Refactoring the New Landscape of Crypto Finance: Gate.io Earn's USDT and ETH Flexible Savings offer the highest APY across the market, with a 100% reserve ratio and instant access.
Source: Gate.io

In the ever-changing crypto market, on-chain financial management has stood out with its stable yield and security, illuminating investors' crypto journey with extraordinary performance. Recently, according to official data, Gate.io's Earn (Flexible) products for USDT and ETH have surpassed annualized returns of 40.52% and 21.24% respectively (with ETH currently at 3% market annualized rate), temporarily ranking first among similar products across the entire network, attracting market attention.
It is understood that Gate.io's Earn is designed to provide smart value-added services for users' idle funds. In addition to the real-time annualized yield in the lending market, it has a separate additional reward pool to enhance user returns. Earn can be used for financial activities to generate income and can also serve as margin for a unified account, supporting leverage and contract trading, aiming to provide users with a high-yield, high-liquidity financial solution.
As the new year of 2025 has arrived, how to allocate investment modes so as to not miss out on hot trends while maintaining stable returns? Gate.io's Earn presents a new perspective on on-chain financial management.
「Falling in Love with」 Stablecoin Financial Management: User Return Is the Sole Criterion for Value
Looking back at the 2024 development trend in the crypto industry, after the "price surge effect" brought by Trump's reelection as U.S. president, mainstream coins once again entered a phase of fluctuation, prompting more industry participants to deeply contemplate future trends. It can be foreseen that the 2025 crypto industry development is expected to continue to improve overall. In a market environment where stability and scale are on the rise, "conservative financial management" is gradually becoming superior to "speculative investment," becoming the choice of more investors. Leading financial products such as Gate.io's Earn have seen an increase in their credibility.
Gate.io's Earn with USDT and ETH surpassing annualized returns of 40.52% and 21.24% once again confirms the above speculation. Earn users, while enjoying the "enticing" annualized yield, are increasingly trusting Gate.io's risk management system built on a 100% reserve fund, eliminating investment concerns.
Subscribe to Gate.io's Earn Now, APR 30%+ Returns Are Within Reach
Gate.io's Earn is a low-risk, stable-yield, principal-guaranteed financial product. For subscribers, Earn is similar to a demand deposit in a bank, supporting multiple mainstream currencies. The subscription process is simple, and the interest calculation period is flexible, making it a financial product suitable for mass investors to participate in.
Now you can subscribe to Gate.io Earn USDT Flexible Savings to enjoy an additional 30% APR bonus.
Stay Ahead in Safety and High Yield: Gate.io Earn Leading Design Concept
As the number of Gate.io users has been growing rapidly, Gate.io has been setting new records. While continuously iterating its core trading functions, Gate.io has also been optimizing and deeply cultivating the user experience and product offerings of financial management products. It adheres to a long-term vision and sustainability, balancing risk and return based on investor needs. Gate.io's financial management service has reportedly supported 835+ currencies with a total managed fund exceeding $20 billion, among which the Earn feature has seen rapid user growth, nearing a scale of $2 billion.
Furthermore, Gate.io Earn has implemented a 100% reserve as a guarantee. Its goal is to build a more comprehensive risk management system while ensuring the absolute security of user assets. This is done to meet the growing user demands and provide stable high annualized interest rates for more Gate.io Earn users, sticking to the design concept of "creating value for investors."
Disclaimer
The final interpretation of the above belongs to Gate.io. The additional bonus interest rate may be dynamically adjusted based on market conditions.
This content does not constitute any invitation, solicitation, or advice. You should always seek independent professional advice before making any investment decisions. Please note that Gate.io may restrict or prohibit all or part of its services from restricted areas. Please read the user agreement for more information.
This article is contributed content and does not represent the views of BlockBeats.
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Mixin has launched USTD-margined perpetual contracts, bringing derivative trading into the chat scene.
The privacy-focused crypto wallet Mixin announced today the launch of its U-based perpetual contract (a derivative priced in USDT). Unlike traditional exchanges, Mixin has taken a new approach by "liberating" derivative trading from isolated matching engines and embedding it into the instant messaging environment.
Users can directly open positions within the app with leverage of up to 200x, while sharing positions, discussing strategies, and copy trading within private communities. Trading, social interaction, and asset management are integrated into the same interface.
Based on its non-custodial architecture, Mixin has eliminated friction from the traditional onboarding process, allowing users to participate in perpetual contract trading without identity verification.
The trading process has been streamlined into five steps:
· Choose the trading asset
· Select long or short
· Input position size and leverage
· Confirm order details
· Confirm and open the position
The interface provides real-time visualization of price, position, and profit and loss (PnL), allowing users to complete trades without switching between multiple modules.
Mixin has directly integrated social features into the derivative trading environment. Users can create private trading communities and interact around real-time positions:
· End-to-end encrypted private groups supporting up to 1024 members
· End-to-end encrypted voice communication
· One-click position sharing
· One-click trade copying
On the execution side, Mixin aggregates liquidity from multiple sources and accesses decentralized protocol and external market liquidity through a unified trading interface.
By combining social interaction with trade execution, Mixin enables users to collaborate, share, and execute trading strategies instantly within the same environment.
Mixin has also introduced a referral incentive system based on trading behavior:
· Users can join with an invite code
· Up to 60% of trading fees as referral rewards
· Incentive mechanism designed for long-term, sustainable earnings
This model aims to drive user-driven network expansion and organic growth.
Mixin's derivative transactions are built on top of its existing self-custody wallet infrastructure, with core features including:
· Separation of transaction account and asset storage
· User full control over assets
· Platform does not custody user funds
· Built-in privacy mechanisms to reduce data exposure
The system aims to strike a balance between transaction efficiency, asset security, and privacy protection.
Against the background of perpetual contracts becoming a mainstream trading tool, Mixin is exploring a different development direction by lowering barriers, enhancing social and privacy attributes.
The platform does not only view transactions as execution actions but positions them as a networked activity: transactions have social attributes, strategies can be shared, and relationships between individuals also become part of the financial system.
Mixin's design is based on a user-initiated, user-controlled model. The platform neither custodies assets nor executes transactions on behalf of users.
This model aligns with a statement issued by the U.S. Securities and Exchange Commission (SEC) on April 13, 2026, titled "Staff Statement on Whether Partial User Interface Used in Preparing Cryptocurrency Securities Transactions May Require Broker-Dealer Registration."
The statement indicates that, under the premise where transactions are entirely initiated and controlled by users, non-custodial service providers that offer neutral interfaces may not need to register as broker-dealers or exchanges.
Mixin is a decentralized, self-custodial privacy wallet designed to provide secure and efficient digital asset management services.
Its core capabilities include:
· Aggregation: integrating multi-chain assets and routing between different transaction paths to simplify user operations
· High liquidity access: connecting to various liquidity sources, including decentralized protocols and external markets
· Decentralization: achieving full user control over assets without relying on custodial intermediaries
· Privacy protection: safeguarding assets and data through MPC, CryptoNote, and end-to-end encrypted communication
Mixin has been in operation for over 8 years, supporting over 40 blockchains and more than 10,000 assets, with a global user base exceeding 10 million and an on-chain self-custodied asset scale of over $1 billion.

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