Gate unveils Gate Money, one account for crypto, stocks and payments

• Gate Money puts crypto, stock trading, card payments and asset management in one account, switched on inside the Gate app.
• Gate says eligible balances such as USDT can earn up to 3.6% with no lock-up period.
• The launch leans on Gate’s license stack, including MiCA and PSD2 in Malta and a full VARA license in Dubai.

Gate announced Gate Money on Wednesday, with Dr. Han unveiling the product from the stage at TOKEN2049 Singapore at Marina Bay Sands, according to the company’s press release. The service is built around the tagline “One Gate, Everything Money” and lets users hold, receive, transfer, pay, exchange and earn on their assets from a single balance.

One account for crypto, stocks and spending

Gate says the platform supports trading across more than 5,300 digital assets and more than 12,800 stock assets. The release does not say whether those stock assets are tokenized instruments or traditional equities, a distinction that matters for custody and investor protection. On the spending side, the Gate Card handles online and offline purchases in fiat or digital assets and works with Apple Pay and Google Pay. In some countries, users also get ATM withdrawals and local QR-code payments.

Users activate Gate Money with a single click in version 8.39.0 of the Gate app, according to the company.

Yield on idle balances is the hook

The headline feature for retail users is yield. Gate says eligible balances, with USDT given as the example, can earn up to 3.6% without a lock-up period. The release does not explain how that yield is generated, and the figure is presented as a ceiling rather than a guaranteed return. Yield on stablecoin balances remains a contested area for regulators in several markets, including the United States, where the GENIUS Act bars stablecoin issuers themselves from paying interest to holders.

Licenses do the heavy lifting

Gate’s pitch rests on its regulatory footprint. The company says its entities hold a MiCA crypto-asset service provider license and a PSD2 payment institution license in Malta, a full virtual asset service provider license from VARA in Dubai, and an AUSTRAC registration as a digital currency exchange provider in Australia. It also runs local entities in markets including Japan and says it covers 81 regulated jurisdictions in total. The release adds that Gate may restrict or prohibit certain services in specific jurisdictions, so the product will not look the same everywhere.

The CCS read. Gate Money is the latest sign that large exchanges want to look like neobanks rather than trading venues. Bundling stablecoin yield, stock access and a payment card into one balance is a retention play: the more a user saves and spends inside one app, the less likely those funds are to leave. For institutions, the more important detail is the licensing map. A MiCA CASP license plus a PSD2 payment license in Malta gives Gate a passportable base in the EU, which is what turns a keynote slogan into something that can scale under supervision. The open questions are where the yield comes from and how the stock leg is structured. Both will draw regulatory scrutiny as more venues converge on the same super-app model, including OKX, which is pushing into tokenized equities alongside ICE.

Watch for Gate to publish the terms behind the 3.6% rate and to clarify which regions get stock trading versus card and QR payments. Day two runs tomorrow at Marina Bay Sands; follow all our TOKEN2049 coverage, and see our report on how ICE and OKX are seeking SEC approval for round-the-clock tokenized stock trading.