Exchange (holds your funds for you)
GateB3/5· Medium risk
Facts last reviewed 24 Sept 2026
Operating since 2013 (formerly Bter), holds MiCA (Malta), VARA (Dubai), registrations in Japan and Australia, and licences in multiple US states. Proof of reserves was irregular in the first half of 2026; compensation for the 2015 and 2018 hacks could not be verified.
Compare a move (switching cost) →History: published and paid rates, incidents, legal status →Official site ↗
Why this tier
- Falls short: Proof of reserves exists but is not published every month
- Meets: Licensed by a major regulator: EU (Malta, MFSA), Dubai (VARA), US (states)
- Meets: Operating since 2013 (13 years)
- Meets: User protection fund: Gate SAFU / user protection fund (~$200M)
- Falls short: Users have suffered losses before: Bter (Gate's predecessor) had 7,170 BTC hacked from a cold wallet (2015-02); Supply-chain attack via StatCounter targeting BTC withdrawals (2018-11)
- Note: CoinDesk Data Exchange Benchmark (2026-05): grade A, score 81.42, ranked 9. For reference only, not part of the risk tier.
Tier history
- 29 Sept 2026B· Medium riskMedium risk
Products
| Coin | You earn | Highest rate | Tier | Product | Term | Conditions |
|---|---|---|---|---|---|---|
| USDT | 3.68% | Highest rate3.68% | B2/5· Medium risk | On-chain Earn · Powered by Spark | Staking | |
| USDT | 3.50% | Highest rate3.50% | B2/5· Medium risk | On-chain Earn · AAVE-Plasma | Staking | |
| USDT | 3.40% | Highest rate3.40% | B2/5· Medium risk | On-chain Earn · DeFi Spark | Staking | |
| USDT | 3.29% | Highest rate3.29% | B2/5· Medium risk | On-chain Earn · AAVE V3 | Staking | |
| USDT | 3.20% | Highest rate3.20% | B2/5· Medium risk | Fixed Term 30d | 30 days | |
| USDT | 2.80% | Highest rate2.80% | B2/5· Medium risk | Fixed Term 14d | 14 days | |
| USDT | 2.36% | Highest rate2.36% | B2/5· Medium risk | Simple Earn Flexible | FlexibleWithdraw any time | |
| USDT | 2.26% | Highest rate2.26% | B2/5· Medium risk | On-chain Earn · Morpho | Staking | |
| USDT | 2.21% | Highest rate2.21% | B2/5· Medium risk | On-chain Earn · Compound V3 | Staking | |
| USDC | 6.78% | Highest rate6.78% | B3/5· Medium risk | On-chain Earn · AAVE V3 | Staking | |
| USDC | 6.76% | Highest rate6.76% | B3/5· Medium risk | On-chain Earn · institutional_compound.v3 | Staking | Limited-time promo |
| USDC | 3.99% | Highest rate3.99% | B3/5· Medium risk | On-chain Earn · AAVE V3(ARB) | Staking | |
| USDC | 3.73% | Highest rate3.73% | B3/5· Medium risk | On-chain Earn · Spark | Staking | |
| USDC | 3.03% | Highest rate3.03% | B3/5· Medium risk | On-chain Earn · Compound V3 | Staking | |
| USDC | 2.35% | Highest rate2.35% | B3/5· Medium risk | Simple Earn Flexible | FlexibleWithdraw any time | |
| USD1 | 7.64% | Highest rate7.64% | B2/5· Medium risk | On-chain Earn · Dolomite | Staking | |
| USD1 | 0.10% | Highest rate0.10% | B2/5· Medium risk | Simple Earn Flexible | FlexibleWithdraw any time | |
| FDUSD | 0.10% | Highest rate0.10% | B3/5· Medium risk | Simple Earn Flexible | FlexibleWithdraw any time | |
| USDE | 4.78% | Highest rate4.78% | B2/5· Medium risk | On-chain Earn · Ethena | Staking | |
| USDE | 4.75% | Highest rate4.75% | B2/5· Medium risk | Simple Earn Flexible | FlexibleWithdraw any time | |
| BTC | 0.17% | Highest rate0.17% | B3/5· Medium risk | Staking · GTBTC | Staking | Limited-time promo |
| BTC | 0.10% | Highest rate0.10% | B3/5· Medium risk | Simple Earn Flexible | FlexibleWithdraw any time | |
| BTC | 0.09% | Highest rate0.09% | B3/5· Medium risk | Fixed Term 30d | 30 days | |
| BTC | 0.08% | Highest rate0.08% | B3/5· Medium risk | Fixed Term 14d | 14 days | |
| BTC | 0.06% | Highest rate0.06% | B3/5· Medium risk | Fixed Term 7d | 7 days | |
| ETH | 2.30% | Highest rate2.30% | B3/5· Medium risk | Staking · Ethereum | Staking | Limited-time promo |
| ETH | 1.83% | Highest rate1.83% | B3/5· Medium risk | Simple Earn Flexible | FlexibleWithdraw any time | |
| ETH | 1.82% | Highest rate1.82% | B3/5· Medium risk | Fixed Term 7d | 7 days | |
| ETH | 1.82% | Highest rate1.82% | B3/5· Medium risk | Fixed Term 14d | 14 days | |
| ETH | 1.82% | Highest rate1.82% | B3/5· Medium risk | Fixed Term 30d | 30 days | |
| BNB | 0.21% | Highest rate0.21% | B3/5· Medium risk | Simple Earn Flexible | FlexibleWithdraw any time | |
| SOL | 3.20% | Highest rate3.20% | B3/5· Medium risk | Staking · Solana | Staking | Limited-time promo |
| SOL | 1.80% | Highest rate1.80% | B3/5· Medium risk | Fixed Term 14d | 14 days | |
| SOL | 1.80% | Highest rate1.80% | B3/5· Medium risk | Fixed Term 30d | 30 days | |
| SOL | 1.75% | Highest rate1.75% | B3/5· Medium risk | Fixed Term 7d | 7 days | |
| SOL | 1.74% | Highest rate1.74% | B3/5· Medium risk | Simple Earn Flexible | FlexibleWithdraw any time | |
| XRP | 0.42% | Highest rate0.42% | B2/4· Medium risk | Simple Earn Flexible | FlexibleWithdraw any time | |
| XRP | 0.17% | Highest rate0.17% | B2/4· Medium risk | Fixed Term 7d | 7 days | |
| XRP | 0.13% | Highest rate0.13% | B2/4· Medium risk | Fixed Term 14d | 14 days | |
| XRP | 0.12% | Highest rate0.12% | B2/4· Medium risk | Fixed Term 30d | 30 days | |
| XRP | 0.04% | Highest rate0.04% | B2/4· Medium risk | Staking · GTXRP | Staking | |
| TRX | 3.18% | Highest rate3.18% | B3/5· Medium risk | On-chain Earn · TRON | Staking | |
| TRX | 2.49% | Highest rate2.49% | B3/5· Medium risk | Simple Earn Flexible | FlexibleWithdraw any time | |
| TRX | 1.49% | Highest rate1.49% | B3/5· Medium risk | Fixed Term 14d | 14 days | |
| TRX | 1.40% | Highest rate1.40% | B3/5· Medium risk | Fixed Term 30d | 30 days | |
| TRX | 1.38% | Highest rate1.38% | B3/5· Medium risk | Fixed Term 7d | 7 days | |
| DOGE | 0.10% | Highest rate0.10% | B3/5· Medium risk | Simple Earn Flexible | FlexibleWithdraw any time | |
| DOGE | 0.05% | Highest rate0.05% | B3/5· Medium risk | Fixed Term 30d | 30 days | |
| DOGE | 0.04% | Highest rate0.04% | B3/5· Medium risk | Fixed Term 7d | 7 days | |
| DOGE | 0.04% | Highest rate0.04% | B3/5· Medium risk | Fixed Term 14d | 14 days | |
| DOGE | 0.04% | Highest rate0.04% | B3/5· Medium risk | Staking · GTDOGE | Staking |
USDT
USDC
BTC
ETH
BNB
SOL
XRP
TRX
DOGETier: A lowest risk, D active incident. The number after the letter is the criteria met.
Legal status by country
Taken from regulators’ registers and notices. A row without a source or a month confirmed says so.
Vietnam
Does not serve · Sept 2026
Gate.com's user terms (section 2.5) list Vietnam as a restricted region.
Source ↗Europe (EEA)
Licensed · Gate Technology Limited · Sept 2026
On ESMA's CASP register (24/9/2026 version): Gate Technology Limited, MiCA licence granted by Malta's MFSA on 29/9/2025; EEA customers use gate.com/en-eu, and global Gate.com blocks EU customers.
Source ↗UAE (Dubai)
Licensed · Gate Technology FZE · Sept 2026
Gate Dubai (Gate Technology FZE) has held a VARA VASP licence for Exchange Services since 25/4/2025; global Gate.com lists the UAE as a restricted region.
Source ↗Indonesia
Banned · Jun 2026
Gate (Gate Global Corp. / Gate Technology Inc.) ranks 9th on the list of 228 unlicensed exchanges shut down by OJK's Satgas PASTI (1-5/2026, announced 22/6/2026); Gate.com's user terms also list Indonesia as a restricted region.
Source ↗Nigeria
Not licensed · Sept 2026
Gate is not registered with Nigeria's SEC; Gate.com's terms do not list Nigeria as a restricted region.
Source ↗