I’ve got 100k U sitting in my account, set aside for new listings. Is it a lot? Not exactly. Is it too little? Also not. It occupies my spot for new listings, so I can’t乱 move it. But it’s just been lying there—watching it day after day really bugs me. 100k U—if it were in a bank, even in a regular demand deposit, it would at least be earning something here it’s purely idle, which is basically wasting it.

I just saw @Gate_zh post an announcement: the U in the stock account and the USDx in the CFD account can now automatically accrue interest.
What’s good about this? The money doesn’t need to be moved. It sits where it is and earns interest. Nothing is locked, nothing is pledged. If I need to apply for a new listing, buy stocks, or transfer funds, I can withdraw anytime without taking a single cent’s loss. The daily earnings are credited to the spot account, and you don’t even have to touch anything. Previously, if you wanted those 100k to earn interest, you had to manually move them into wealth management—and after the activity ended, you’d also have to hurry to move them back. Moving back and forth is exhausting. Now it’s省了.
Also, it’s the first in the whole network to provide automatic interest for the U in a stock account and USDx in a CFD account. I’ll admit that exclusive—it doesn’t exist at other places. I dug into the rates: tiered. Over $100k 3%; $500k to $100k 2.7%; $100k to $500,000 2.4%; $10,000 to $100k 1.8%; $1,000 to $10,000 1.2%. My 100k—guess how much? 1.8%. It’s only a tiny bit off. I have to point out something here: the pit is in the details. The tier says “$100k to $500,000” to get 2.4%, but mine is exactly $100k, right at the top of the lower tier. That means if I add just 1 more U to cross over $100k, the interest rate instantly jumps from 1.8% to 2.4%. It’s just that one little step. At 1.8%, 100k a year is 1,800 U. At 2.4%, it’s 2,400 U. The difference is 600 U, and it’s because I got capped right on the line.
So if I really open it, I’d probably top up a bit so it goes above that $100k threshold. Getting a few extra hundred U isn’t that a freebie? I’ve used Interactive Brokers before: your first 10,000 still doesn’t earn interest, and with net assets under 100k you can’t even reach the 3% edge. On Gate, interest starts from as low as $1,000—compared to that, the entry barrier is really low. There are a few things you need to check clearly—don’t ignore it: the interest rates for the two accounts are calculated separately; they may not be combined. All my 100,000 is in the stock account, so I’ll just follow the stock account rules. Whether the funds frozen for new listings and the margin occupied by CFD count into the interest base isn’t clearly stated in the announcement—go check the page rules yourself. The interest is marked as a “reference value,” so it can be adjusted anytime.
Anyway, I’ve opened it. I topped up the balance so it’s over the $100,000 line. These 100,000 still need to wait for its new-listing window, but from today—while it’s just lying there—it gives me a bit more than 6 U per day. In a year, it’s under 2,000 U. Not a lot, but the money was originally supposed to sit there waiting anyway. I don’t mind that it’s free 😂