Gate.io Blog Gate.io Lend & Earn: Earn Interest Worry-Free

Gate.io Lend & Earn: Earn Interest Worry-Free

29 November 15:30

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![](https://gimg2.gateimg.com/image/article/17012419641.jpg)

[Gate.io Lend & Earn](https://www.gate.io/lend-earn/?ch=GM_blog_lendearn_20231129&utm_campaign=TR_YTQiAxG5&utm_content=&utm_medium=ptr&utm_source=CH_sApqy83F&utm_term= "Gate.io Lend & Earn") cleverly matches idle funds with borrowing needs, dynamically determines annualized returns each hour, and settles interest in real-time, providing users with desirable financial opportunities. Lend & Earn interest rates are not manually determined by Gate.io but from the demand and fees from borrowers.

This innovative product is similar to P2P lending services, but interest is calculated hourly. Users who subscribe to Lend & Earn have more flexible fund use due to the hourly interest calculation and on-demand deposit and withdrawal. Borrowers can borrow at lower interest rates, and the hourly repayment method makes the entire process more convenient and efficient. [Lend & Earn's](https://www.gate.io/lend-earn/?ch=GM_blog_lendearn_20231129&utm_campaign=TR_YTQiAxG5&utm_content=&utm_medium=ptr&utm_source=CH_sApqy83F&utm_term= "Lend & Earn's") unique model provides users with a broader range of financial choices and expands the possibility of financial appreciation.

## Smart Mechanisms of Lend & Earn
The system intelligently matches real-world borrowing demand based on the "minimum lending rate" set by the user to ensure a higher lending success rate. The "minimum lending rate" is the lowest interest level the user is content with. Even if the user is unsure how to set it up, the system provides intuitive reminders to ensure the user can make informed decisions.

The simplest way to operate is to set the "expected next hourly interest rate" to lend assets immediately in the next hour. However, suppose the user wishes to wait to lend at a higher rate. In that case, they can also set a higher interest rate than expected, although this may make lending more difficult and take more time to match with a borrower.

![](https://gimg2.gateimg.com/image/article/17012420352.png)

## How to generate revenue
The appreciation of user investment comes from both interest and fees paid by the borrowers. For experienced traders, using leverage can amplify positioning, increase profits, and achieve more significant returns under certain conditions. Considering the short-term volatility of crypto markets, some investors are willing to pay higher interest rates for short-term loans to seek faster returns.

It is worth noting that even if the market fluctuates, lending users do not need to worry too much about losing the currency standard. We have established an instant clearing mechanism. When the assets users hold fall too low in value, the system will require mandatory repayment to ensure that the principal can be repaid quickly. This provides additional protection and confidence for users' investments.

## How to set lending rates
In the Lend & Earn interface, users can view key information such as the last annualized interest rate, the expected next annualized interest rate, market depth, and the 24-hour total borrowing amount of each digital currency. The total borrowing amount is a tool for users to judge demand. A high borrowing amount directly reflects the popularity of assets and the relative market demand, which can serve as an important basis for users' decision-making.

The most critical step is to set the minimum lending interest based on the "next annualized interest rate" estimated by the system. During this process, users need to closely monitor changes in interest rates, as the following three situations may occur:

![](https://gimg2.gateimg.com/image/article/17012420703.png)
![](https://gimg2.gateimg.com/image/article/17012420824.png)

## How to use Lend & Earn
Users can access [Lend & Earn](https://www.gate.io/lend-earn/?ch=GM_blog_lendearn_20231129&utm_campaign=TR_YTQiAxG5&utm_content=&utm_medium=ptr&utm_source=CH_sApqy83F&utm_term= "Lend & Earn") from the Finance tab on the Gate.io homepage. On the Lend & Earn page, users can choose the type of digital currency to lend according to their needs and set the minimum lending rate. The system will convert the rate into an annualized rate and provide users with all necessary lending information. After a successful loan, users can monitor the situation in real-time through the "My Assets" interface and redeem their lent assets anytime.

### 1. Enter Lend & Earn
Select the "Finance" tab and then "Lend & Earn" to enter the page. The page's sorting preset is based on the total amount of loans made in 24 hours. In addition, you can click on the symbol next to the text to view the annualized interest rate from high to low.

![](https://gimg2.gateimg.com/image/article/17012421235.png)

### 2. Select the lending currency
When browsing the drop-down menu, you can select the type of digital currency you want to lend. Taking 0.1 ETH as an example, users need to enter the expected minimum lending rate in the "hour" field, and the system will immediately convert it into an annualized rate, providing comprehensive lending information.

For example, if an hourly interest rate of 0.01% is entered, the system will convert it into an annualized interest rate equivalent to 0.88%. This means that 0.1 ETH will be lent at this rate. This technical lending model gives users more accurate and real-time interest rate calculations, injecting higher flexibility into digital currency transactions.

![](https://gimg2.gateimg.com/image/article/17012422016.png)
![](https://gimg2.gateimg.com/image/article/17012422137.png)

Afterwards, users will be asked to enter the fund password. Once confirmed, the system will quickly respond and present the successful lending information. This security authentication measure strengthens the controllability of fund operations while ensuring the confidentiality of user information and financial transactions.

### 3. Check lending status and redeem
After successful lending, users can easily monitor the asset status and quickly view relevant information such as the current lending quantity, accumulated interest, and expected annualized return through the "My Assets" interface.

To conveniently access assets, select the "Redeem" button and enter the corresponding quantity; the system will quickly process and confirm it to the user through a successful redemption notification. For assets that have not yet been lent, they can be directly retrieved, while for assets that have been lent, they will be returned at the next hour.

![](https://gimg2.gateimg.com/image/article/17012422498.png)

### 4. Enable Auto-Earn function
Gate.io has successfully launched Auto-Earn, an automated earning feature that provides users with a convenient and efficient asset appreciation tool. Once enabled, idle funds in a user's spot account will be automatically lent out to achieve the optimal use of funds. The successfully lent assets will generate income from interest within the next hour.

It should be emphasized that if users want to redeem their assets and accumulated interest, they can go to the "My Lending" page of the Lend & Earn platform for manual operation. Currently, the Auto-Earn feature is only supported in the Classic mode of spot accounts. Cross Margin mode does not currently support this function, but we intend to launch support as soon as possible. Please stay tuned for more convenient and intuitive trading experiences.

![](https://gimg2.gateimg.com/image/article/17012422679.png)
![](https://gimg2.gateimg.com/image/article/170124228310.png)

## Our commitment to user asset safety and security
Recently, funds allocated by users on Lend & Earn exceeded $465 million in value. With such large sums of user capital committed, we take the utmost precautions and implement strict measures to ensure these funds are stored securely and in good faith. Just like regular user deposits on Gate.io, all wealth management funds, including [Lend & Earn](https://www.gate.io/lend-earn/?ch=GM_blog_lendearn_20231129&utm_campaign=TR_YTQiAxG5&utm_content=&utm_medium=ptr&utm_source=CH_sApqy83F&utm_term= "Lend & Earn"), are stored on the platform and will never be used for other purposes.

Further, we recently upgraded our [100% Proof of Reserves](https://www.gate.io/proof-of-reserves "100% Proof of Reserves") process, with greater asset coverage and more frequent reporting using zero-knowledge tech. This ensures users can securely verify their assets are held in reserves and ready for withdrawal at any time. Our secure reserve wallets contain over 100% of user deposits, with a $400M USDT surplus.

**Risk Warning: **This article does not constitute investment advice. Every investment has risks. Please carefully assess your risk tolerance.

Author: Global Marketing Aaron
This article represents only the views of the researcher and does not constitute any investment suggestions.
Gate.io reserves all rights to this article. Reposting of the article will be permitted provided Gate.io is referenced. In all cases, legal action will be taken due to copyright infringement.

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