What is GUSD? Gate redefines stable encryption financial management with RWA certificates.

In today's crypto market where fluctuations have become the norm, investors are more eager than ever for robust return options. In August 2025, the world's leading encryption trading platform Gate officially launched its innovative financial product – GUSD (Gate USD).

This is not a traditional stablecoin, but a yield certificate anchored to Real World Assets (RWA), designed to provide users with a new way of managing finances that is low-risk, stable, and flexible.

What is Gate's GUSD?

The GUSD launched by Gate is an innovative financial certificate based on Real World Assets (RWA). Unlike traditional stablecoins such as the Gemini Dollar, GUSD is backed by low-risk financial assets like U.S. Treasury bonds.

Users can indirectly allocate these traditional financial assets by exchanging their USDT or USDC for GUSD at a 1:1 ratio, thereby enjoying stable dollar interest returns. In simple terms, GUSD is more like a convenient, digital "income certificate" for investing in high-quality traditional assets such as U.S. Treasury bonds.

Core Advantages of GUSD

GUSD from Gate stands out among many crypto financial products, mainly due to its unique combination of yield stability, asset security, and operational flexibility.

Stable Income

GUSD provides relatively predictable returns. Its initial annualized yield reached 4.40%. Although this yield may be lower than some high-fluctuation encryption native financial products (such as Yubi Treasure), its advantage lies in being more stable and predictable, making it very suitable for users seeking steady asset growth.

Asset endorsement

The value of GUSD is supported by low-risk financial assets such as U.S. Treasury bonds. This means that the risk to your principal is relatively low, as it is backed by high-credit-rated real-world assets rather than solely relying on fluctuations within the crypto market.

Flexible Minting

GUSD supports minting using two mainstream stablecoins, USDT and USDC, providing greater flexibility in operations. You can choose based on the type of stablecoin you hold, seamlessly transitioning into a stable investment model.

Safe and Transparent

Gate promises to provide reserve audit proofs in the future, ensuring transparency and credibility of user funds. This will allow users to clearly understand the underlying asset situation corresponding to their funds, holding with more peace of mind.

The Operating Mechanism of GUSD

Understanding the operation mechanism of GUSD is the key to utilizing it efficiently, and the process mainly involves three stages: minting, earning income, and redemption.

Minting (Subscription)

You need to exchange USDT or USDC for GUSD at a 1:1 ratio on the "Earn Crypto on Chain" page of the Gate platform. The personal user single account limit is 5 million USD equivalent, while institutional users can apply for up to 10 million USD.

Revenue Acquisition

Once you hold GUSD, you can start earning daily passive income. The earnings will be automatically credited to your spot account, which you can use for reinvestment to achieve compound growth.

Redemption

When you need to retrieve funds, Gate offers two flexible redemption methods:

• Standard redemption: The fee is relatively low at 0.05%, and funds typically arrive on D+3.
• Quick Redemption: If you urgently need funds, you can choose quick redemption, with a handling fee of 0.1%. The funds usually arrive within 10 minutes.

It is important to note that upon redemption, you will receive USDC (a stablecoin known for its compliance and transparency) instead of directly redeeming USD.

Sources of Income and Risk Analysis

The earnings of GUSD do not arise out of thin air; they mainly come from interest on U.S. Treasury bonds and certain revenues from the Gate ecosystem. This earnings model makes it less volatile and more stable compared to products like on-chain staking or residual coin treasure that rely on the crypto market.

Any investment requires consideration of risks, and GUSD is no exception. Its potential risks mainly include:

• Fluctuation in US Treasury yields: This may affect the overall yield of GUSD.
• Custodian institution credit risk: Although the probability is extremely low, it still requires attention.

Overall, GUSD links user funds to stable returns in traditional financial markets through the RWA model, achieving a good balance between stable returns and capital safety.

Application Scenarios of GUSD

The value of GUSD lies not only in holding it for interest, but also in the rich application scenarios designed by the Gate ecosystem, enhancing its liquidity and practicality:

• Spot trading: GUSD has been launched on the Gate platform with multiple trading pairs, including GUSD/USDT, BTC/GUSD, ETH/GUSD, and 9 other trading markets, allowing you to trade conveniently.
• Launchpool Staking: You can use GUSD to participate in the Launchpool staking of new projects. For example, the first GUSD staking pool allows users to stake GUSD to share in the CeluvPlay (CELB) token rewards, with an estimated annual yield of up to 365%.
• Unified account margin and lending: GUSD can be used as margin assets for Gate unified accounts and can also be used for lending, flexibly applied in leverage and contract trading strategies.
• Yubi Treasure Current Wealth Management: GUSD has also been added to Yubi Treasure Current Wealth Management service, allowing for flexible deposits and withdrawals, further increasing the flexibility of fund utilization.

Why choose Gate platform's GUSD?

In the current scenario where various financial products are launched on numerous platforms globally, the reasons for choosing Gate's GUSD are as follows:

• Strong platform strength: Gate is one of the world's leading crypto platforms, operating steadily for over 12 years, with asset management scale exceeding 4 billion USD, making it trustworthy.
• Compliance and Transparency Commitment: Gate commits to publicly disclose reserve proofs and fund certificates from cooperative custodians, ensuring that GUSD issuance is fully backed by assets and is subject to public verification.
• High ecological integration: GUSD is not an isolated product, but is deeply integrated into Gate's entire financial ecosystem, with diverse application scenarios ranging from spot trading, wealth management to leverage, contracts, and Launchpool.

Frequently Asked Questions (FAQ)

Q1: Is Gate's GUSD the same as Gemini Dollar (GUSD)?

No. This is a very important distinction. Gate's GUSD is a revenue certificate based on RWA, while the Gemini Dollar is a traditional fiat-backed stablecoin supported 1:1 by USD. The two are completely different products.

Q2: Why is the yield of GUSD sometimes lower than that of Yu Bi Bao?

The yield of Yubi Treasure depends on the borrowing demand in the crypto market, which has a high fluctuation. On the other hand, the yield of GUSD mainly comes from US Treasury interest, making it more stable and reliable in terms of sources. Although the short-term yield may be lower, it is more suitable for long-term stable allocation.

Q3: Why do I receive USDC when redeeming GUSD?

Because USDC is backed by dollar deposits and short-term government bonds, it is considered one of the stablecoins closest to a "digital dollar", and is more compliant and transparent, which helps enhance user trust and the security of funds.

Q4: How to choose a redemption method?

If you urgently need to access funds, you can choose fast redemption; if you have a lower requirement for the time it takes for the funds to arrive and wish to save on costs, you can choose the standard redemption with lower fees.

Future Outlook

Gate's GUSD represents an important trend towards compliance and stability in the crypto finance sector. It successfully combines the stable returns of traditional financial markets (such as US Treasury bonds) with the flexibility and innovation of the crypto world.

For investors who wish to participate in the growth of the crypto market while placing a high value on capital security and stable returns, GUSD undoubtedly offers a high-quality option worth serious consideration.