Gate Finance Launches USD1 for Interest on Coin Holdings: Up to 20% Annualized Returns

As of June 10, 2026, according to Gate market data, the price of Bitcoin is 61,699.2 USD, and the change over the past 30 days is -10.73%. The price of Ethereum is 1,638.92 USD, and the change over the past 30 days is -5.70%. The overall market is showing a consolidation trend, and investors’ demand for balancing asset liquidity with steady returns has risen significantly. During periods when the market direction is unclear, how to keep crypto assets generating value continuously while maintaining flexibility has become a core concern for many users.

The coin-holding interest-earning feature in Gate’s wealth management system provides an asset appreciation solution without lock-up. Since this feature launched, it has covered more than 20 mainstream crypto assets, including USDT, BTC, ETH, SOL, and others. Recently, Gate’s coin-holding interest-earning feature officially launched USD1 and opened a limited-time wealth management promotion. Users holding USD1 can participate in this program, with up to 20% annualized yield.

USD1 Coin-Holding Interest Activity Details

According to Gate’s official announcement, the USD1 coin-holding interest-earning activity officially started on June 9, 2026. During the activity period, users who hold USD1 in their asset accounts can automatically participate in the yield program without any additional actions.

Core activity parameters:

• Participating asset: USD1
• Annualized yield: up to 20%
• Minimum holding requirement: 1 USD1
• Lock-up requirement: none—no lock-up is required; assets remain flexible and available

The annualized yield will be adjusted daily based on the remaining reward budget for the month and the platform’s total effective USD1 holdings. The updated annualized yield will be announced at around 14:00 (UTC+8) each day, and users can view the latest data on the Gate coin-holding interest-earning page.

USD1 Background

USD1 is a USD-pegged stablecoin issued by World Liberty Financial. Its core mechanism is fully collateralized using U.S. short-term Treasury bills and cash equivalents, with the aim of maintaining a stable 1:1 peg to the U.S. dollar. As a stablecoin backed by reserves, USD1 achieves the same price stability as traditional cash in digital form on-chain.

As of June 2026, USD1 has been listed on multiple major exchanges and is live on multiple blockchains, including Ethereum, BNB Chain, Tron, Solana, and others. Its cross-chain deployment enables higher on-chain liquidity and ecosystem compatibility.

Earnings Calculation and Distribution Rules

Earnings calculation formula:

Daily earnings = Average holdings × Annualized yield (APR) / 365

Snapshot mechanism:

The system takes a snapshot of USD1 balances once every hour; 24 snapshots are taken per day.

• Unified account mode: the snapshot scope is trading accounts
• Classic account mode (non-unified): the snapshot scope includes spot accounts, perpetual contract accounts, delivery accounts, and options accounts
• USD1 held in wealth management accounts (such as flexible savings or fixed-term wealth management products) is not included in the snapshot scope

The system calculates the average holdings based on the 24 snapshots, and earnings will be distributed to users’ asset accounts the next day.

First earnings distribution time:

For the coin-holding interest-earning feature, the first earnings distribution occurs between 08:00 and 16:00 (UTC+8) on the day after the feature is activated. After that, earnings are distributed to the asset accounts daily. Due to factors such as network delays or system calculations, there may be delays in the distribution of earnings.

Holding Limits

To participate in USD1 coin-holding interest-earning, users must meet the minimum holding requirement (1 USD1). Meanwhile, there is also an upper limit on the holding amount eligible for earnings calculation; any portion exceeding the limit will no longer earn additional rewards. For the latest standards, please visit the Gate coin-holding interest-earning page.

Dynamic Adjustment Mechanism for Annualized Yield

During the activity, the annualized yield is not a fixed value. It is adjusted daily based on the remaining reward budget for the month and the platform’s total effective USD1 holdings. The specific adjustment logic is as follows:

• Fixed reward budget: the total reward pool for the month is set in advance
• If the number of holders increases, the reward allocated per user decreases, and the annualized yield is adjusted downward accordingly
• If the number of holders decreases, the reward allocated per user increases, and the annualized yield is adjusted upward accordingly

This mechanism is designed to ensure fairness and align the distribution of returns with the actual participation scale.

Breakdown of the Core Coin-Holding Interest Mechanism

Gate’s coin-holding interest in wealth management is an innovative way to grow assets. Users only need to hold qualifying tokens in spot or contract accounts and enable the feature; the system will automatically calculate holdings and distribute earnings.

Key features:

• No lock-up: assets can be traded or withdrawn at any time, without affecting normal usage
• Earn by holding: by simply holding qualifying tokens, the system automatically accrues interest
• Daily compounding: earnings are paid daily and automatically added to the principal

Coin-holding interest differs fundamentally from traditional fixed-term wealth management products. Traditional products usually require users to lock their assets for a period during which the assets cannot be used. Coin-holding interest allows users to keep earning returns continuously without affecting trading or withdrawals.

Overview of Supported Assets for Gate’s Coin-Holding Interest

In addition to the USD1 activity, Gate’s coin-holding interest feature in wealth management has long supported multiple mainstream crypto assets, and some coins’ annualized yield estimates are as follows:

| Asset | Estimated annualized | Type | | --- | --- | --- | | USDT | 0.65% | Contract | | BTC | 0.15% | Spot | | ETH | 0.85% | Spot | | SOL | 2.70% | Spot | | POL | 1.30% | Spot | | SUI | 0.51% | Spot | | ALGO | 2.43% | Spot |

Note: The annualized yields above are for reference. Actual yield may change daily. Please refer to the figures displayed on the Gate coin-holding interest-earning page.

Participation Process

Web steps:

1. Log in to your Gate account and enter the coin-holding interest-earning page
2. Confirm that USD1 has been deposited into your asset account
3. Click the activation button on the coin-holding interest-earning page

Enabling directly in spot accounts:

Go to your spot account, find the tokens that support coin-holding interest-earning, click the coin-holding interest-earning button below. Once the button turns green, the feature is successfully enabled.

After users activate the feature, the system will take snapshots of eligible tokens and calculate earnings starting the next day.

Relationship with the Gate Ecosystem

Gate’s wealth management product matrix continues to expand, and coin-holding interest works in synergy with other products in the Gate ecosystem. Users can accumulate earnings through coin-holding interest and then use the earnings to participate in Launchpad subscriptions for new projects, flexible savings products, or other wealth management products—further improving capital efficiency.

Risk Warning

When participating in USD1 coin-holding interest-earning, please be aware of the following risk factors:

• USD1, as a stablecoin, is collateralized with assets such as U.S. short-term Treasury bills, but there is still a risk of price fluctuations
• Risk of technical vulnerabilities in smart contracts
• Stablecoin regulatory policies may change, affecting USD1’s issuance and redemption mechanisms
• The displayed annualized yield is an estimate and is not a guaranteed return
• The actual reward value may vary with fluctuations in the USD1 market price

Cryptoasset trading is influenced by many factors such as market conditions and policies, resulting in significant market volatility; it is difficult to predict price increases or decreases.

Conclusion

Against the backdrop of ongoing development in the crypto market, users’ dual needs for both asset flexibility and return generation have become increasingly prominent. Gate’s coin-holding interest-earning feature, with its no-lock-up design, offers an asset appreciation option that balances liquidity and yield. This USD1 limited-time activity further enriches users’ wealth management choices with up to 20% annualized yield and a low entry threshold of 1 USD1. Users can assess whether to participate based on their own asset allocation needs, after fully understanding the product mechanism and risks.