What is the return on holding Gate GUSD? Latest yield analysis and strategy guide for 2025.

In the year 2025, where fluctuations in the crypto market have become normalized, relying solely on trading for profit requires not only expertise and time but also comes with high risks. Gate's financial management has undergone a comprehensive upgrade of its product matrix, focusing on three core features: safety, flexibility, and high returns.

Whether you are a conservative investor seeking stable returns or an aggressive user pursuing high returns, you can find a suitable solution in Gate Wealth Management.

01 GUSD Stablecoin Wealth Management: Dual Yield Model Creates Stable Returns

GUSD, launched by Gate in August 2025, is not a traditional stablecoin but a digital dollar financial certificate pegged 1:1 to the US dollar, fundamentally changing the way users hold and utilize stablecoins for returns.

The core highlights of GUSD include:

• Automatically earn income: Users only need to hold GUSD in their current wallet or investment account to automatically earn income, without any additional operations.
• Dual interest stacking: When users invest GUSD into Gate's Launchpool financial products, they can not only earn the returns from the product itself but also simultaneously gain the minting rewards of GUSD.
• Stable base yield: GUSD offers a stable annual yield of 4.4%, with earnings automatically credited to users' spot accounts daily.

This dual income model of “base yield + mining yield” has created a unique differentiated advantage for GUSD in the stablecoin sector.

It is worth mentioning that GUSD has upgraded its yield mechanism. Now, regardless of whether GUSD is held in a spot account, financial account, or Launchpool, it can automatically generate returns, truly achieving “multiple profits from one coin.”

02 Revenue Structure and Market Performance: Data Reveals True Earning Potential

As of mid-November 2025, the total supply of GUSD is 320 million, with an actual circulation of approximately 150 million, resulting in a circulation rate of about 46.31%.

This growth trajectory reflects the rapid increase in the market's acceptance of GUSD. The on-chain supply of GUSD surpassed 100 million in mid-September 2025 and quickly grew to 180 million by late September.

The annualized yield performance of the GUSD mining pool is also impressive:

• AVNT mining pool reached 16.32%
• U Pool reached 16.85%
• BOT mining pool reaches 16.07%

From November 14 to November 28, 2025, Gate launched a limited-time reward activity for GUSD minting, where users who complete tasks can enjoy additional annualized returns of up to 50%.

This means that during this event, users' actual earnings will be significantly higher than the base interest rate, providing a rare bonus window for early participants.

03 The Sources of GUSD's Income and Security Assurance

Diversified sources of income

The returns of GUSD do not come from a single source, but provide users with more stable returns through diversified sources of income:

• U.S. Treasury bond interest: Some funds are allocated to low-risk U.S. Treasury bonds to obtain stable interest income.
• Ecosystem revenue sharing: Part of the revenue from the Gate ecosystem will also be distributed to GUSD holders.

This dual-track income structure makes GUSD different from traditional wealth management products that rely solely on a single source of income, providing users with a more reliable income guarantee.

Transparency and Security Mechanism

In the crypto market, transparency and trust are the most concerning issues for users, and GUSD has made clear commitments in these two areas:

• Reserve Proof: Gate commits to publicly disclose the reserve proof on the product page, showcasing the certification documents issued by the custodian bank or partner institutions.
• Asset-backed: GUSD is supported by a diversified portfolio of low-risk assets, including RWA assets such as U.S. Treasury bonds, Gate ecosystem revenues, and mainstream stablecoins.
• Flexible Exchange: Users can exchange GUSD back to USDT or USDC at a 1:1 ratio at any time.

All Gate financial products have their underlying assets rigorously selected and held in secure cold wallets and multi-signature accounts. Coupled with real-time on-chain monitoring and smart contract risk control, this maximizes the protection of user funds.

04 Practical Strategy: How to Maximize Returns through GUSD?

GUSD has been deeply integrated into Gate's ecosystem, expanding various application scenarios, far beyond ordinary financial products.

Easy Participation Process

For ordinary users, getting started with GUSD to earn returns is very simple, just three steps:

1. Exchange GUSD: In the “On-chain Earning” section of the Gate platform, use USDT or USDC to exchange for GUSD at a 1:1 ratio.
2. Holding Interest: Since the date of minting, GUSD will begin to generate returns at an annual yield of 4.4%. The system automatically distributes the earnings to the spot account daily.
3. Flexible Exchange: You can exchange GUSD back to USDC at a 1:1 ratio at any time, providing standard exchange (0.05% fee) and quick exchange (0.1% fee) options.

Maximizing Returns Strategy

For users looking to further increase their returns, the following strategies can be considered:

• Participate in Launchpool: Users staking GUSD can earn the original annualized yield of 4.4% and also receive additional project token rewards. Some activities are estimated to have an annualized yield as high as 365%.
• Spot Trading: Gate has launched multiple trading pairs including GUSD/USDT, BTC/GUSD, ETH/GUSD, allowing users to directly purchase other encryption currencies using GUSD.
• Margin Collateral: GUSD can be used as collateral for a unified margin account. Users can use GUSD as margin when engaging in leveraged trading, enhancing capital utilization without sacrificing returns.

05 Horizontal Comparison: The Positioning of GUSD in the Gate Financial Ecosystem

Gate Wealth Management offers a diverse product matrix, allowing investors to choose suitable financial products based on their own risk preferences and investment goals.

Current and Fixed-term Wealth Management

Gate's flexible wealth management products allow users to deposit and withdraw funds flexibly, with daily settlement of earnings, making them ideal for investors who need to access their funds at any time:

• The annualized yield for USDT flexible savings can reach up to 6.8%.
• BTC Flexible Wealth Management offers an annualized return of up to 3%.

Gate's fixed-term financial management offers plans for 7 days, 30 days, and longer durations, with stable and predictable annualized returns:

• USDT 7-day fixed annualized rate reaches 12.55%
• BTC 7-day fixed annualized reaches 10.33%
• ETH 7-day fixed annualized rate reaches 11.90%

Innovative Strategy Product

For users seeking higher returns, Gate offers opportunities to participate in DeFi, Layer liquidity mining, or project subscriptions to obtain additional earnings.

The performance of quantitative fund products is particularly outstanding. According to Gate's private wealth management monthly report for October 2025, the annualized return of the top 30% of quantitative fund portfolios reaches as high as 35.4%, significantly outperforming Bitcoin.

06 Limited-time High Yield Activity: An Opportunity for Enhanced Returns You Can't Miss

Gate has recently launched several limited-time high-yield activities, providing investors with extra opportunities for enhanced returns:

• Exclusive high returns for new users: Gate offers a wealth management product with an annualized return of up to 200% for new USDT users. This event lasts for 3 days and is aimed at users who use Yubi Treasure for the first time.
• Yubibao Wealth Management Carnival: The event will start on October 21, 2025, and will last until November 30. Users can earn “Yupoints” by completing designated tasks, which can be exchanged for interest rate coupons, VIP experience cards, platform peripherals, and point cards as rewards.
• Crazy Wednesday Event: Gate launched the 13th “Crazy Wednesday” event on November 19, along with a 3-day fixed-term financial product for USDT and an additional 5,000 GT prize pool, with an annualized return of up to 16%.

07 Future Outlook: The Development Prospects and Challenges of GUSD

The emergence of GUSD represents a rewriting of the value logic of stablecoins. For a long time, the stablecoin market has been dominated by USDT and USDC, while GUSD introduces a “yield stacking” model, shifting the competitive focus from scale and application to application and yield.

GUSD is also an important practice in the trend of RWA (real-world asset) tokenization. It successfully brings traditional assets such as U.S. Treasury bonds on-chain in the form of encrypted certificates, providing a reference framework for more types of traditional assets to go on-chain in the future (such as corporate bonds, real estate, etc.).

However, GUSD also faces some challenges. Regulation is the biggest uncertainty factor. The yield narrative may provoke discussions about whether GUSD qualifies as a security, which requires a clear compliance framework to define.

The long-term sustainability of the income model also needs to be observed. The 4.4% annualized return is related to the fluctuation of the US Treasury bond market, and how to balance income and risk under the global compliance system is the core issue that GUSD needs to address.

In the coming quarters, the stablecoin market is likely to present a “multipolar” pattern: USDT will continue to occupy the top position by relying on its global liquidity advantage; USDC will maintain its position in the compliance and institutional market; while emerging stablecoins like GUSD may find breakthroughs in niche segments such as yield stacking.

Conclusion

Against the backdrop of normalization of fluctuations in the digital asset market, the robust and flexible asset appreciation solution provided by Gate GUSD is becoming an increasingly noteworthy option.

Whether it's the 4.4% base annual yield of the GUSD stablecoin or the additional earnings gained through participating in Launchpool, GUSD provides corresponding solutions for investors with different risk preferences.

Visit the Gate official website or APP, go to the “Finance” page, select your desired product, confirm the amount and duration, and then click on subscribe to start your efficient investment journey. During the remaining time in 2025, reasonably allocate Gate GUSD, which may bring more stable returns to your encryption assets.