Gate Yubi Bao USAT Fixed-term Investment: Up to 15% Annualized Return Plan

Gate USAT Time Deposit Products Have Recently Launched on the Platform. This activity offers three lock-up periods: 7 days, 14 days, and 30 days, with annualized yields reaching up to 15%. Users can participate with a minimum of just 1.5 USAT. Limited quotas are available on a first-come, first-served basis. The subscription period runs from March 27, 2026, 16:00 to April 27, 2026, 16:00 (UTC+8).

USAT is a compliant stablecoin primarily backed by short-term U.S. Treasury bonds, pegged 1:1 to the US dollar, designed specifically for institutional-level on-chain settlement and fund management. By depositing it into Gate’s Time Deposit products, users can earn relatively stable returns during periods of asset idle time.

Gate Time Deposit

Gate Time Deposit is a flexible crypto asset management tool launched by the platform. Users deposit assets that are temporarily not in use, and the system automatically connects to Gate’s built-in lending market to match 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 Time Deposit supports over 800 digital assets, covering mainstream coins and various popular assets. The regular annualized yield for flexible products ranges from 4.2% to 6.8%, fluctuating dynamically with market lending demand.

Fixed-term financial products are one of the core offerings of Gate Time Deposit. Users lock assets for a specified period to earn higher annualized returns than flexible products. The product terms include 7 days, 14 days, and 30 days, with different assets offering varying yields.

Background of USAT Asset

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 U.S. GENIUS Act regulatory framework. Unlike Tether’s well-known USDT, USAT is issued by federally chartered Anchorage Digital Bank, with reserve assets managed by renowned financial institution Cantor Fitzgerald.

USAT commits to investing 100% of user funds in USD and high-liquidity assets such as short-term U.S. Treasury bonds, 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 on-chain settlement and fund management.

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

Details of USAT Fixed-Term Investment Plan

The USAT fixed-term products launched on Gate Time Deposit offer three lock-up periods for users to choose from:

• 7-day lock-up period: Suitable for short-term idle funds, with funds locked for 7 days. Upon maturity, principal and earnings are automatically transferred to the spot account.
• 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 funds, offering the highest annualized yield in this activity.

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

Please note that this is a limited-time product with a capped quota. Users are advised to monitor subscription status during the activity period. Before participating, understand that assets cannot be redeemed early during the lock-up period.

Earnings Calculation

For example, subscribing to 1,000 USAT with an annualized yield of 15%:

Note: The above earnings are simplified estimates, not considering compound interest; actual returns are based on product display and settlement results.

Earnings are calculated according to Gate Time Deposit’s standard rule: Daily earnings = current principal × (annualized yield ÷ 365). The yield for fixed-term products is confirmed at the time of purchase and is unaffected by market lending demand fluctuations during the lock-up period.

How to Participate

Steps to participate in Gate Time Deposit USAT fixed-term products:

Step 1: Log in and access the financial page

Log in to Gate’s official website or app, find the “Financial” section in the navigation bar, and click to enter the “Time Deposit” product page.

Step 2: Select the USAT fixed-term product

Find the USAT fixed-term option in the product list and click “Subscribe” to view details.

Step 3: Choose lock-up period and confirm subscription

On the subscription page, select 7 days, 14 days, or 30 days lock-up, enter the amount you wish to deposit (not less than 1.5 USAT), and the system will display the estimated earnings. Confirm the information and submit the subscription.

Step 4: View holdings and earnings

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

Conclusion

Gate Time Deposit USAT fixed-term products offer stablecoin holders a way to earn fixed annualized returns during the lock-up period. Different lock-up periods cater to various liquidity needs, allowing users to choose based on their fund plans. Before participating, it is recommended to carefully read the product rules and understand that assets cannot be redeemed early during the lock-up period.