懶人理財不再難？調研Gate交易所4類理財產品，解鎖“低門檻、高效率”投資模式

Author: Weilin, PANews

As the price of Bitcoin once again broke through $120,000, setting a new record high, this crypto asset, once regarded as a "speculative frenzy", is gradually evolving into a core financial asset for long-term investment. After years of drastic fluctuations and market evolution, the crypto market is entering a new, more mature but also more complex stage.

However, not every user has the ability or time to closely track the market and accurately grasp the buying and selling opportunities. For ordinary investors who lack professional knowledge and find it difficult to operate frequently, "lazy financial management" has become a more realistic choice, and many exchanges have launched related products. The diversified financial products launched by the crypto exchange Gate are tailored for various users: whether it is Yubibao's low-risk return model, or structured tools such as on-chain coin earning, dual-currency investment, and fixed investment, they all provide a way to participate in the growth dividend of the crypto market without tedious operations.

Yubibao: Balance between current and fixed deposits, redemption is immediate

In the traditional financial market, bank demand deposits are usually regarded as a "transit station" for funds - low-risk, flexible and safe. In the field of encryption, Gate's "Simple Earn" product attempts to replicate this role and increase its yield.

Yu'ebao uses the assets deposited by users for lending business within the platform, providing liquidity support for the platform. The system will automatically lend the assets in Yu'ebao to other users, and the interest generated will be returned to the user as the annualized income of the current product.

Yubibao provides a low-risk and stable way to protect principal. It supports current and multi-day fixed deposits (currently 7, 14, and 30-day products are available), multiple currencies, simple subscription process, and flexible interest calculation period. It is a financial product suitable for general investors to participate. Its features also include immediate arrival of current/fixed deposit redemption, users can enable automatic currency earning for current deposits, and automatic reinvestment of principal and interest on a regular basis, further simplifying its operation.

The YuBiBao page on Gate’s official website shows that YuBiBao currently supports nearly a thousand cryptocurrencies, with currently managed funds exceeding US$2.3 billion. The comprehensive annualized return of USDT current products is as high as 12.5%, and the annualized return of regular financial management can reach 500%+.

Recently, Yubibao launched the functions of immediate redemption and automatic reinvestment on a regular basis, further improving the user experience of Yubibao products. Specifically, the instant redemption function of Yubibao's regular products was launched on April 15. When users redeem regular assets, funds can be received in real time, which is unique to the entire network.

In addition, Gate has also launched the VIP-exclusive "Yubibao Regular" financial management, with an annualized return of up to 4.5% on USDT in 30 days. The subscription volume after the launch exceeded 60 million USDT.

Earn coins on the chain to enable users to make money on the chain

On-chain income refers to the process of earning income from cryptocurrency assets by interacting directly with the blockchain protocol. These income is achieved through mechanisms such as staking, lending, and providing liquidity. Compared to traditional or centralized finance, on-chain income provides the opportunity to directly access the underlying economic activities of the blockchain network.

Although there are opportunities for on-chain gains, there are certain barriers and security risks for novice users to directly participate in the chain. Users not only face operational risks, such as encountering phishing attacks, but also need to be vigilant about the security risks of the protocol itself. For example, there have been many DeFi protocol theft incidents recently.

Gate's "Earn Money on the Chain" module provides users with one-stop on-chain financial management services with PoS staking, DeFi protocol lending and liquidity mining as the core. Its infrastructure is directly integrated with protocols such as Aave V3 and Compound V3, and connected to major PoS networks such as Ethereum, Polkadot and Cosmos. Instead of requiring users to manually set up validators or delegate tokens, Gate automates these processes while providing users with real-time information about APY, redemption schedules, and available additional rewards.

Chain Earn brings together many popular PoS projects, selects high-quality projects, and provides diversified Staking products. Many high-quality PoS projects recognized by the industry are reflected on Gate Earn, such as ETH, DOT, ATOM, etc.

Dual Currency Investment Helps Achieve the Optimal Strategy

At the same time, the most common structured financial product is "dual currency investment". The dual currency investment launched by Gate is essentially a fixed-income, non-principal-protected financial product. The core strategy of dual currency investment: buy low and sell high. The following four dual currency investment scenarios can reflect the basic gameplay of this product:

Scenario 1: Sell at high prices and cash out cryptocurrency gains

Bob invests in a BTC high-sell product with a subscription period of 3 days and a target price of $100,000. If on the expiration date: BTC settlement price > $100,000: the high-sell is successful, BTC is sold at the target price, and the USDT interest income during this period is obtained.

BTC settlement price ≤ $100,000: Earn BTC successfully, receive BTC principal and BTC interest income during this period.

Scenario 2: Buy on dips and invest in your favorite assets at low prices

Alice selects a product with a maturity of 5 days and a target price of $90,000 BTC.

If the settlement price of the day is:

BTC settlement price > $90,000: Earn money successfully, return the USDT principal and the USDT interest income during this period.

BTC settlement price ≤ $90,000: Buy low successfully, buy BTC at the target price, and obtain BTC interest income during this period.

Scenario 3: Accumulate currency and realize interest compounding growth

Assuming that user Alice chooses USDT as the investment principal, the system will perform a buy-low operation every time the market price is lower than the target price. When the buy-low operation fails, the user can still earn a certain amount of interest income, and these interests will be automatically reinvested to form a sustainable buy-low strategy. This method allows the user's assets to continue to increase in value, while avoiding the impact of market fluctuations on income, thereby achieving long-term and stable wealth growth.

Scenario 4: Combination strategy to cope with market fluctuations

User Bob can also flexibly adjust his investment portfolio according to market conditions. When the market is relatively stable, he can appropriately increase the proportion of Bitcoin to increase the value-added potential of assets; when the market fluctuates greatly, he can allocate more funds to USDT to ensure the stability of investment.

The highlight of the dual-currency investment mechanism is that it is a financial product based on simple option derivatives, which uses the option mechanism to achieve flexible and diverse investment strategies. Through the "buy low" and "sell high" mechanism, dual-currency investment allows investors to capture profit opportunities in market fluctuations and realize the flexible use of assets. Regardless of the market trend, investors can obtain higher interest income through dual-currency investment and enhance the overall fund earning ability. At present, dual-currency investment has supported 60 cryptocurrencies.

Fixed investment: no need to choose the right time, spread out costs and reduce psychological pressure

The most difficult part of investing is not choosing products, but choosing the right time. For users who cannot watch the market for a long time and are unwilling to trade frequently, "regular investment" has always been one of the classic strategies in the traditional financial field. The regular investment financial management products launched by Gate are based on this concept.

The highlights of its products are: First, the regular fixed-amount strategy avoids the impact of market fluctuations on single investments by continuously buying assets at a fixed amount at a fixed time, effectively diluting investment costs. Second, it can reduce the pressure of timing. There is no need to accurately predict the rise and fall of the market. Fixed investment automatically helps users spread out the time points of purchase, making investment more relaxed. In addition, it has the potential for long-term returns: According to the backtest data from 2021 to 2024, in most market stages, the return performance of the fixed investment strategy is better than the one-time purchase strategy.

Fixed investment is suitable for a wide range of users, whether they are novices or those who have no time to watch the market.

Launch a variety of activities and provide additional rewards

While providing one-stop financial products for "lazy users", Gate also further activates users' extensive participation through a series of rich activities. From July 3 to July 20, Gate held a financial interest rate increase festival. During the event, those who sign up to participate in Yubibao and Chain Earn Coins financial management can enjoy a financial management income interest rate increase bonus of up to 200%.

From July 7 to July 21, Gate launched a special "VIP Financial Management Summer Carnival" event. During the event, after VIP users complete the registration, they will unlock corresponding rewards based on their average new holdings within 30 days after registration (the total amount of quantitative funds and Yubibao on a regular basis), and can receive up to 1 box of Feitian Moutai.

On July 10, Gate Yubibao USDT 7-day regular financial management extra reward pool was launched, and you can enjoy a 10% annualized bonus upon subscription, with a maximum annualized return of 12%. A total of 1,666,667 SARM extra rewards were given.

Gate also launched the related activities of the recent hot Pump.fun token sale. From July 12 to July 22, Gate Yubibao opened PUMP user benefits for a limited time. Users who have participated in the PUMP token public sale or PUMP Launchpad can enjoy up to 50% additional annualized interest rate when purchasing Yubibao USDT financial products.

At present, Gate's on-chain BTC mining and ETH mining have an annualized rate of about 3%, which is quite competitive compared to similar products on the market. The limited-time additional rewards for USDT mining can reach an annualized rate of 15%.

In general, although Gate's financial products started out by providing convenient services for "lazy users", the logic behind them is the platformization and standardization of digital asset management tools. Whether it is Yubibao, a combination of current/regular deposits, or "Chain Earn Coins" for on-chain asset income custody, or structurally derived dual-currency investment and fixed investment, they are all trying to fill the "blank area" between crypto finance and traditional wealth management.