Idle Earn × Simple Earn Limited-Time Event Phase 3: Earn Up to 9% APR on USDT

Great returns are back for another round. A new USDT rate-up event is now live. During the event, users who meet the specified net deposit requirements and participate in Idle Earn or subscribe to Simple Earn USDT fixed-term products can enjoy up to 5.3% rate-up APR, bringing the total APR to 9%.

Event 1: Enable Idle Earn and Earn 5% APR

During the event, users who meet the USDT net deposit requirement and enable Idle Earn can enjoy up to 2% rate-up APR on top of the Idle Earn base yield.
Event Period: November 1, 2026, 23:00–December 1, 2026, 23:00 (UTC)

Rate-up Rules

1. The system checks each user’s cumulative net deposit from the start of the event through the current day. Users who meet the corresponding tier requirement will receive the applicable rate-up APR;
2. Only USDT net deposits are counted for this event;
3. The system takes hourly snapshots of each user’s eligible Idle Earn holdings to calculate their average eligible holdings for the day. The rate-up principal is the lower of the daily average eligible holdings and the principal cap for the applicable tier;
4. Users will only be eligible for the highest tier they qualify for. The rate-up APRs from different tiers cannot be combined;
5. Rate-up rewards will be automatically credited to the user’s Trading Account (Spot Account) on T+1, with no manual claim required;
6. If the cumulative net deposit as of the current day is below 10,000 USDT, the user will only receive the Idle Earn base yield;
7. The daily calculation period for eligible Idle Earn holdings and net deposits runs from 23:00 on the previous day to 23:00 on the current day (UTC).

Event 2: Simple Earn USDT Fixed Term—Earn 9% APR

During the event, VIP users who meet the corresponding cumulative net deposit requirement and subscribe to a Simple Earn USDT fixed-term product can enjoy up to 5.3% rate-up APR on top of the base APR, bringing the total APR to 9%.
Event Period: November 2, 2026, 08:00–December 2, 2026, 08:00 (UTC)

Rate-up Rules

1. At the time of subscription, the user’s cumulative USDT net deposit since the start of the event must meet the threshold for the applicable product and remain at or above that threshold until the order matures;
2. If the cumulative net deposit falls below the applicable threshold at any snapshot before maturity, the order will only earn the base yield and will not qualify for the rate-up reward;
3. Only USDT net deposits are counted for this event;
4. The USDT 7-Day Fixed-Term product offers a 5.3% rate-up APR on up to 100,000 USDT in principal. The USDT 30-Day Fixed-Term product offers a 2.1% rate-up APR on up to 1,000,000 USDT in principal. Any excess amount will earn the applicable product’s base APR;
5. Orders redeemed early are not eligible for rate-up rewards;
6. Rate-up rewards will be credited to the user’s account after the order matures and eligibility verification is completed;
7. Event product quotas are limited and available on a first-come, first-served basis.

Examples

Example 1: Net Deposit of 60,000 USDT and Eligible Idle Earn Holdings of 60,000 USDT
During verification on November 5, User A’s cumulative net deposit since the start of the event is 60,000 USDT, and their eligible Idle Earn holdings for the day are 60,000 USDT. Therefore, 50,000 USDT qualifies for the additional 2% rate-up APR.
The yield is calculated as follows:

• 0–50,000 USDT: 5% APR;
• Excess amount of 10,000 USDT: 3% APR.

Example 2: Net Deposit Remains at or Above 100,000 USDT Throughout the 7-Day Order Term
On November 5, User B subscribes to 120,000 USDT in the 7-Day Fixed-Term product. At the time of subscription, their cumulative net deposit since the start of the event is 100,000 USDT and remains at or above this amount until the order matures.
Therefore, 100,000 USDT of the order qualifies for the additional 5.3% rate-up APR.
The yield is calculated as follows:

• 0–100,000 USDT: 9% APR;
• Excess amount of 20,000 USDT: 3.7% APR.

Example 3: Withdrawal Before Maturity Causes the Net Deposit to Fall Below the Requirement
On November 5, User C subscribes to 120,000 USDT in the 7-Day Fixed-Term product. Their cumulative net deposit at the time of subscription is 100,000 USDT. However, they withdraw 60,000 USDT on November 7, causing their cumulative net deposit to fall below the required threshold during the order term.
Therefore, the entire subscribed principal will earn only the 3.7% base APR and will not qualify for the rate-up reward.

Example 4: Net Deposit Requirement Is Not Met at the Time of Subscription
On November 5, User D subscribes to 120,000 USDT in the 7-Day Fixed-Term product. At the time of subscription, their cumulative net deposit since the start of the event is only 40,000 USDT and does not meet the event requirement.
Although User D deposits another 60,000 USDT on November 7, the additional deposit cannot make the existing order eligible for the rate-up reward.
Therefore, the entire subscribed principal will earn only the 3.7% base APR.

Example 5: Rate-up Quota Is Released at Maturity and Can Be Used for a New Subscription
On November 5, User E subscribes to 100,000 USDT in the 7-Day Fixed-Term product and continues meeting the net deposit requirement throughout the order term. Once the order matures, the 100,000 USDT rate-up quota occupied by the order is automatically released.
On November 13, User E’s cumulative USDT net deposit remains at or above 100,000 USDT. After subscribing to the USDT 7-Day Fixed-Term product again, the eligible principal can continue earning 9% APR.

Example 6: Maturity After the Event Ends Does Not Affect Rate-up Eligibility
On November 20, User F subscribes to 1,000,000 USDT in the 30-Day Fixed-Term product during the event. At the time of subscription, their cumulative USDT net deposit is at least 1,000,000 USDT.
Although the order matures on December 20, after the event has ended, it was placed during the event and the user maintains the net deposit requirement throughout the order term.
Therefore, the eligible 1,000,000 USDT principal will still receive a 2.1% rate-up APR, bringing the total APR to 6%.

Notes

1. Net Deposit = Cumulative Deposits During the Event − Cumulative Withdrawals During the Event. Internal transfers on the platform are not counted as deposits;
2. Event product quotas and rate-up rewards are limited. Details are subject to the event page;
3. For Event 2, each order’s rate-up quota is determined by the user’s remaining individual event quota when the order is placed. Once confirmed, the quota remains unchanged until maturity. After the order matures, the occupied quota is automatically released;
4. Withdrawals, redemptions, or adjustments to holdings during the event may affect the applicable rate-up tier or invalidate rate-up eligibility;
5. To protect the interests of all participants and maintain fairness, participation through multiple accounts or subaccounts and other fraudulent activities is strictly prohibited. Violations will result in immediate disqualification;
6. Risk Warning: Cryptocurrency trading is affected by various factors, including market conditions and policies. The market is highly volatile, and price fluctuations are unpredictable. Please be aware of market risks and trade cautiously;
7. Users in the UK and other restricted regions cannot access this service. Please refer to the User Agreement for details;
8. Gate reserves the right of final interpretation of this event.

Gate Team
November 2, 2026

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