Introduction

As Bitcoin approaches its fourth halving in 2024, investors increasingly seek stable wealth management and risk hedging tools. CeFi Earn products have become investors’ preferred choice in the crypto market due to their straightforward operation and reliable returns. As an established exchange, Gate.io has introduced a comprehensive suite of Earn tools—including Simple Earn, Auto-Invest, and Dual Investment—offering users diverse investment pathways.

Differences Between DeFi and CeFi Earn Products

1.DeFi (Decentralized Finance): A decentralized protocol based on blockchain where users can interact with smart contracts through wallets to provide liquidity, lending, and other services to earn returns. Its advantages include high transparency and low barriers to entry, but it is more susceptible to market volatility.

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2.CeFi (Centralized Finance): Funds are managed by trusted third parties, typically offering more stable and lower-risk products. CeFi Earn products include interest-bearing deposits, fixed-term investments, lending, and on-chain earnings, which are easier to regulate and can avoid smart contract risks.

CeFi’s main advantage is the security provided by centralized platforms, offering simple operations and stability, with lower operational risks and higher compliance, making it suitable for beginners or low-risk investors. In contrast, DeFi’s advantages lie in its decentralized transparency, flexible operational models, and higher potential returns, though it comes with greater market risks and potentially more complex operations. The choice between these investment methods depends on the investor’s risk tolerance and familiarity with different investment approaches. The following section will introduce several Gate.io Earn products as examples of CeFi investment products.

Gate.io Earn Products

Centralized exchanges develop Earn services on top of their trading functions to increase user retention and attract more users. Gate’s Earn is a Earn service offered by the centralized exchange Gate.io. Currently, it provides 13 Earn products, including Simple Earn, Dual Investment, Auto-Invest, and ETH 2.0 staking. Below, we’ll introduce Simple Earn, Dual Investment, and Auto-Invest as examples.

Simple Earn

Simple Earn is an Earn product that helps investors flexibly utilize their idle assets, particularly suitable for investors who are bullish on specific cryptocurrencies and plan to hold them long-term. Unlike traditional bank demand deposits, Simple Earn is based on cryptocurrencies, supports multiple mainstream coins, and offers hourly interest calculations with flexible deposits and withdrawals. Investors can earn interest income by setting lending rates and collecting fees paid by borrowers.

Simple Earn Features:

1. Flexibility: Simple Earn allows users to deposit and withdraw digital assets anytime, without time restrictions or minimum deposit requirements. Users can freely manage their funds and adjust their investment portfolios based on their Earn needs and investment strategies.
2. Customizable Interest Rates: Simple Earn allows users to set their own lending rates, flexibly choosing their desired minimum annual percentage yield. This feature enables investors to set reasonable rates based on market lending demand to maximize returns.
3. Multiple Currency Options: Simple Earn supports hundreds of mainstream and niche cryptocurrencies, including BTC, ETH, and USDT. Users can choose suitable currencies for lending based on market demand and personal investment portfolios.
4. Support for Flexible and Fixed-Term Products: Simple Earn supports both flexible and fixed-term product subscriptions to meet various user needs.

For more detailed information, please read the course: https://www.gate.io/learn/course/lend-earn-investment-guide

Dual Investment

Dual Investment is an innovative cryptocurrency Earn tool that combines market volatility, allowing investors to implement buy-low or sell-high strategies by setting target prices while earning fixed interest returns. Its core principle lies in achieving high returns through market price fluctuations, but the risk is that there’s no principal protection, and the investor’s final returns depend on whether the market price reaches the preset target.

Dual Investment offers advantages such as high yield potential, flexible strategy adjustment, zero fees, and low entry barriers, but it also faces risks including liquidity risk, market volatility risk, and the risk of not meeting target prices.

In practical operation, investors can choose between buy-low or sell-high strategies, preset target prices and expiration times based on market trends, and ultimately earn corresponding interest returns. Even if the market price doesn’t reach the target, investors can still earn interest returns. Dual Investment also provides an automatic reinvestment function, helping users achieve continuous returns through compound interest growth.

Dual Investment Features

1. Profit from Market Volatility: Earn returns through buy-low or sell-high strategies by setting target prices.
2. Fixed Interest Returns: Investors receive fixed interest income regardless of whether the market price reaches the preset target, providing certain guarantees.
3. Flexible Strategy: Investors can choose between buy-low or sell-high strategies based on market trends, flexibly adjusting investment direction.

Overall, Dual Investment is a flexible cryptocurrency Earn tool with high yield potential, suitable for investors willing to earn passive income through market volatility.

For more detailed information, please read the course: https://www.gate.io/learn/course/guide-to-dual-investment

Auto-Invest

Auto-invest is a low-risk, long-term wealth-building strategy for investors looking to grow their cryptocurrency assets. By investing fixed amounts at regular intervals, users can average their investment costs across market fluctuations and avoid emotional reactions to short-term market volatility. The process is simple—users just choose their preferred cryptocurrency and investment schedule, and the system handles the rest automatically. This makes it perfect for investors who either lack time to watch the market or want to minimize trading risks.

For example, users can set up a weekly purchase of $10 worth of Bitcoin, gradually accumulating more assets with market fluctuations and enjoying the returns from long-term investment.

Auto-invest Features

1. Regular Fixed Investment: Purchase assets at fixed times and amounts, suitable for long-term holding and cost averaging.
2. No Market Prediction Needed: Not dependent on market timing, suitable for investors with lower risk tolerance.
3. Long-term Stable Returns: Investors can enjoy steady returns from market growth through long-term regular investment.

For more detailed information, please read the course: https://www.gate.io/learn/course/guide-to-cryptocurrency-auto-investment

Advantages of Gate.io Earn Products

• Diverse Products with Rich Earn Scenarios
  Gate.io provides a diverse range of Earn products with varying interest rates to suit different investment needs. The platform caters to active investors seeking short-term high returns and conservative users looking for long-term stable income. Users can select high-yield or low-risk Earn products that align with their investment goals, risk tolerance, and market conditions to build customized investment strategies.

• Gate.io Platform Security
  Gate.io adopts advanced security mechanisms to ensure transparent asset auditing through Merkle tree and zk-SNARKs technology. User account assets are stored as hash values in the Merkle tree’s leaf nodes and verified by third-party auditors, guaranteeing sufficient reserves to protect user funds. The latest audit data (January 2025) shows Gate.io’s total reserve rate at 123.91%, with excess reserves of $1.846 billion—clearly demonstrating the platform’s Earn security and transparency. This mechanism ensures all user funds are fully backed by 100% reserves, significantly boosting user confidence in the platform’s Earn security.

Conclusion

Discover Gate.io’s versatile suite of CeFi Earn products, designed to empower investors at every level! Experience the perfect blend of flexibility and potential with our innovative Earn products, build wealth effortlessly through our smart Auto-Invest options, and unlock exceptional returns with our cutting-edge Dual Investment opportunities. Whether you’re taking your first steps into crypto or a seasoned trader, Gate.io’s powerful Earn ecosystem has everything you need to thrive. Join millions of satisfied users today and start your journey to Earn freedom with Gate.io’s world-class Earn products!