#Gate闲钱宝自动生息享3%年化 If you don't want your idle U sitting uselessly in your account, come to Gate Idle Money 🔥🔥🔥🔥🔥🔥

Gate Idle Money officially launched: idle account funds automatically earn interest!
Gate officially launched its new idle stablecoin appreciation product, Idle Money.
After enabling Idle Money, the system will automatically calculate the eligible available balances of USDT, USDC, and other stablecoins in the account every day, allowing users to enjoy low-risk, principal-protected financial returns at the level of U.S. Treasury bonds. The current annualized yield is up to 3%. Users only need to manually enable the Idle Money feature; no repeated subscriptions or lockups are required, and the original account funds can still be used normally for trading.

What is Idle Money?
Idle Money is a stablecoin idle-fund appreciation service launched by Gate. After users enable it, the system takes a daily average snapshot of eligible USDT, USDC, and other stablecoins in their spot and futures accounts, and automatically participates in low-risk financial returns based on the effective balance.
The underlying returns of Idle Money mainly come from low-risk financial products such as U.S. Treasury bonds, money market funds, on-chain Staking, and RWA. The platform assumes the principal-protection risk for users and regularly publishes transparency reports on the underlying assets. After manual activation, users do not need to subscribe daily or exchange their assets; the original stablecoins remain in the account and can be used for trading at any time.

Product advantages
1. Hold stablecoins and earn interest, no subscription required
After enabling Idle Money, eligible USDT, USDC, and other stablecoins in the account can automatically participate in earning interest, with no need to manually subscribe or exchange other assets. The current annualized yield is up to 3%; the actual yield will be dynamically adjusted according to market conditions.
2. Funds remain available, enabling both trading and earning interest
Participating in Idle Money does not require lockups. The original stablecoins remain in the spot or futures account and can be used normally for trading, allowing users to maintain fund flexibility while earning returns.
3. Daily automatic snapshots, with returns credited automatically
The system automatically calculates eligible available stablecoin balances every day and calculates returns accordingly. The snapshot is completed on T day, returns are calculated and automatically distributed to the spot account on T+1, with no manual operation required.
4. Continuously expand use cases to improve capital efficiency
Idle Money will continue expanding use cases across the platform, allowing interest-earning assets to meet more trading and asset management needs while further improving capital efficiency.
5. Support from high-quality underlying assets
Idle Money returns mainly come from low-risk financial products such as U.S. Treasury bonds, money market funds, on-chain Staking, and RWA, providing a relatively stable source of returns for idle stablecoins in accounts while maintaining fund flexibility. The platform assumes the principal-protection risk for users and regularly publishes transparency reports on the underlying assets.

How to participate in Idle Money
Step 1: Enter Idle Money
Log in to the Gate App or Web and go to [Finance] - [Idle Money].
Step 2: Enable with one click
Click [Enable] to activate the Idle Money feature.
Step 3: Automatically earn interest
After activation, no repeated subscriptions or exchanges of other assets are required. The system will automatically calculate the eligible available balances of USDT, USDC, and other stablecoins in the account every day and participate in earning returns based on the effective balance.
Step 4: Returns credited
Returns are automatically distributed to the spot account on T+1, with no manual claiming required.

Snapshot and return rules
Idle Money uses a daily average snapshot mechanism to calculate the available balances of USDT, USDC, and other stablecoins in spot and futures accounts.

The following assets are not included in the effective balance:
Borrowed assets;
Assets frozen in open orders and assets used as margin

The system will calculate the corresponding returns based on the effective daily average balance and distribute them on T+1.