Gate Earn has recently launched fixed-term USAT savings products. This offering features three lock-up periods—7 days, 14 days, and 30 days—with annualized yields reaching up to 15%. Users can participate with as little as 1.5 USAT, but quotas are limited and available on a first-come, first-served basis. Subscription is open from March 27, 2026, 08:00 UTC to April 27, 2026, 08:00 UTC.
USAT is a compliant stablecoin backed primarily by short-term US Treasury bills. It is pegged 1:1 to the US dollar and designed specifically for institutional-grade on-chain settlement and fund management. By depositing USAT into Gate Earn’s fixed-term products, users can earn relatively stable returns on idle assets.
Gate Earn
Gate Earn is a flexible crypto asset management tool offered by the platform. When users deposit assets not currently being traded, the system automatically connects them to Gate’s internal lending market, matching them with borrowers seeking leverage. After deducting platform service fees, all interest paid by borrowers is distributed to depositors.
As of April 2026, Gate Earn supports over 800 digital assets, covering mainstream cryptocurrencies and a wide range of popular tokens. Regular annualized yields for flexible products range from 4.2% to 6.8%, fluctuating dynamically based on market lending demand.
Fixed-term savings are one of Gate Earn’s core product types. By locking assets for a specified period, users can earn higher annualized returns compared to flexible products. Terms include 7 days, 14 days, and 30 days, with yields varying by asset.
USAT Asset Background
USAT was officially launched in the US by the world’s largest stablecoin issuer, Tether, at the end of 2025. It is the first stablecoin fully compliant with the US GENIUS Act regulatory framework. Unlike Tether’s well-known USDT, USAT is issued by federally chartered Anchorage Digital Bank, with reserve assets managed by the renowned financial institution Cantor Fitzgerald.
USAT commits to investing 100% of user funds in US dollars and highly liquid assets such as short-term US Treasury bills, fully aligning with the GENIUS Act requirements. Its primary purpose is not to generate yield, but to serve as an institutional-grade "on-chain cash equivalent" for settlement and fund management.
As of April 14, 2026, USAT remains stably pegged at approximately $1.00. Previous data shows a circulating supply of about 20,002,050 USAT, with a total market capitalization exceeding $20,012,407.
Details of USAT Fixed-Term Savings
The newly launched USAT fixed-term savings on Gate Earn offer three lock-up options:
- 7-day lock-up: Ideal for short-term idle fund management. Funds are locked for 7 days, with principal and interest automatically credited to your spot account at maturity.
- 14-day lock-up: Balances yield and flexibility, suitable for users with medium-term idle funds.
- 30-day lock-up: Designed for long-term idle fund management, offering the highest annualized yield in this promotion.
During this campaign, USAT fixed-term savings offer annualized yields up to 15%, making them competitive among stablecoin savings products. The minimum subscription is just 1.5 USAT, allowing users to choose lock-up periods flexibly based on their financial planning.
Please note, this is a limited-time product with a capped total quota. Users are advised to monitor subscription status closely during the campaign. Before participating, make sure you understand that assets cannot be redeemed early during the lock-up period.
Yield Calculation
For example, if you subscribe with 1,000 USAT at an annualized yield of 15%:
| Lock-up Period | Estimated Yield (USAT) |
|---|---|
| 7 days | Approx. 2.88 USAT |
| 14 days | Approx. 5.75 USAT |
| 30 days | Approx. 12.33 USAT |
Note: The above yields are simple estimates and do not account for compounding. Actual returns are subject to the product page and settlement results.
Yield calculation follows Gate Earn’s unified rule: Daily yield = Current principal × (Annualized yield ÷ 365). For fixed-term savings, the yield rate is confirmed at subscription and remains unaffected by market lending demand fluctuations during the lock-up period.
How to Participate
To join Gate Earn’s USAT fixed-term savings, follow these steps:
Step 1: Log in and access the savings page
Log in to the Gate website or app. Find the "Savings" section in the navigation bar and enter the "Earn" product page.
Step 2: Select the USAT fixed-term savings product
Locate the USAT fixed-term savings option in the product list and click "Subscribe" to view details.
Step 3: Choose lock-up period and confirm subscription
On the subscription page, select a 7-day, 14-day, or 30-day lock-up period. Enter the amount you wish to deposit (minimum 1.5 USAT). The system will display estimated returns. Confirm the information and submit your subscription.
Step 4: View your assets and earnings
Once subscribed, assets will transfer from your spot account to Gate Earn. You can view your principal, lock-up maturity date, and estimated returns in "Held Assets" or "Savings Records." Upon maturity, principal and interest are automatically credited to your spot account.
Conclusion
Gate Earn’s USAT fixed-term savings offer stablecoin holders a way to earn fixed annualized returns during the lock-up period. Different lock-up options accommodate various liquidity needs, allowing users to choose based on their financial plans. Before participating, be sure to read the product rules carefully and understand that assets cannot be redeemed early during the lock-up period.
