Gate.io HODL & Earn is a comprehensive financial service platform created by Gate.io. It offers a variety of financial products for digital currencies, including flexible terms and fixed-terms, along with other financial options. The flexible terms products allow users to deposit and withdraw funds at any time, while fixed-terms are automatically unlocked or redeemed upon maturity, typically offering higher return rates than flexible savings.

Each product has its own investment period and annualized return rate. Users only need to meet the minimum subscription amount to participate. The specific rules for earnings may vary by product, and users are encouraged to refer to the relevant page for detailed information.

Main Products of Gate.io HODL & Earn

As a comprehensive financial service platform, Gate.io HODL & Earn brings together various financial products to cater to the diverse needs of users. Below, we provide an analysis and comparison of the main products to help users quickly find the option that best suits their financial goals.

Overview of Gate.io HODL & Earn Products: Fixed-Term and Flexible-Term Investments

• Fixed-Term Investment

Fixed-term investments are products that offer rewards by pledging certain assets. These products support a wider range of cryptocurrencies, have more flexible durations, and usually offer higher return rates.

1. To participate in a fixed-term investment, users need to enter the subscription amount, decide whether to enable automatic reinvestment, and then click “Join Now.”
2. If Auto-Invest is enabled, the principal will not be unlocked at the end of the term. Instead, it will automatically be reinvested into the next cycle. The principal will be unlocked and moved to the spot account if reinvestment fails.
3. Locking Time: The time when the user subscribes；
4. Interest Start to Accrue: The time when interest begins to accumulate；
5. Unlock/reward distribution time: The time when the principal is unlocked and the interest is distributed.

• Flexible Investment

Flexible investments allow users to earn rewards simply by holding specific cryptocurrencies. No lock-up is required—just register, and you can sell or withdraw at any time. The interest for flexible investments is calculated based on the average holding over the past 7 days (excluding borrowed holdings).

To participate, select the token supported by flexible investment, like XTZ, and set the flexible subscription rules for XTZ, which will last for 98 days.

1. Initial Investment: 1 XTZ
2. APR: About 4%
3. Time Subscribed: October 21, 2023, 9:00 UTC
4. Interest is calculated based on the 7-day average holding (excluding borrowed holdings).
5. Note: If interest is fully distributed or there are abnormal changes in the total participation amount, the project may end earlier than planned.

Advantages of Gate.io HODL & Earn

• Low entry barrier

For example, in Gate.io’s popular “Mainstream Coins Crazy Friday” series, the minimum investment is just 1 USDT, making it easy for smaller investors to get involved. Newcomers to the crypto market with limited funds, or users who only want to invest a small amount of idle cash to try wealth management, can easily choose their preferred investment options. Compared to traditional financial products, which often require tens of thousands of dollars to invest, or other cryptocurrency platforms where the minimum is 50-100 USDT, Gate.io HODL & Earn significantly lowers the entry threshold, making crypto wealth management more accessible. This approach attracts a broad user base, boosts market activity, and allows more people to benefit from the potential of cryptocurrency wealth management.

• High security

Gate.io HODL & Earn employs several measures to ensure the safety of funds. The platform regularly publishes proof of 100% reserves, showing that the digital assets and liabilities it manages are fully matched, ensuring that every investment is backed by sufficient reserves and minimizing the risk of misappropriation. On the technical side, Gate.io uses bank-grade encryption to protect user transactions and data, ensuring the security of wealth management activities and preventing cyberattacks.

• High return rate

Compared to traditional bank wealth management products, Gate.io HODL & Earn offers significant advantages in terms of yield. For example, the typical APR on a one-year fixed deposit at most banks ranges from 1.5% to 2%. However, for Gate.io’s fixed-term wealth management products, such as a 30-day term, annualized returns can range from 8% to 15%. Even some popular coins’ flexible wealth management options can provide annualized returns between 5% and 12%, far exceeding the almost zero interest offered by traditional bank savings accounts. In comparison to other digital currency wealth management platforms, such as a leading competitor, the average annualized return for 30-day fixed-term products is around 6% to 10%. With its strong platform resources, large user base, and expertise in selecting high-quality projects, Gate.io can offer more competitive returns, allowing users to maximize the growth of their idle digital assets efficiently.

Gate.io HODL & Earn Guide

• Gate.io HODL & Earn Web Guide:

Using the “Fixed-term Wealth “ as an example, here are the steps to use Gate.io HODL & Earn:

Step 1: Log into your Gate.io account and go to the product homepage through the navigation bar: Earn → HODL&Earn;

Step 2: Choose the right investment product by considering factors such as the currency, estimated annual return, investment term, and minimum subscription amount;

Step 3: Go to the subscription page, select the annualized return and term, enter the subscription amount, check the product details, and confirm your subscription;

Step 4: Review the details of the wealth management product, including locking period, estimated annual return, locking amount, received interests, and maturity time. Note: If you redeem early, you will forfeit any earnings already made.

• Gate.io HODL & Earn App Guide:

Step 1: If you are already a Gate.io user, log into your personal account. If not, you can register first. After logging in or registering, click on the icon in the top left corner, then navigate to Earn → HODL & Earn to enter the HODL & Earn page;

Step 2: The HODL & Earn homepage features six different investment products and a Hot section. You can select the options you need. You can enter the “Standard,” “Advanced,” and “Promotions” sections based on the type of product, or select by product category.

Step 3: Once you’ve selected the product type, review the corresponding rules. After confirming everything, click on the product to participate in wealth management.

Conclusion

Gate.io HODL & Earn is a tool that enables users to earn returns on idle cryptocurrency assets. It supports various cryptocurrencies and investment models, including flexible and fixed-term investments. Known for its easy-to-use interface and stable returns, it’s suitable for both long-term holdings and short-term idle funds. However, users should carefully review the product details and risks before participating and invest based on their financial situation.