June 4, 2026: The crypto market continues to experience volatility. According to Gate market data, as of June 4, 2026, the Bitcoin price stands at $62,639.3, reflecting a 30-day change of -10.73%. The Ethereum price is $1,789.66, with a 30-day change of -5.70%. In this wide-ranging volatility, the opportunity cost of simply holding spot assets keeps rising. Increasingly, users are opting to generate steady returns from idle assets through low-risk financial products.
Gate Earn offers a full spectrum of yield tools, ranging from flexible and fixed-term products to structured solutions and quantitative funds.
Flexible Savings: Instant Access, USDT APY Up to 6.93%
The core advantage of flexible savings lies in the ability to redeem funds at any time while earning compounding returns. Assets deposited in Gate’s flexible Earn product are allocated to the platform’s internal crypto lending market, where they are lent to leveraged traders and arbitrageurs. The interest generated is automatically distributed as hourly compound earnings.
As of June 4, 2026, Gate Earn’s total flexible funds reached 1.48 billion USDT, with an estimated USDT annual yield (including extra rewards) of 6.93%. Estimated annual yields for other major cryptocurrencies in flexible savings:
| Asset | Estimated APY (including extra rewards) |
|---|---|
| USDT | 6.93% |
| BTC | 10.05% |
| ETH | 7.19% |
| XAUT | 15.96% |
| SOL | 4.26% |
| GT | 0.67% |
| SUI | 0.31% |
| USDD | 5.09% |
| BTX | 5.00% |
Flexible savings support 24/7 instant subscription and redemption, with redemptions credited to spot accounts within seconds. For users keeping part of their portfolio on the sidelines, depositing funds into flexible products to earn daily compounding interest is a practical way to balance liquidity and returns.
Fixed-Term Savings: Lock In Higher Yields
When funds are idle for a clear medium- or long-term period, fixed-term savings offer superior annual yields. Users can choose lock-up periods of 7, 14, 21, or 30 days, with returns confirmed at subscription and completely unaffected by market price fluctuations during the lock-up.
As of June 4, 2026, some high-yield fixed-term options in Gate Earn (all limited supply, available until sold out):
| Product | Term | Estimated APY |
|---|---|---|
| IDOS | 7 days | 300.00% |
| SWCH | 7 days | 200.00% |
| ES | 21 days | 150.00% |
| KAIO | 7 days | 80.00% |
| New User Exclusive USDT | 3 days | 100.00% |
| BTC (including extra rewards) | 7 days | 10.05% |
| APT | 30 days | 0.22% |
Fixed-term savings do not support regular redemption during the lock-up period. Early redemption forfeits all accrued interest, and principal is returned to the spot account within 24 to 48 hours. Please ensure there is no liquidity need for your funds during the lock-up before subscribing.
Structured Products: Shark Fin & Dual Currency Investment
Structured products that aim for enhanced returns with principal protection are key tools for sophisticated market participants.
Shark Fin Savings
Shark Fin Savings are principal-protected structured products. The platform sets a price range for an underlying asset (such as BTC or ETH) and monitors the closing price daily. If the asset price remains within the preset range throughout the observation period, users receive a higher "in-range yield." If the price moves outside the range, users earn a guaranteed minimum yield, with principal fully protected. This product offers exceptional value in volatile markets.
Dual Currency Investment
Dual Currency Investment is a short-term product involving two cryptocurrencies, featuring "guaranteed interest, but not principal." When subscribing, users select the investment currency, target price, and maturity date. Regardless of price movement at maturity, users receive fixed interest, but principal may be settled in the base currency.
As of June 4, 2026, the Dual Currency Investment page shows annual yield ranges for each asset:
- BTC: 1.02% to 894.17%
- ETH: 1.08% to 1,118.32%
- XAUT: 20.47% to 907.41%
- GUSD: 1.05% to 1,114.73%
- HYPE: 6.73% to 992.22%
- GT: 1.29% to 161.19%
Dual Currency Investment suits two types of users: traders who want to automatically buy or sell at specific prices, and long-term holders seeking steady interest. The product has no fees or slippage, and is automatically settled to the spot account by 10:00 UTC on the maturity date. Please note: Annual yields fluctuate in real time. Refer to the Gate Dual Currency Investment page for current rates.
Private Wealth Management: Latest Quant Fund Performance
For professional users with larger funds and higher risk tolerance, Gate Private Wealth Management offers a variety of quantitative funds. Based on the latest data, annual yields for USDT strategies are as follows:
| Strategy Name | Annual Yield |
|---|---|
| StarCore Smart Investment | 9.27% |
| Star Hedge | 5.79% |
| Star Pioneer | 5.23% |
| Quant Hedge | 4.33% |
| Gravity Hedge | 4.24% |
Historical performance shows Star Hedge achieved positive returns in all 22 cycles, with a 100% win rate. Gravity Hedge maintained a 100% win rate for two consecutive years, with a maximum drawdown of just 0.01%. Maximum drawdowns for all strategies are generally kept below 0.9%. Private Wealth Management also offers personalized services for ultra-high-net-worth clients, including custom asset portfolios, dynamic monitoring, and regular reviews.
Platform Token GT: Yield Enhancement Effect
Holding Gate Token (GT) positively boosts yields in Gate Earn. Users holding more than 1,000 GT receive an extra yield increase across their entire Earn account. GT holdings are directly linked to VIP levels, which further affect eligibility and yields for select exclusive financial products. As of June 4, 2026, the GT price is $6.67, with a 7-day change of +1.13% and neutral market sentiment.
Recent Earn Promotions
Gate Earn Biweekly Check-In
Promotion period: June 2, 2026, 08:00 UTC to June 16, 2026, 08:00 UTC, about 12 days remaining
- Daily check-in: Users who subscribe to fixed-term products with net daily purchases ≥ 500 USDT receive 100 USDT Dual Currency Investment trial funds
- Consecutive check-in: Complete check-ins for 8 consecutive days to earn an extra 500 USDT Dual Currency Investment trial funds
- Prize pool: Total prize pool up to 1,000,000 USDT (800,000 USDT for daily check-ins + 200,000 USDT split by cumulative subscription share)
If a fixed-term order is redeemed early on a given day, that day’s check-in is invalid. Trial funds are valid for 7 days from issuance and can only be used for Dual Currency Investment.
Wild Wednesday Gold Feast
Promotion period: June 3, 2026, 06:00 UTC to June 7, 2026, 08:00 UTC, about 3 days remaining
- Instant reward: 50 USDT Dual Currency Investment trial funds (limited to 10,000 participants)
- Task blind box: Complete tasks including Swap, Spot, Futures, Deposit, Invite, Earn, and On-chain Earn to win XAUT, Lucky Bags, Rolex 18K gold watches, gold coins, and gold bars
- High-yield portfolio:
- New user 3-day USDT Earn, APY 100%
- 14-day USDT fixed-term Earn, APY 6%
- BTC, XAUT, USDD, CC, KAIO, AIA, SWCH flexible Earn, up to 200% APY
- On-chain Earn BTC, ETH, SOL mining, up to 16% staking APY
How to Allocate Gate Earn Products
Recommended allocation strategies based on fund characteristics:
| Fund Type | Recommended Product Mix | Reason |
|---|---|---|
| Daily emergency funds (within 1 month) | Flexible savings | Instant redemption, no missed trading opportunities |
| Medium/long-term idle funds (over 3 months) | Fixed-term savings | Lock in returns at subscription, unaffected by market volatility |
| Expected narrow market range | Shark Fin Savings | High returns within range, principal protection outside range |
| Clear buy/sell price expectations | Dual Currency Investment | Automatic buy low or sell high, fixed interest earned |
| Sufficient funds and high risk tolerance | Private Wealth Management Quant Funds | Enhanced strategic returns, transparent historical data |
Three-Step Gate Earn Process
- Log in to the Gate website or app and go to the "Earn" channel
- Browse the flexible and fixed-term product lists on the Earn page, sortable by asset, term, or APY
- Select your target product, enter the subscription amount, and confirm
Flexible products allow instant redemption with funds credited in seconds. Early redemption of fixed-term products during the lock-up period forfeits all accrued interest. Please confirm your idle fund period before subscribing.
Risk Disclaimer
All yield data above are estimated values calculated by Gate based on historical data and current market lending demand. They do not represent guaranteed future returns. The crypto asset market is highly volatile. Before subscribing to any financial product, users should carefully read product rules and risk disclosures, independently assess their risk tolerance, and make informed decisions.
Conclusion
Gate Earn provides users with a comprehensive suite of yield tools, from flexible and fixed-term products to structured solutions and quantitative funds. As of June 4, 2026, Earn’s total flexible funds remain steady at 1.48 billion USDT, flexible USDT APY has risen to 6.93%, and Dual Currency Investment covers terms from 6 hours to 295 days, with APYs up to 1,118.32%. The biweekly check-in and Gold Feast promotions are ongoing. Users can allocate products based on their fund characteristics and preferred terms, making informed choices after fully understanding product rules. Historical yield data do not guarantee future performance; investment decisions should be based on independent judgment.
