
Image: https://www.gate.com/simple-earn?asset=OWL&product_id=318&product_type_tag=1
As Gate continues to diversify its savings products, Simple Earn has recently launched a 30-day fixed-term savings program for OWL, attracting strong market interest. This offering centers on “limited time + high APY,” delivering up to 200% annualized returns over a set term and expanding choices for users seeking yield-driven allocations.
Compared to standard flexible savings, the OWL fixed-term product delivers significantly higher returns but requires stricter liquidity management.
Gate Simple Earn’s OWL fixed-term savings follows clear, standardized rules for user clarity and easy participation:
After purchase, funds enter a lock-up period. Principal and interest are settled together at maturity.
From an asset allocation perspective, high-APY fixed-term savings may not suit every user, but they offer clear value in specific scenarios:
In periods of increased market volatility, fixed-term savings provide a more predictable return path for certain users.
OWL is the native token of the Owlto Finance ecosystem, a project focused on AI-powered cross-chain interoperability protocols designed to solve asset transfer and execution efficiency across multiple blockchains.
Currently, Owlto Finance has achieved:
This foundation supports OWL’s integration into the Gate Simple Earn savings system.
Gate Simple Earn divides savings products into two main categories: flexible and fixed-term:
The OWL 30-day fixed-term savings is positioned as a yield-focused product, offering differentiated choices through its limited-time high APY structure.
Although the OWL fixed-term savings offers high annualized yields, users should note the following before participating:
Understanding the yield model rationally is essential before engaging in high-APY savings.
Overall, Gate Simple Earn’s launch of the OWL 30-day fixed-term savings stands out for its attractive yields and product design. For users willing to commit to a fixed term and pursue efficient returns, this product presents new asset allocation strategies.
In today’s market environment, carefully assessing your liquidity needs and risk tolerance remains a crucial step before participating in any savings product.





