Gate GUSD: A robust appreciation plan for on-chain USD assets

As RWA (Real World Assets) gradually becomes a popular track in crypto finance, how to efficiently allocate USD assets on-chain has become a point of concern for more and more users. The GUSD launched by Gate on August 29, 2025, is a brand new financial certificate aimed at this demand. It uses RWA such as U.S. Treasury bonds as support to provide users with stable returns, while allowing them to enjoy the value accumulation over time under the premise of ensuring liquidity.

Product Positioning of GUSD

Compared to regular stablecoins, GUSD is not just a tool for trading and settlement, but a dollar certificate with the characteristic of "time interest." Users holding GUSD can receive both the principal and accumulated interest in a lump sum upon redemption. In other words, GUSD is more like an on-chain digital "note," which is both stable and appreciates in value.

Simple Process of Minting and Usage

Gate provides users with two main entry methods:

1. Directly exchange USDT for GUSD in the spot market;
2. Mint GUSD at a 1:1 ratio using USDT or USDC through the on-chain earning feature.

After minting is completed, GUSD can not only be used as collateral for trading but can also participate in staking, lending, or ecological activities, covering a diverse range of use cases.

Revenue Model: Binding of Time and Interest

The yield of GUSD comes from underlying US Treasuries and other RWAs. Unlike traditional financial products that distribute interest daily, GUSD adopts a "settlement upon redemption" model. For example, if a user mints GUSD with 100 USDT and accumulates a 20% yield during the holding period, they can receive 120 USDC upon redemption.

At the same time, Gate has also launched "Residual Coin Treasure GUSD Current", allowing idle positions to continue to automatically earn interest, enhancing capital utilization.

Incentive Mechanism and Ecological Overlay

In addition to the basic interest, GUSD also amplifies returns through ecological activities. The staking pool launched by Gate allows users to stake GUSD to obtain CELB tokens, with an official estimated annualized return of up to 365% (subject to activity rules). In the future, GUSD will also combine with services such as CandyDrop and lending to form a dual drive of "stable returns + ecological incentives."

Transparency and Exit Mechanism

Security and Liquidity are the two main concerns for investors. Gate plans to expand the scale of GUSD to over 100 million USD and gradually disclose reserve proofs and custodian information to ensure 100% full support. In terms of withdrawal, users can exchange GUSD back to USDC at a 1:1 ratio at any time, and then convert it back to USDT or other assets, ensuring the free flow of funds.

Differences from Other RWA Products

• Support dual currency minting (USDT / USDC), more in line with global user habits;
• One coin, four uses: trading, margin, wealth management, staking, covering more scenarios;
• In conjunction with Gate ecosystem activities, the revenue dimensions are more diversified.

This means that GUSD is not just an on-chain passive income tool, but a funding hub connecting RWA and the encryption ecosystem.

Who is suitable for holding GUSD

• Users who want to achieve stable returns in USD assets without sacrificing liquidity.
• Investors who frequently participate in trading and ecological activities and require integrated margin management;
• Long-term allocators hoping to improve capital efficiency through stacked incentives.

Whether you are a beginner or a seasoned user, GUSD provides a simplified and secure path for fund management.

Risk and Compliance Notice

The cryptocurrency market is subject to price fluctuations, regulatory compliance, and technical risks. The content of this article is for informational purposes only and does not constitute investment advice. Please assess the risks thoroughly before participating and read the Gate official user agreement to understand the scope and limitations of the services.

User Agreement:

Summary: The Future Solutions of On-chain Cash Management

GUSD combines the traditional financial note logic with the efficient liquidity of blockchain: users only need to complete the minting to enjoy interest income accumulated over time; at the same time, staking and ecological activities provide additional returns. As Gate gradually expands its businesses in trading, lending, residual coin treasure, and staking, GUSD is expected to become a long-term core allocation of on-chain USD assets, helping users achieve the dual goals of "stable income + flexible liquidity."