As RWA (Real World Assets) gradually becomes a popular track in crypto finance, how to efficiently allocate USD assets on-chain has become a focus for more and more users. The GUSD, launched by Gate on August 29, 2025, is a brand new financial certificate designed to meet this demand. It is backed by RWA such as U.S. Treasury bonds, providing users with stable returns while allowing them to enjoy the value accumulation over time under the premise of ensuring liquidity.
Product positioning of GUSD
Compared to general stablecoins, GUSD is not just a tool for trading and settlement, but a dollar certificate with the characteristic of "time interest accrual." Users can receive both principal and accumulated interest in a lump sum upon redemption by holding GUSD. In other words, GUSD is more like an on-chain digital "note," which is both stable and able to appreciate in value.
The simple process of minting and usage
Gate provides users with two main entry methods:
- Directly exchange USDT for GUSD in the spot market;
- Mint GUSD at a 1:1 ratio using USDT or USDC through the on-chain earning feature.
After minting is complete, GUSD can not only be used as collateral for trading but can also enter staking, lending, or ecological activities, covering a diverse range of use cases.
Earnings Model: Binding of Time and Interest
The yield of GUSD comes from underlying US Treasury bonds and other RWAs. Unlike traditional financial products that distribute daily dividends, GUSD adopts a "settlement upon redemption" model. For example, if a user mints GUSD with 100 USDT and accumulates 20% yield during the holding period, they can receive 120 USDC upon redemption.
At the same time, Gate also launched "Yubi Bao GUSD Savings", allowing idle positions to continue earning interest automatically, improving capital utilization.
Incentive mechanisms and ecological overlay
In addition to the basic interest, GUSD also amplifies returns through ecological activities. The staking pool launched by Gate allows users to stake GUSD to obtain CELB tokens, with the official estimate of an annualized return of up to 365% (subject to activity rules). In the future, GUSD will also be integrated with services such as CandyDrop and lending, forming a dual drive of "stable returns + ecological incentives."
Transparency and Exit Mechanism
Security and liquidity are the two main concerns for investors. Gate plans to expand the scale of GUSD to over 100 million USD and will gradually disclose reserve proofs and custodian information to ensure 100% full backing. As for exit options, users can exchange GUSD back to USDC at a 1:1 ratio at any time, and then convert it back to USDT or other assets, ensuring the free flow of funds.
Differences from other RWA products
- Supports dual currency minting (USDT / USDC), more in line with global user habits;
- One coin, four uses: trading, margin, wealth management, staking, with more comprehensive coverage of scenarios.
- In conjunction with Gate ecosystem activities, the revenue dimension is more three-dimensional.
This means that GUSD is not just an on-chain passive income tool, but a funding hub that connects RWA and the crypto ecosystem.
Who is suitable for holding GUSD
- Users who want to achieve stable returns on USD assets without sacrificing liquidity.
- Investors who frequently participate in trading and ecological activities, and require integrated margin management;
- A long-term allocator hoping to enhance capital efficiency through stacked incentives.
Whether you are a novice or an experienced user, GUSD provides a simplified and secure path for fund management.
Risk and Compliance Tips
The crypto market is subject to price volatility, regulatory compliance, and technological risks. The content of this article is for informational sharing only and does not constitute investment advice. Please assess the risks thoroughly before participating and read the Gate official user agreement to understand the scope and limitations of the services.
User Agreement: https://www.gate.com/legal/user-agreement
Summary: The Future Solutions for On-chain Cash Management
GUSD combines the bill logic of traditional finance with the high liquidity of blockchain: users only need to complete the minting to enjoy interest income accumulated over time; at the same time, staking and ecological activities provide additional returns. As Gate gradually expands its services in trading, lending, residual coin treasure, and staking, GUSD is expected to become a long-term core allocation of on-chain USD assets, helping users achieve the dual goals of "stable returns + flexible liquidity.
