate ecosystem. Wealth management activities help accumulate points, upgrade VIP levels, unlock higher-yield products, and participate in exclusive activities, creating a “yield enhancement-ecosystem participation-level growth” virtuous cycle. For example, high VIP users can participate in events like the “Gate VIP Airdrop Carnival” to earn rewards based on trading volume. Gate also continues to collaborate with top global brands (such as F1 Red Bull Racing) to expand the ecosystem boundary, bringing more innovation and opportunities to the community.

GT Ecosystem Empowerment: The Role of Platform Tokens in Wealth Management

GateToken (GT) is not only the functional token of the trading platform but also a key element deeply integrated into the wealth management ecosystem. As of January 21, 2026, GT’s price is $9.74, with a market cap of approximately $977.49M. Holding GT allows participation in holding-based income and earns basic yields. More importantly, GT is the key to accessing higher benefits. A higher GT holding amount correlates with higher VIP levels, which directly influence the maximum yield of fixed-term wealth management products and exclusive activity participation.

From a long-term ecosystem development perspective, Gate continues to implement token burn plans. For example, in Q4 2025, over 2.16 million GT tokens were transferred to burn addresses, with a total burned value exceeding $1.901 billion. This deflationary mechanism aims to support GT’s value in the long run. Multiple analysts hold an optimistic outlook on GT’s future. According to forecast data summarized by Gate’s official platform, based on historical patterns and ecosystem development, there is a bullish expectation for GT’s long-term price trend. However, these forecasts are for reference only; cryptocurrency prices are highly volatile, and investments should be made with thorough research and caution.

As the market fluctuates around Bitcoin $88,986.2 and Ethereum $2,965.07 levels, Gate’s wealth management toolbox offers investors multiple ways to navigate cycles. From no-lockup holding-based income, backed by real-world assets like GUSD, to structured products capturing volatility gains, each option clearly reveals the source of returns and associated risks. The wealth growth in the crypto world is gradually shifting from relying solely on price appreciation to more refined and active asset management.