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Platform review/crypto

Gate.io Earn

Gate.io is one of the older exchanges (founded 2017, with roots back to 2013) and one of the broadest — it lists thousands of assets and offers earn across many of them. It's registered in several jurisdictions (Malta's MFSA, Duba…

Is Gate.io Earn safe? It scores B on our five safety checks, passing 4 of 5 — Regulation, Proof-of-Reserves, Flexible withdrawal, Insurance Fund; not passed: Track record (2+ years incident-free). Every check below cites the evidence behind it and links its source.

Safety grade
B
4 of 5 criteria passed
🟡Medium risk
Verified Jul 29, 2026 Auto-sync
JurisdictionMalta (MFSA) + Dubai VARA + Hong Kong + Italy + BahamasFounded2017Minimum$1Insurance Fund$100MYield products234Unavailable inUS, CN, UK
The five checks

Why this grade

Is Gate.io Earn safe? →
5 criteria · check each one
  • Regulation

    One of the broadest license sets among independent exchanges — Malta (MFSA Class 4 VFA), Dubai VARA (full operating), Hong Kong (TCSP), Italy (OAM VASP), Bahamas (SCB). Source →

  • Proof-of-Reserves

    Publishes PoR with ZK-proofs and Merkle-tree, audited by Hacken. Sep 2025: $12B reserves, 123.98% coverage (BTC 137.69%, ETH 121.36%). Source →

  • Flexible withdrawal

    Simple Earn Flexible with no lock period. Fixed-term products are clearly timed. No withdrawal complaints. Source 1 → Source 2 →

  • Insurance Fund

    SAFU fund of $100M+ plus Gate Shield Fund. Not third-party insured, but of public size. Source →

  • Track record (2+ years incident-free)

    2018 incident (~$234M, tied to predecessor Bter.com — details disputed). No major confirmed incidents since 2022; holds ISO 27001. Source →

Track record

Incidents we count

Known incidents

1
  • February 2018 An incident of ~$234M tied to the predecessor exchange Bter.com. Details are publicly disputed; Gate has since rebuilt its infrastructure (ISO 27001, regular PoR). Source →
Rates

All Gate.io Earn products

Yield products

as of Jul 29, 2026
Product Rate Type Lock
O 17.5 % flexible Open Gate.io Earn →
LIT 17.3 % flexible Open Gate.io Earn →
ZK 15.6 % flexible Open Gate.io Earn →
JST 12.4 % flexible Open Gate.io Earn →
ALLO 11 % flexible Open Gate.io Earn →
SKR 10 % flexible Open Gate.io Earn →
SPYON 8.43 % flexible Open Gate.io Earn →
UAI 8.26 % flexible Open Gate.io Earn →
MET 8.2 % flexible Open Gate.io Earn →
NEO 7.99 % flexible Open Gate.io Earn →
SNX 7.64 % flexible Open Gate.io Earn →
WAL 7.63 % flexible Open Gate.io Earn →
MEME 7.44 % flexible Open Gate.io Earn →
ATOM 7.35 % flexible Open Gate.io Earn →
IOTA 7.25 % flexible Open Gate.io Earn →
SOON 7.09 % flexible Open Gate.io Earn →
AZTEC 6.98 % flexible Open Gate.io Earn →
ON 6.92 % flexible Open Gate.io Earn →
SUN 6.89 % flexible Open Gate.io Earn →
BEAT 6.85 % flexible Open Gate.io Earn →
CHZ 6.81 % flexible Open Gate.io Earn →
XCN 6.7 % flexible Open Gate.io Earn →
ICNT 6.41 % flexible Open Gate.io Earn →
TOSHI 6.35 % flexible Open Gate.io Earn →
SPK 6.1 % flexible Open Gate.io Earn →
CVX 5.54 % flexible Open Gate.io Earn →
XPL 5.51 % flexible Open Gate.io Earn →
MAGMA 5.39 % flexible Open Gate.io Earn →
SKY 5.3 % flexible Open Gate.io Earn →
JTO 5.26 % flexible Open Gate.io Earn →
ZETA 5.25 % flexible Open Gate.io Earn →
SAPIEN 5.19 % flexible Open Gate.io Earn →
USDD 5.09 % flexible Open Gate.io Earn →
KITE 5.07 % flexible Open Gate.io Earn →
PENGU 4.74 % flexible Open Gate.io Earn →
BERA 4.71 % flexible Open Gate.io Earn →
GRAM 4.53 % flexible Open Gate.io Earn →
XPIN 4.46 % flexible Open Gate.io Earn →
PAXG 4.38 % flexible Open Gate.io Earn →
GRT 4.19 % flexible Open Gate.io Earn →
1INCH 4.17 % flexible Open Gate.io Earn →
KAIA 4.16 % flexible Open Gate.io Earn →
APE 4.13 % flexible Open Gate.io Earn →
RVN 4.04 % flexible Open Gate.io Earn →
USDE 4.0 % flexible Open Gate.io Earn →
ZRX 3.94 % flexible Open Gate.io Earn →
STRK 3.92 % flexible Open Gate.io Earn →
ENJ 3.82 % flexible Open Gate.io Earn →
SOL 3.82 % flexible Open Gate.io Earn →
KMNO 3.82 % flexible Open Gate.io Earn →
CFX 3.78 % flexible Open Gate.io Earn →
TIA 3.77 % flexible Open Gate.io Earn →
MYX 3.52 % flexible Open Gate.io Earn →
VIRTUAL 3.51 % flexible Open Gate.io Earn →
JUP 3.51 % flexible Open Gate.io Earn →
KSM 3.48 % flexible Open Gate.io Earn →
INJ 3.41 % flexible Open Gate.io Earn →
XTZ 3.29 % flexible Open Gate.io Earn →
NEAR 3.26 % flexible Open Gate.io Earn →
TAG 3.19 % flexible Open Gate.io Earn →
TRUMP 3.19 % flexible Open Gate.io Earn →
RUNE 3.18 % flexible Open Gate.io Earn →
EIGEN 3.17 % flexible Open Gate.io Earn →
BONK 3.15 % flexible Open Gate.io Earn →
NEXO 2.91 % flexible Open Gate.io Earn →
FF 2.89 % flexible Open Gate.io Earn →
BANANAS31 2.81 % flexible Open Gate.io Earn →
KAVA 2.78 % flexible Open Gate.io Earn →
GALA 2.76 % flexible Open Gate.io Earn →
W 2.69 % flexible Open Gate.io Earn →
UB 2.68 % flexible Open Gate.io Earn →
ZBT 2.67 % flexible Open Gate.io Earn →
PIEVERSE 2.66 % flexible Open Gate.io Earn →
FLR 2.53 % flexible Open Gate.io Earn →
2Z 2.45 % flexible Open Gate.io Earn →
EGLD 2.43 % flexible Open Gate.io Earn →
SEI 2.41 % flexible Open Gate.io Earn →
COMP 2.39 % flexible Open Gate.io Earn →
ALGO 2.37 % flexible Open Gate.io Earn →
A 2.3 % flexible Open Gate.io Earn →
IMX 2.27 % flexible Open Gate.io Earn →
MORPHO 2.24 % flexible Open Gate.io Earn →
CRO 2.22 % flexible Open Gate.io Earn →
RSR 2.19 % flexible Open Gate.io Earn →
REQ 2.19 % flexible Open Gate.io Earn →
ENA 2.11 % flexible Open Gate.io Earn →
TAO 2.01 % flexible Open Gate.io Earn →
JASMY 2.0 % flexible Open Gate.io Earn →
STX 1.97 % flexible Open Gate.io Earn →
AIOZ 1.91 % flexible Open Gate.io Earn →
NXPC 1.88 % flexible Open Gate.io Earn →
BR 1.84 % flexible Open Gate.io Earn →
ETH 1.83 % flexible Open Gate.io Earn →
PLUME 1.78 % flexible Open Gate.io Earn →
ARKM 1.75 % flexible Open Gate.io Earn →
STABLE 1.71 % flexible Open Gate.io Earn →
US 1.68 % flexible Open Gate.io Earn →
GNO 1.62 % flexible Open Gate.io Earn →
TWT 1.61 % flexible Open Gate.io Earn →
IO 1.61 % flexible Open Gate.io Earn →
USDT 1.53 % flexible Open Gate.io Earn →
POLYX 1.53 % flexible Open Gate.io Earn →
WIF 1.52 % flexible Open Gate.io Earn →
MON 1.43 % flexible Open Gate.io Earn →
ZBCN 1.42 % flexible Open Gate.io Earn →
ORCA 1.39 % flexible Open Gate.io Earn →
YFI 1.39 % flexible Open Gate.io Earn →
CHEEMS 1.37 % flexible Open Gate.io Earn →
GRASS 1.35 % flexible Open Gate.io Earn →
AVAX 1.32 % flexible Open Gate.io Earn →
MEGA 1.32 % flexible Open Gate.io Earn →
TRX 1.3 % flexible Open Gate.io Earn →
DRV 1.29 % flexible Open Gate.io Earn →
FRAX 1.29 % flexible Open Gate.io Earn →
XEC 1.29 % flexible Open Gate.io Earn →
WLD 1.27 % flexible Open Gate.io Earn →
DEGEN 1.27 % flexible Open Gate.io Earn →
SAND 1.18 % flexible Open Gate.io Earn →
SUSHI 1.16 % flexible Open Gate.io Earn →
FARTCOIN 1.15 % flexible Open Gate.io Earn →
LAB 1.15 % flexible Open Gate.io Earn →
PUMP 1.14 % flexible Open Gate.io Earn →
THETA 1.1 % flexible Open Gate.io Earn →
USDC 1.1 % flexible Open Gate.io Earn →
MANA 1.1 % flexible Open Gate.io Earn →
Q 1.08 % flexible Open Gate.io Earn →
S 1.05 % flexible Open Gate.io Earn →
POL 1.04 % flexible Open Gate.io Earn →
BAT 1.04 % flexible Open Gate.io Earn →
OP 1.02 % flexible Open Gate.io Earn →
H 0.98 % flexible Open Gate.io Earn →
XVS 0.97 % flexible Open Gate.io Earn →
SPYX 0.96 % flexible Open Gate.io Earn →
FET 0.96 % flexible Open Gate.io Earn →
APT 0.96 % flexible Open Gate.io Earn →
BIO 0.96 % flexible Open Gate.io Earn →
ARB 0.94 % flexible Open Gate.io Earn →
DOT 0.93 % flexible Open Gate.io Earn →
WLFI 0.89 % flexible Open Gate.io Earn →
ICP 0.88 % flexible Open Gate.io Earn →
XAUT 0.86 % flexible Open Gate.io Earn →
AAVE 0.86 % flexible Open Gate.io Earn →
ZRO 0.86 % flexible Open Gate.io Earn →
DBR 0.83 % flexible Open Gate.io Earn →
ATH 0.82 % flexible Open Gate.io Earn →
CRV 0.81 % flexible Open Gate.io Earn →
FLOKI 0.81 % flexible Open Gate.io Earn →
MINA 0.79 % flexible Open Gate.io Earn →
TURBO 0.78 % flexible Open Gate.io Earn →
LINEA 0.77 % flexible Open Gate.io Earn →
LDO 0.75 % flexible Open Gate.io Earn →
BABYDOGE 0.73 % flexible Open Gate.io Earn →
FORM 0.73 % flexible Open Gate.io Earn →
BCH 0.73 % flexible Open Gate.io Earn →
HYPE 0.7 % flexible Open Gate.io Earn →
SPX 0.7 % flexible Open Gate.io Earn →
COAI 0.69 % flexible Open Gate.io Earn →
GAS 0.69 % flexible Open Gate.io Earn →
GT 0.67 % flexible Open Gate.io Earn →
XPR 0.66 % flexible Open Gate.io Earn →
PENDLE 0.64 % flexible Open Gate.io Earn →
B 0.61 % flexible Open Gate.io Earn →
NMR 0.61 % flexible Open Gate.io Earn →
GPS 0.6 % flexible Open Gate.io Earn →
RENDER 0.59 % flexible Open Gate.io Earn →
ENS 0.56 % flexible Open Gate.io Earn →
SUPER 0.54 % flexible Open Gate.io Earn →
AERO 0.53 % flexible Open Gate.io Earn →
VET 0.53 % flexible Open Gate.io Earn →
LUNC 0.49 % flexible Open Gate.io Earn →
MSTRX 0.49 % flexible Open Gate.io Earn →
CC 0.48 % flexible Open Gate.io Earn →
RAY 0.48 % flexible Open Gate.io Earn →
CFG 0.46 % flexible Open Gate.io Earn →
GLM 0.45 % flexible Open Gate.io Earn →
SYRUP 0.42 % flexible Open Gate.io Earn →
XLM 0.4 % flexible Open Gate.io Earn →
AXS 0.39 % flexible Open Gate.io Earn →
QNT 0.34 % flexible Open Gate.io Earn →
SUI 0.33 % flexible Open Gate.io Earn →
NIGHT 0.32 % flexible Open Gate.io Earn →
CRCLON 0.32 % flexible Open Gate.io Earn →
XRP 0.29 % flexible Open Gate.io Earn →
LEO 0.29 % flexible Open Gate.io Earn →
FLUID 0.28 % flexible Open Gate.io Earn →
GUSD 0.27 % flexible Open Gate.io Earn →
ETHFI 0.26 % flexible Open Gate.io Earn →
USD1 0.26 % flexible Open Gate.io Earn →
ADA 0.26 % flexible Open Gate.io Earn →
TSLAX 0.25 % flexible Open Gate.io Earn →
VELO 0.24 % flexible Open Gate.io Earn →
LTC 0.23 % flexible Open Gate.io Earn →
DYDX 0.22 % flexible Open Gate.io Earn →
COW 0.21 % flexible Open Gate.io Earn →
NFT 0.21 % flexible Open Gate.io Earn →
ASTER 0.2 % flexible Open Gate.io Earn →
SOSO 0.2 % flexible Open Gate.io Earn →
MELANIA 0.19 % flexible Open Gate.io Earn →
ORDI 0.18 % flexible Open Gate.io Earn →
PYTH 0.18 % flexible Open Gate.io Earn →
PEPE 0.17 % flexible Open Gate.io Earn →
HBAR 0.16 % flexible Open Gate.io Earn →
PI 0.15 % flexible Open Gate.io Earn →
AKT 0.15 % flexible Open Gate.io Earn →
AR 0.14 % flexible Open Gate.io Earn →
TFUEL 0.14 % flexible Open Gate.io Earn →
FLOW 0.13 % flexible Open Gate.io Earn →
CAKE 0.13 % flexible Open Gate.io Earn →
XDC 0.13 % flexible Open Gate.io Earn →
BSV 0.12 % flexible Open Gate.io Earn →
ARC 0.12 % flexible Open Gate.io Earn →
BAN 0.12 % flexible Open Gate.io Earn →
ONDO 0.12 % flexible Open Gate.io Earn →
MNT 0.11 % flexible Open Gate.io Earn →
FIL 0.11 % flexible Open Gate.io Earn →
QTUM 0.1 % flexible Open Gate.io Earn →
FDUSD 0.1 % flexible Open Gate.io Earn →
DOGE 0.1 % flexible Open Gate.io Earn →
KAS 0.1 % flexible Open Gate.io Earn →
BABY 0.1 % flexible Open Gate.io Earn →
LINK 0.1 % flexible Open Gate.io Earn →
BTC 0.1 % flexible Open Gate.io Earn →
JELLYJELLY 0.1 % flexible Open Gate.io Earn →
U 0.1 % flexible Open Gate.io Earn →
DOG 0.1 % flexible Open Gate.io Earn →
QUBIC 0.1 % flexible Open Gate.io Earn →
CRCLX 0.1 % flexible Open Gate.io Earn →
OKB 0.1 % flexible Open Gate.io Earn →
WEMIX 0.1 % flexible Open Gate.io Earn →
SHIB 0.1 % flexible Open Gate.io Earn →
UNI 0.1 % flexible Open Gate.io Earn →
ETC 0.1 % flexible Open Gate.io Earn →
BNB 0.1 % flexible Open Gate.io Earn →
BEAM 0.1 % flexible Open Gate.io Earn →
Calculator

What would Gate.io Earn pay you?

How much will you earn?

USDE
Interest
+40.74 USDE
Total
1,040.74 USDE
On Gate.io Earn:+0.11per day·+3.33per month·+40.74per year

Method: monthly compounding (1 + APR/12)ⁿ, where APR is the exchange's stated rate. The realized 12-month return is slightly higher due to reinvestment. Rates may change. Not financial advice.

Rate history

How yields have moved

Source: daily snapshots via exchange API · accumulating since YieldScope launch

Open account on Gate.io Earn →

Affiliate link · price for you doesn't change · we earn a commission from Gate.io Earn

Overview

Gate.io review: what this platform is

Gate.io is one of the older exchanges (founded 2017, with roots back to 2013) and one of the broadest — it lists thousands of assets and offers earn across many of them. It's registered in several jurisdictions (Malta's MFSA, Dubai's VARA, Hong Kong, Italy, the Bahamas), publishes proof-of-reserves, and runs an insurance fund.

So why a B and not an A? Track record. A roughly $234M incident in 2018 is tied to Gate's predecessor, Bter.com; the details are publicly disputed, and Gate has since rebuilt its infrastructure (ISO 27001 certification, regular proof-of-reserves). No major incident has recurred — but the history is real, and our track-record check flags it.

A practical note for yield-seekers: Gate's stablecoin rates are actually low (USDC around 0.8%, USDT around 1.5%); the eye-catching numbers are on volatile assets like TON (around 6%). Match the asset to your risk tolerance, not the headline. This review is not investment advice.

How Earn works on Gate.io

Gate Earn is flexible from $1 across a very wide asset range. The pattern is the opposite of what newcomers expect: stablecoins pay little here (USDC around 0.8%, USDT around 1.5%, BTC around 0.1%), while volatile tokens like TON (around 6.1%) and SOL (around 4.2%) pay more — because that's where borrowing demand and risk sit.

Use the breadth for assets you already hold rather than chasing the top number. Rates float; verify on Gate before depositing.

How to start on Gate.io, step by step

  1. 01Open a Gate account and complete verification.
  2. 02Go to Earn → Savings and pick a flexible product for an asset you actually hold.
  3. 03Deposit; rewards accrue daily and flexible balances can be withdrawn anytime.
Verdict

Should you park money here?

✓ Pros
  • +Very broad asset selection — earn on coins few competitors list
  • +Registered across multiple jurisdictions (MFSA, VARA, Hong Kong, Italy, Bahamas)
  • +Publishes proof-of-reserves and runs an insurance fund; ISO 27001 since rebuilding
  • +Flexible products with a $1 minimum
✕ Cons
  • Track record: ~$234M 2018 incident tied to predecessor Bter.com (disputed) — the reason it's B, not A
  • Stablecoin rates are low; the high numbers are on volatile assets
  • Very long-tail listings include risky micro-cap tokens — pick carefully
  • Earning means lending and custody risk, as anywhere
⚖️
Our verdict.Gate is a solid B: broadly regulated, transparent, with the widest asset menu on our board — held back from an A only by the disputed 2018 Bter history. Good for earning on coins others don't list, but don't come for the stablecoin rates (they're low) and skip the long-tail micro-caps. Not financial advice.

Frequently asked questions

Is Gate.io Earn safe?
In our assessment Gate.io Earn has a risk grade of B: it passes 4 of 5 reliability criteria — Regulation, Proof-of-Reserves, Flexible withdrawal, Insurance Fund; not passed: Track record (2+ years incident-free). Jurisdiction: Malta (MFSA) + Dubai VARA + Hong Kong + Italy + Bahamas, operating since 2017. The grade is a guide, not a guarantee; the decision is always yours.
What are the rates on Gate.io Earn?
The current top rate on Gate.io Earn is around 17.5 % APY (per our data, updated regularly). 234 assets are available: stablecoins, BTC, ETH and more. Exact rates, product type and terms are in the table above.
Can I withdraw quickly from Gate.io Earn?
Yes. Gate.io Earn offers flexible products with no lock period, so you can withdraw at any time. Some fixed-term products have an explicit lock period, shown in the table.
What is the minimum deposit on Gate.io Earn?
The minimum deposit is around $1. Note: the platform isn't available in every country — check the regional restrictions above.
⚠️ High-risk platform

Proceed anyway →