In today's complex and ever-changing financial market, investors increasingly pursue diversified and personalized investment solutions. A thousand exchanges will create a thousand different solutions to meet these increasingly vertical asset management needs. Gate.io, a cryptocurrency trading platform established over a decade ago, believes only the safest and lowest-risk asset management methods can provide investors with a steady and reliable income stream.
Recently, Gate.io has launched a series of wealth management products, including fixed-income products, structured products, and soon cloud mining. Structured and fixed-income offerings are capital-guaranteed wealth management products that are especially popular among users with low-risk appetite.
This article covers an in-depth discussion with the Gate team, providing a reference for users to make more informed investment choices and fully understand the characteristics of these products.
Once Met, Now Rediscovered
- Q: What is the difference between Gate.io's current wealth management products and other alternatives?
Gate.io: Besides everyday wealth management products, Gate.io is the first centralized exchange to launch SharkFin products, which have operated stably for nearly two years. Our wealth management products mainly focus on fixed-income and structured offerings, which are our star products. Fixed-income products provide 7 and 45-day terms, supporting BTC, USDT and ETH, with 2% and 4.5% interest rates, respectively. They offer an ideal choice for investors who pursue stable income. Of course, while providing high-quality products, we have also adjusted the subscription threshold. The current product subscription threshold is 10,000 USDT / 0.5 BTC / 10 ETH.
As for structured products, mainstream SharkFin products have also achieved good response in the market. Currently, the lock-up period is 7 days, divided into two types: preferred and stable. The interest rate ranges from 3% to 14%, higher than the market average. The subscription threshold is the same as that of fixed income.
We are also preparing to launch cloud mining products, which are expected to provide investors with more diversified investment opportunities.
With consideration to the liquidity needs of users, we will soon launch Fixed Income Plus - it will also support USDT, BTC, and ETH. After the lock-up period, user funds will enter the current period, and customers can apply for redemption anytime. So even after the lock-up period ends, if you forget to re-purchase the product, you can still have income protection, and the current period will be adjusted according to market fluctuations.
Users are welcome to pay attention to our official channels for the launch of follow-up products. In general, Gate.io products are mainly characterized by capital preservation and stability and have won the trust and support of investors. We will continue to work hard to provide investors with more high-quality investment options.
- Q: Most users accept financial management as a basic product concept, so why is it necessary to launch wealth management?
Gate.io: As a fundamental concept that has existed in the financial field for a long time, most users have recognized financial management as an option. But as a leading exchange operating safely in the industry for more than 10 years, Gate.io has to do the difficult but correct thing.
With the development of the market and the increasingly diverse needs of users, ordinary wealth management products can no longer meet the needs of all users. Compared with traditional financial management, wealth management pays more attention to personalization and diversification, is committed to meeting the needs of different groups of people, and relies on scale to reduce product risks while enhancing its bargaining power. It's not only about capital appreciation but also about asset allocation, risk management, and relatively long-term financial planning.
Excellent and high-quality wealth management services are a symbol of the gradual maturity of the wealth management landscape. The sheer scale of capital and large investment goals of miners, whales, and institutional investors make it difficult for traditional wealth management products to meet their in-depth needs. In this case, a systematic and risk-controllable asset management solution is urgently needed.
Gate.io's wealth management products are launched based on such market insights. We aim to provide users with more comprehensive and diversified investment strategies and solutions and do difficult but correct things. Especially for those users who have a large amount of digital assets or have specific financial needs, our wealth management products can provide them with more accurate and efficient services than traditional financial management.
- Q: What is the user's current experience feedback on the products?
Gate.io: We attach great importance to user feedback, which is the key to further optimizing products and services. Judging from current feedback, users have conveyed clear expectations for Gate.io's wealth management products.
Fixed-income products are favoured by users for income stability. In contrast, some users prefer the surprise that SharkFin products can bring, with income higher than the market average. The result of steady earnings beyond expectations has provided our customers with solid backing in the bear market and further deepened their trust in Gate.io.
Of course, we have also received constructive feedback. Some users mentioned improving the utilization rate of funds, so our product team worked overtime and quickly adjusted the income settlement plan to ensure that users could seamlessly participate in each phase of wealth management products. In addition, users often give very constructive suggestions about the user experience. The current purchase process is simple, clear, and accurate, partly due to our continuous communication with users.
On behalf of the Gate.io team, I would like to take this opportunity to thank every user who gave us feedback. Your feedback is the driving force for us to move forward. We will continue working hard to optimize our products and services to better meet your needs.
Satisfying the needs of users is the basis for a win-win situation
- Q: How does Gate.io Wealth Management deal with the learning curve of some wealth management products? How do you help users improve their financial understanding and risk awareness?
Gate.io: Well, in the financial field, especially regarding wealth management, product complexity is inevitable. But that doesn't mean users must be confused by these complexities. We aim to simplify wealth management so that every user can make investment decisions easily and confidently. For them, entering the field can feel a little disorienting, even a little scary. Therefore, Gate.io has been committed to creating easily digestible product pages that give users a complete picture of the products.
At present, the wealth management page is mainly divided into two sections, "fixed-income products" and "structured products".
The fixed-income product page has two types of products: 7 days and 45 days. After selecting a product, you can clearly see the remaining subscription quota and various information about the product.
The structured product "SharkFin" is also displayed in the same way, and all information users can see at a glance.
In the future, we will also launch mainstream structured products such as Fixed Income Plus, Cloud Mining, and Snowball to meet more investment needs of users. We will also release more information about the product through official channels; please stay tuned.
Gate.io has always focused on user experience in product design. The team conducts in-depth research on market trends and works with industry experts to ensure our products are both competitive and easy to understand. Product transparency is also critical. We want to ensure that every function and any potential risk is clearly presented to users.
Second, education is also a core part of our strategy. In addition to regular online and offline educational events, we have established a dedicated learning center for financial products, offering various courses from basic to advanced, covering all aspects of financial products. These courses are designed by experienced professionals and help users build a solid financial knowledge foundation.
- Q: Risk has always been a pain point that users worry about. What can Gate.io share in this area?
Gate.io: Risk management has always been a core issue regarding cryptocurrency markets. To ensure that investors can invest with peace of mind, Gate.io has partnered closely with leading security firms to conduct system audits and penetration tests. This is supported by a professional team that continues to take various risk control measures that ensure the safety and stability of funds.
A multi-level and comprehensive risk control system ensures the security and reliability of asset management, all of which is to provide the absolute safety of capital accounts. All user funds are kept within the exchange, and the security of users' funds is maintained through enterprise-level cold wallet security solutions, segregated from company funds. Users can check the status of their funds at any time and always maintain control over their assets.
At Gate.io, providing investors with a safe and secure trading environment is always a top priority. This is why we have been able to establish a global service network that provides efficient and formal asset management services to users worldwide.
Income is limited, but trust is priceless
- Q: During the bear market, many users are in a pessimistic mood. What enables Gate to continue offering new products in this market?
Gate.io: Bear market, the word always sounds a little heavy. Many people say that this is a "safe haven" period, but for Gate.io, this is also an opportunity. For us, the ups and downs of the market are more like a rhythm, a melody that dances with the market and users.
Our product strength is excellent, which is what keeps us moving forward. Even in a bear market, the team constantly develops, tests, and optimizes our products. Only by continuously providing value to users can we truly survive and strive.
Our institutional services team always keenly watches the subtle changes in each market to gain an in-depth understanding of user needs. Based on this, we know that in this unpredictable market, only by truly understanding users can we find resonance with them.
Stable operation is essential for every exchange, but Gate.io wants more than just stability. We hope that in this bear market, we will provide users with more support and tools to help them find investment opportunities and realize asset appreciation. Because we know that only by establishing a long-term trust relationship with users can we really go further.
Therefore, the bear market is not terrible; it is just a state of the market. For Gate.io, no matter how the market changes, we will stand side by side with our users to meet future opportunities together.
- Q: Finally, what does Gate.io most want users to know? What are the commitments or expectations?
Gate.io: Thank you very much for this invitation. In the end, we actually hope to be a beacon for users, able to illuminate the way forward even in the rougher times. Every decision and all the progress we make is seeded in the trust and expectations of our users. Thank you to everyone who supports Gate.io. Thank you everyone.
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