Gate Financial Product Types Full Analysis: Principal-Protected Wealth Management, Variable Returns, and Target Audience Guide

In the era of diversified crypto asset allocation, Gate Finance has built a rich digital asset earning ecosystem, covering the complete product chain from capital preservation and stable returns to floating strategy-based yield products. Whether you are a holder seeking steady asset appreciation or an advanced user aiming to capture higher returns through market volatility, you can find suitable financial plans on the Gate platform. The following content provides a systematic overview of Gate financial products, helping users comprehensively understand different types of financial management, their features, and application scenarios.

Overall Structure of Gate Financial Products

Gate’s financial products can be mainly divided into two categories:

• Capital preservation products (stable returns, lower risk)
• Floating yield products (high potential returns, market risk involved)

These products are generally concentrated within Gate’s Earn / Simple Earn financial system, including flexible financial management, fixed-term investments, and structured tools.

Capital Preservation Products (Stable Strategies)

Flexible Financial Management (Flexible / YuBiBao)

Flexible financial management is the most basic and lowest-risk entry-level product in Gate Finance. Users can deposit idle crypto assets into the flexible financial pool to start earning interest in real-time, with support for anytime redemption and no lock-up period restrictions. Its features include:

• Real-time access, no minimum term requirement, high liquidity;
• Daily interest settlement, automatic accumulation of earnings;
• Suitable for users with high requirements for fund flexibility.

For example, as of recent, the funds managed by Gate’s YuBiBao have exceeded $2.8 billion USD, with USDT flexible financial management annualized yield reaching approximately 10.38% (based on 2025 data).

Applicable users: Asset holders who prefer to retain liquidity and avoid lock-up risks.

Fixed-Term Financial Management (Fixed-Term Simple Earn)

Fixed-term financial management is a more stable capital preservation product within Gate Finance, where assets are locked for a certain period (such as 7 days, 14 days, 30 days, etc.) to earn a preset annualized return. Compared to flexible financial management, fixed-term products generally:

• Offer higher yields;
• Require locking assets within the specified period;
• Return principal and earnings automatically upon maturity.

Use case: Users who deposit USDT or BTC into 7-day / 30-day fixed-term products to enjoy higher annualized yields than flexible options.

Applicable users: Investors seeking higher returns than flexible financial management and willing to lock assets temporarily.

Floating Yield Products (High Potential Strategies)

Beyond stable financial management, Gate Finance also offers a series of non-capital-preserving products with higher yield potential, suitable for users with market judgment or willingness to bear certain risks.

Dual Currency Investment (Dual Investment)

Dual Investment is a typical floating yield product in Gate Finance. It allows users to set target prices and directions (such as “sell high” or “buy low”) at the time of purchase. At maturity:

• If the market price reaches the target price, settlement is based on the target price;
• If not, users still receive a fixed interest income.

This mechanism is essentially a conditional interest strategy, which can generate higher returns than ordinary financial products during high market volatility, but also carries the risk of settlement in another currency.

Applicable users: Users with market trend prediction ability who wish to gain extra returns through market fluctuations.

Structured Financial Products

Structured financial management combines fixed income components with derivative financial instruments. Its main idea is to utilize features of price ranges, options, and other derivatives to construct yield curves. Gate’s structured financial products include various strategies such as Bullish, Bearish, and Range Smart Win.

These products are not capital-preserving: returns depend on the performance of the underlying assets and may result in lower-than-expected yields or principal fluctuations at maturity. They are suitable for users who understand market derivatives and are willing to accept related risks.

How to Choose the Right Gate Financial Product

When selecting financial products, consider the following factors:

• Risk tolerance: Risk-averse users should prefer flexible and fixed-term products; risk-tolerant users may consider dual currency investments and structured strategies.
• Liquidity needs: If you need to access funds at any time, prioritize flexible financial management; if you can lock funds for a period to obtain higher yields, consider fixed-term products.
• Market judgment and yield expectations: If you aim to profit from market volatility, floating yield products are more suitable; for stable income, capital preservation products are better.

Common Questions about Gate Financial Management

Are product yields fixed?

• Capital preservation products (like fixed-term investments) generally have fixed or within a reasonable fluctuation range;
• Floating yield products depend on market performance and preset conditions, and yields may be higher or lower than expected.

Can I redeem early?

• Flexible financial management supports anytime withdrawal;
• Fixed-term, dual currency, and structured products usually follow the product’s maturity rules.

Are there risks involved?

All financial products carry certain risks, especially floating strategy products; users should understand the rules and potential losses before participating.

Through Gate’s financial ecosystem, users can choose suitable products based on their risk preferences and asset planning:

• Capital preservation options (e.g., flexible and fixed-term investments) are suitable for conservative users;
• Floating yield options (e.g., dual currency investments, structured products) are suitable for users seeking higher returns through market fluctuations.

Regardless of the product chosen, it is recommended to participate prudently, aligning with personal investment goals and market conditions.