Gate Xianqianbao officially launched: automatic interest on idle funds in the account Gate has officially launched a new idle stablecoin appreciation product - Idle Money Treasure. After opening Xianqianbao, the system will automatically calculate the available balance of various stablecoins such as USDT and USDC that meet the conditions in the account on a daily basis, and enjoy low-risk guaranteed investment returns of US bond level, with a current annualized yield of up to 3%. Users can manually activate the Xianqianbao function, without the need for each purchase or lock up, and the existing account funds can still be used for trading normally. Experience Xianqianbao immediately What is Idle Money Treasure? Idle Money Treasure is a stablecoin idle fund appreciation service launched by Gate. After the user opens it, the system takes daily snapshots of various stablecoins such as USDT and USDC that meet the conditions in the trading account and contract account, and automatically participates in low-risk wealth management returns based on the effective balance. The underlying returns of Xianqianbao mainly come from low-risk wealth management such as US bonds, money market funds, on chain staking, RWA, etc. The platform bears the risk of capital preservation for users and regularly releases transparency reports on underlying assets. After manual activation, there is no need to manually subscribe or exchange for other assets on a daily basis. The original stablecoin remains in the account and can be used for trading at any time. Product Advantages Holding coins earns interest without the need for subscription After opening Xianqianbao, stablecoins such as USDT and USDC that meet the conditions in the account can automatically participate in interest earning without manual subscription or exchange for other assets. The current annualized rate of return is as high as 3%, and the actual rate of return will be dynamically adjusted according to market conditions. Funds remain available, and trading yields both profits and losses Participating in Idle Money Treasure does not require locking positions, and the original stablecoins are still kept in the trading account or contract account, which can be used for trading normally, while maintaining fund flexibility while obtaining profits. Daily automatic snapshot, automatic receipt of profits The system automatically calculates the available balance of eligible stablecoins on a daily basis and calculates returns based on this. Complete the snapshot on T day, calculate the profit on T+1 day and automatically distribute it to the trading account, without the need for manual operation throughout the process. Continuously expanding usage scenarios and improving financial efficiency Xianqianbao will continue to expand its platform usage scenarios, covering more trading and asset management needs with interest bearing assets, and further improving the efficiency of fund utilization while obtaining profits. High quality underlying asset support The income of Idle Money Treasure mainly comes from low-risk wealth management such as US bonds, money market funds, on chain staking, RWA, etc. While maintaining fund flexibility, it provides a relatively stable source of income for idle stablecoins in the account. The platform assumes the risk of capital preservation for users and regularly releases transparency reports on underlying assets. How to participate in Idle Money Treasure? Step 1: Enter Xianqianbao Log in to the Gate App or Web and go to [Wealth Management] - [Idle Money Treasure]. Step 2: One click activation Click [Enable] to complete the activation of the Xianqianbao function. Step 3: Automatic interest generation After activation, there is no need to repeat the subscription or exchange for other assets. The system will automatically calculate the available balance of stablecoins such as USDT and USDC that meet the conditions in the account on a daily basis, and participate in returns based on the effective balance. Step 4: Revenue received The T+1-day earnings will be automatically distributed to the trading account without the need for manual collection. Snapshot and Revenue Rules Idle Money Treasure adopts a daily snapshot mechanism to calculate the available balance of stablecoins such as USDT and USDC in trading and contract accounts. The following assets are not included in the effective balance: Borrowing assets; Freeze assets through hanging orders; Margin occupies assets. The system will calculate the corresponding income based on the effective daily balance, and distribute the income on T+1 day. Frequently Asked Questions Where does the income of Idle Money Treasure come from? The returns of Idle Money Treasure mainly come from low-risk investment returns such as US bonds, money market funds, on chain staking, RWA, etc. It does not participate in any high-risk quantitative strategies or on chain high-risk products, and does not participate in any algorithmic stablecoins. The platform assumes the risk of capital preservation for users and regularly releases transparency reports on underlying assets. When will the profits be distributed? Take daily snapshot on T day, calculate profits on T+1 day and automatically distribute them to the trading account. No sensation throughout the process, no need for you to manually collect. Which users can participate? Users who have completed personal KYC authentication only need to enable this function, and their funds can participate by staying in their accounts without the need for subscription locking. Institutional users are not eligible to participate. What is the difference between Idle Money Treasure and GUSD Current US Bond? Both rely on low-risk asset returns as their main source of income, but their participation methods are different. GUSD current US bonds need to be actively subscribed and held to obtain returns; Idle Money Treasure does not require subscription or exchange for other assets. The system automatically calculates the balance of stable coins that meet the conditions in the account and calculates the income on a daily basis. The original assets are still retained in the account and can be traded normally. In the future, Gate will also consider merging the GUSD function into Xianqianbao, summarizing Xianqianbao's daily snapshots and displaying them in the form of GUSD vouchers. This voucher can be used to participate in internal activities such as Launchpool and expand Web3 application scenarios, and users have not actually redeemed or held GUSD. Risk statement The yield of Idle Money Treasure is not fixed, and the actual annualized yield, supporting assets, and interest calculation rules may be adjusted according to market conditions. Cryptocurrency assets and related financial products carry risks, please participate cautiously based on your own risk tolerance. The specific rules shall be subject to the Gate product page and the latest official announcement. Gate team August 26, 2026