Gate Wealth Management Market Cycle Allocation Strategy: Analysis of the Portfolio of Savings Accounts, Fixed Deposits, and Structured Products

Gate Wealth Management has built a comprehensive configuration system covering savings accounts, fixed-term products, structured products, and on-chain yields. During different market cycle phases, the return characteristics and applicable scenarios of various products differ. Understanding these differences is a prerequisite for constructing investment portfolios that are adapted to cycle features.

Current Market Cycle: Structural Changes in the Post-Halving Window

In April 2024, Bitcoin completed its fourth halving, reducing the block reward from 6.25 BTC to 3.125 BTC. Historically, within 12 to 18 months after halving, markets often experience significant upward cycles, but this round shows different characteristics.

As of April 20, 2026, Bitcoin’s price is $74,450.9, with a 24-hour trading volume of $582.56M, a market capitalization of $1.49T, and a market share of 56.37%. Ethereum’s price is $2,278.34, with a market cap of $275.69B and a market share of 10.41%. Gate platform token GT is priced at $7.13, with a market cap of $778.37M.

This cycle exhibits typical “slow bull” features—gradual gains and reduced volatility—contrasting with the explosive enthusiasm seen in previous cycles. The driving force behind Bitcoin’s price has shifted from “halving-driven” to macro policy and institutional capital dual drivers. By Q1 2026, Bitcoin ETFs are generally experiencing net outflows, although some institutions continue to increase their holdings.

Meanwhile, Ethereum’s staking rate has surpassed 32%, reaching a historic high, and the on-chain yield ecosystem continues to expand. Against this backdrop, the opportunity cost of holding a single asset is rising. Incorporating idle funds into Gate’s wealth management matrix to manage them effectively becomes an efficient way to improve capital utilization.

Overview of Gate Wealth Management Matrix: Three Layers of Yield Structure

Gate’s wealth management segment can be divided into three main types based on principal protection mechanisms and yield sources.

Principal-protected products include Gate YuBiBao (savings accounts and fixed-term). The principal is unaffected by market fluctuations, and returns come from the platform’s built-in lending market. The interest paid by leveraged traders, after deducting platform service fees, is distributed to depositors.

Floating-yield products include Shark Fin (Range Smart Win) and dual-currency wealth management. These products are designed based on options structures, with returns linked to the performance of the underlying asset, but principal is protected by the platform’s risk control system.

On-chain yield products include PoS staking and DeFi integrations. Gate simplifies complex on-chain yield mechanisms into products that users can participate in with a single click, without running nodes or managing private keys themselves.

Phased Allocation Strategies: Product Combinations for Different Market Environments

High Volatility Phase: Build the Bottom Layer with Principal-Protected Products

When market direction is uncertain or prices are highly volatile, principal-protected products serve as the ballast of the portfolio.

Gate YuBiBao’s savings accounts support over 800 assets including USDT, BTC, ETH, GT, allowing deposits and withdrawals at any time. Daily settlement and automatic reinvestment are implemented. As of April 2026, the estimated annualized yield for USDT savings accounts fluctuates between 5% and 8%, with BTC around 5.63%, and ETH approximately 7.30%. For example, depositing 10,000 USDT with an annualized rate of 5.2% yields about 1.42 USDT daily, roughly 42.85 USDT monthly, and about 533.60 USDT annually.

Fixed-term wealth management suits funds with clear idle periods. Users can choose lock-up periods from 7 to 90 days, with annualized yields confirmed at purchase. For instance, recent USAT fixed-term products offer 7, 14, and 30-day lock periods, with annualized yields up to 15%, and a minimum purchase of 1.5 USAT.

The coin-holding interest feature supports mainstream tokens like BTC, ETH, GT, without lock-up, earning daily yields on spot holdings. Earnings are automatically distributed daily and added to the principal for compound growth.

Volatility Range: Structured Products Capture Range Gains

When the market exhibits wide fluctuations and directional judgment is difficult, Shark Fin (Range Smart Win) products are particularly attractive.

Shark Fin is a principal-protected floating-yield product. It sets a price range linked to the underlying asset, with daily observation of closing prices. If the price remains within the range, users enjoy higher yields; if it exceeds the range, they receive a guaranteed minimum yield, ensuring principal safety.

For example, as of April 20, 2026, Bitcoin’s 24-hour price range was between $73,716.6 and $76,243.6—this volatility is ideal for Shark Fin products. Users can select a range based on their volatility expectations.

Dual-currency wealth management is suitable for scenarios with clear buy/sell expectations. Users choose a settlement currency, specify a linked price and investment period, and regardless of price movements at maturity, they receive a fixed interest. Those expecting higher prices to sell BTC can choose “High Sell” products; those aiming to buy at lower prices can select “Low Buy” products.

Clear Trend Phase: Moderate Allocation of Floating-Yield Products

When market direction becomes clearer, investors can build on the principal-protected core with moderate allocations to floating-yield products to capture trends.

PoS staking services support tokens like ETH, SOL, DOT. Users delegate tokens to validators to earn network security rewards. Gate handles validator selection, reward collection, and related technical processes.

Holding GT also generates yields. The coin-holding interest feature allows spot GT holdings to earn daily yields. Additionally, VIP users enjoy tiered premiums on wealth management returns: standard USDT wealth management yields about 2.0% annually; VIP 5 to VIP 7 can enjoy 2.8%; VIP 8 to VIP 11 can go up to 3.2%.

Risks and Precautions

Participation in Gate wealth management requires attention to key points. Assets in fixed-term products cannot be redeemed early during the lock-up period; confirm that funds have no other uses during this time before subscribing. Final yields of floating products depend on actual asset price performance and may be lower than expected. On-chain yield products carry smart contract risks. All yields are dynamically adjusted based on market conditions; past performance does not guarantee future results.

Summary

Gate’s wealth management matrix covers a full range of products from principal-protected to floating-yield types. Different products are suited to different market environments and capital attributes—prioritizing savings accounts and fixed-term products during high volatility, focusing on structured tools like Shark Fin during oscillations, and moderately deploying on-chain yield products when trends are clear. The core logic is not to bet on a single strategy but to flexibly combine various tools within Gate’s wealth management matrix based on cycle phases and individual capital needs.