Gaining Certainty in Volatile Markets: Gate's Floating Yield Wealth Management Mechanism and Practical Examples

Gate’s floating yield financial products are a type of principal-protected structured financial product. Essentially, they are option derivatives that allow users to earn additional returns on top of principal protection. Centered around the three core features of safety, flexibility, and high yield, they offer diversified options for asset appreciation in the crypto space.

Gate Financial Product Core Matrix

Gate has built a one-stop crypto asset appreciation solution that caters to different risk preferences. Its product matrix has been comprehensively upgraded, ranging from unlocked interest-bearing holdings to GUSD backed by U.S. Treasury bonds, and to instant redemption-supported YuBiBao.

The interest-bearing holdings feature allows users to earn yields without locking their assets, covering mainstream tokens like BTC, ETH, GT, etc. Users simply need to activate with one click, and the system will automatically snapshot holdings daily and calculate earnings using the formula: Average holdings × Annualized return ÷ 365.

GUSD financial certificates serve as a bridge between traditional finance and the digital world. As a digital certificate backed by real-world assets such as U.S. Treasury bonds, GUSD offers an initial annualized yield of 4.40%. When users invest GUSD into Launchpool or other financial products, they can earn dual interest from product yields and GUSD minting rewards.

Gate also provides tools like dual-currency investments and fixed-amount periodic investments. Dual-currency investments are based on option derivatives, supporting 60 cryptocurrencies, helping users seize opportunities amid market volatility. Fixed-amount investments help users smooth costs and avoid timing risks through regular, fixed purchases.

How Floating Yield Financial Products Work

Gate’s floating yield financial products (such as “Interval Smart Win”) are principal-protected structured products. Their returns depend on the price performance of the underlying asset (e.g., BTC, ETH) during the observation period. The product sets a price range, and at a fixed observation time each day, the system compares the market price of the underlying asset to this range.

Based on the observation results, daily yields are chosen between two annualized rates:

• If the price remains within the range: receive the higher within-range yield
• If the price exceeds the range: receive the lower guaranteed minimum yield

This design allows investors to earn returns far exceeding ordinary deposits when the market is stable or within expected volatility; even during sharp market moves, principal safety and basic returns are maintained. For example, “Interval Smart Win” introduces Gate’s observation mechanism, which observes market prices at fixed times daily. This mechanism aims to increase the probability of users obtaining high-yield tiers.

Profit and Loss Scenario Simulation: Based on Current Market Data

To better understand, we simulate different scenarios based on current mainstream asset prices. According to Gate market data as of January 27, 2026:

• Bitcoin (BTC): Price $88,412.3, 24h change +0.86%
• Ethereum (ETH): Price $2,927.05, 24h change +1.71%
• GateToken (GT): Price $9.83, 24h change +1.87%

Suppose a 7-day floating yield product linked to BTC, with a price range of [$86,000 - $90,000], an annualized yield within the range of 8.5%, and a guaranteed minimum annualized yield of 1.2%.

Scenario 1: Stable Volatility (Price Always Within Range)

If BTC price remains within $86,000 to $90,000 during the observation period, investors will enjoy the full 8.5% annualized yield. For a 10,000 USDT investment, the 7-day earnings are approximately: 10,000 × 8.5% ÷ 365 × 7 ≈ 16.30 USDT.

Scenario 2: Unilateral Breakout (Price Continuously Exceeds Range)

If due to market news, BTC price stays above $90,000 or below $86,000 during the observation period, investors will receive the guaranteed minimum yield. For the same 10,000 USDT investment, the 7-day earnings are approximately: 10,000 × 1.2% ÷ 365 × 7 ≈ 2.30 USDT.

Scenario 3: Mixed Situation (Part of the Time Within Range)

This is the most common case. Suppose during the 7-day observation period, the price is within the range for 4 days and outside for 3 days. The total yield combines both parts: (10,000 × 8.5% ÷ 365 × 4) + (10,000 × 1.2% ÷ 365 × 3) ≈ 9.32 + 0.99 = 10.31 USDT.

Risks and Advantages of Floating Yield Financial Products

All structured products currently offered by Gate are principal-protected floating yield products, with no risk of principal loss. Financial users can enjoy a guaranteed minimum return while having the opportunity to earn higher-tier yields. The main advantage of floating yield products lies in their risk-return symmetry. Investors essentially trade off some upside potential for principal safety and the opportunity to benefit from market volatility.

Compared to high-risk leveraged trading, these products’ maximum loss is only opportunity cost (missed higher gains), without eroding principal. The price range may be adjusted before the start of interest accrual based on market conditions to ensure optimal returns for users. However, once the observation period begins, the price range will no longer be adjusted.

How to Choose Suitable Gate Financial Products

With a rich product lineup, users can select based on their risk appetite and investment goals.

Conservative investors (low risk preference) might consider GUSD, stablecoin fixed-term products, mainly aiming for stable cash flow. For example, GUSD offers about 4.40% annualized yield.

Balanced investors (moderate risk preference) can combine mainstream asset holdings with YuBiBao fixed-term products, seeking a balance between yield and safety. For instance, allocate part of holdings in BTC, ETH interest-bearing products, along with stablecoin financial products.

Aggressive investors (high risk preference) may focus on dual-currency investments and innovative strategy products, pursuing high potential returns. Such investors might participate in DeFi, Layer 2 liquidity mining, or emerging asset strategies.

When selecting products, investors should pay attention to:

• Underlying assets (such as BTC, ETH, or specific tokens)
• Price range (wider ranges are easier to achieve high yields but may offer lower yields)
• Product duration (7 days, 14 days, 30 days, etc.)
• Historical success rate (probability that the product stays within the range)

When Bitcoin hovers around $88,412.3 and Ethereum searches for direction near $2,927.05, your crypto assets are not sleeping. Through Gate’s floating yield products, these assets are quietly capturing market movements within a structured framework. Whether the market is stable or volatile, there is always a financial strategy that allows your crypto assets to grow safely, matching the opportunity with the right yield.