Gate GUSD: One-click minting of RWA earnings, liquidity and interest both online.

GUSD, which will be launched by Gate on August 29, 2025, is a financial certificate backed by RWA such as government bonds. It brings the traditional bill mechanism of "interest accrual upon holding, and redemption in a lump sum for principal and interest" onto the blockchain, allowing for robust returns and high liquidity in dollar cash management. For users who want to continuously appreciate idle USD stablecoins on-chain while maintaining flexible access to funds, GUSD provides a clear and low-friction path.

What is GUSD

GUSD is an on-chain certificate issued by Gate, supported by RWA as the underlying asset. The yield is directly tied to the holding time, and daily withdrawals are not required. Users can redeem their principal and interest together upon redemption. For example, if you mint GUSD with 100 USDT and accumulate a 20% yield during the holding period, you can redeem it for 120 USDC. More importantly, GUSD can be used directly as margin in a unified account, covering various scenarios such as trading, wealth management, and staking, achieving "one coin, multiple uses."

A Simpler Way to Enter

• Directly exchange USDT for GUSD in the spot market, with zero threshold to get started.
• Earn coins on-chain through Gate by minting GUSD at a 1:1 ratio with USDT / USDC.

After minting is completed, GUSD can be immediately used for margin scenarios and supports mainstream trading pairs, seamlessly switching between investment and value preservation.

The Interest Calculation Logic of Time is Profit

The interest of GUSD comes from the underlying RWA (such as U.S. Treasury bonds), adopting a "hold and accumulate, redeem and settle" model, without the need for daily distribution. In this regard, users can understand GUSD as a "coupon" that packages the yield from a basket of U.S. Treasury bonds on-chain. In addition, Gate's "余币宝 GUSD 活期" has been launched, allowing idle positions to continue to roll and appreciate, increasing the utilization rate of funds.

Incentive Stacking, Amplifying the Yield Curve

In addition to the base interest, Gate has launched the GUSD staking pool, where staking can share CELB, with the official estimation of an annualized return of up to 365% (subject to the activity page). At the same time, lending and activities like CandyDrop will be gradually integrated, forming a "base yield + ecological incentives" dual engine, making long-term holding more attractive. For newcomers, this means obtaining more layered sources of return without sacrificing liquidity.

Why it is different from ordinary stablecoins

Most stablecoins are positioned as settlement and trading mediums, without intrinsic appreciation attributes tied to time. GUSD combines "stability" and "growth": on one hand, it is anchored in value by RWA; on the other hand, through interest accrual and ecological incentives, it transforms holding time into actual returns, resembling an on-chain cash management tool rather than merely a value-anchored token.

Transparency and Exit Mechanism

Gate plans to increase the scale of GUSD to over 100 million USD in the short term, and will disclose reserve proof and custody details in phases, ensuring 100% full backing, which can be externally verified. In terms of exit, GUSD supports a 1:1 redemption for USDC, which can then be freely exchanged for USDT or other assets, meeting the liquidity needs and funding path diversity for global users.

Differences from Other RWA Products

• Dual-coin minting (USDT / USDC), more aligned with global capital flow.
• Trading, margin, wealth management, and staking integrated into one, covering a complete range of use cases.
• Pairing with Gate ecosystem activities (such as Launchpool, CandyDrop) provides a more diverse source of income.

For users pursuing configurability and capital efficiency, GUSD provides a closed-loop experience from "entry - holding - gaining - exit."

Suitable Users and Scenarios

• Users holding USDT / USDC who expect to achieve stable returns on-chain without sacrificing scheduling flexibility.
• People who need to participate in both spot and derivatives markets simultaneously and wish to unify account margin and cash management.
• We hope to enhance the annualized return curve for long-term investors through ecological activities and additional rewards.

Tips for Use (Example of Operation Rhythm)

1. Mint GUSD with USDT / USDC to complete the initial entry.
2. Put idle positions into the Yubibao GUSD current account to earn rolling returns.
3. Participate in the GUSD staking pool to obtain CELB incentives, dynamically allocate based on the annualized activity and personal risk preference.
4. When liquidity is needed, exchange back to USDC at a 1:1 ratio, and then convert to USDT or other assets as needed.

Risk and Compliance Tips

Any products related to RWA may be affected by factors such as macro interest rates, custody and compliance policies, and on-chain contract risks. This article is for informational purposes only and does not constitute any invitation, solicitation, or investment advice. Before participating, please fully assess your own risk tolerance and refer to the official terms and activity details. Certain regions or users may be subject to usage restrictions, please refer to the Gate user agreement (see the link below).

• User Agreement:

Summary

GUSD ties returns to time through RWA backing, bringing traditional note-style cash management on-chain: minting entry, holding for profit, incentive stacking, and flexible exit, creating a path that runs through the funds' "safety - returns - liquidity." As trading, lending,余币宝, and staking scenarios continue to improve, GUSD is expected to become the "cash management core" in the long-term allocation of USD assets, allowing your on-chain funds to maintain flexibility while not missing out on the stable returns brought by time.