Gate Exchange Simple Earn

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name: gate-exchange-simpleearn version: "2026.3.23-1" updated: "2026-03-23" description: "Gate Simple Earn management skill. Use when the user asks about flexible or fixed-term savings products. Triggers on 'Simple Earn', 'flexible earn', 'subscribe to earn', 'redeem interest', 'top APY'."

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Gate Exchange Simple Earn Skill

General Rules

⚠️ STOP — You MUST read and strictly follow the shared runtime rules before proceeding. Do NOT select or call any tool until all rules are read. These rules have the highest priority. → Read gate-runtime-rules.md

Only call MCP tools explicitly listed in this skill. Tools not documented here must NOT be called, even if they

exist in the MCP server.

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MCP Dependencies

Required MCP Servers

| MCP Server | Status | |------------|--------| | Gate (main) | ✅ Required |

MCP Tools Used

Query Operations (Read-only)

cex_earn_change_uni_lend

cex_earn_get_uni_currency

cex_earn_get_uni_interest

cex_earn_list_earn_fixed_term_history

cex_earn_list_earn_fixed_term_lends

cex_earn_list_earn_fixed_term_products

cex_earn_list_earn_fixed_term_products_by_asset

cex_earn_list_uni_rate

cex_earn_list_user_uni_lends

Execution Operations (Write)

cex_earn_create_earn_fixed_term_lend

cex_earn_create_earn_fixed_term_pre_redeem

cex_earn_create_uni_lend

Authentication

API Key Required: Yes (see skill doc/runtime MCP deployment)

Permissions: Earn:Write

Get API Key: https://www.gate.io/myaccount/profile/api-key/manage

Installation Check

Required: Gate (main)

Install: Run installer skill for your IDE

- Cursor: gate-mcp-cursor-installer - Codex: gate-mcp-codex-installer - Claude: gate-mcp-claude-installer - OpenClaw: gate-mcp-openclaw-installer

MCP Mode

Read and strictly follow references/mcp.md, then execute this skill's Simple Earn workflow.

SKILL.md keeps routing and business constraints.

references/mcp.md is the authoritative MCP execution layer for query/action separation, confirmation gates, and post-action verification.

Trigger Conditions

Activate this skill when the user expresses any of the following intents:

Simple Earn, Uni, flexible earn, fixed earn, fixed-term, subscribe, redeem, positions, interest, top APY

Any request involving Simple Earn subscribe, redeem, position query, interest query, fixed-term product list, or fixed-term history query

Prerequisites

MCP Dependency: Requires gate-mcp to be installed.

Authentication: Position and write operations require API key authentication; rate and currency queries are public.

Disclaimer: Always append when showing APY or rates: _"This information is for reference only and does not constitute investment advice. APY may change. Please understand the product terms before subscribing."_

Supported Workflows

Flexible (Uni)

Single-currency or all positions query

Single-currency interest query

Estimated APY query

Subscribe (lend), redeem, and change min rate operations with user confirmation

Fixed-term

Product list and product list by currency

Subscribe and early redeem with user confirmation

Current total positions and single-order detail queries

History queries for subscribe, redeem, interest, and extra bonus

Available MCP Tools

Flexible (Uni)

| Tool | Auth | Description | Reference | |------|------|-------------|-----------| | cex_earn_list_uni_rate | No | Estimated APY per currency (currency enumeration; use with get_uni_currency for limits) | references/earn-uni-mcp-tools.md | | cex_earn_get_uni_currency | No | Single-currency details (min_rate for subscribe) | references/earn-uni-mcp-tools.md | | cex_earn_create_uni_lend | Yes | Create lend (subscribe) or redeem | references/earn-uni-mcp-tools.md | | cex_earn_change_uni_lend | Yes | Change min rate for lend | references/earn-uni-mcp-tools.md | | cex_earn_list_user_uni_lends | Yes | User positions (optional currency filter) | references/earn-uni-mcp-tools.md | | cex_earn_get_uni_interest | Yes | Single-currency cumulative interest | references/earn-uni-mcp-tools.md | | cex_earn_list_uni_rate | No | Estimated APY per currency (for top APY) | references/earn-uni-mcp-tools.md |

Fixed-term

| Tool | Auth | Description | Reference | |------|------|-------------|-----------| | cex_earn_list_earn_fixed_term_products | No | List all fixed-term products | references/fixed-earn-mcp-tools.md | | cex_earn_list_earn_fixed_term_products_by_asset | No | List fixed-term products by currency | references/fixed-earn-mcp-tools.md | | cex_earn_create_earn_fixed_term_lend | Yes | Create fixed-term lend (subscribe) | references/fixed-earn-mcp-tools.md | | cex_earn_create_earn_fixed_term_pre_redeem | Yes | Early redeem fixed-term order | references/fixed-earn-mcp-tools.md | | cex_earn_list_earn_fixed_term_lends | Yes | User fixed-term positions | references/fixed-earn-mcp-tools.md | | cex_earn_list_earn_fixed_term_history | Yes | Fixed-term history records | references/fixed-earn-mcp-tools.md |

Routing Rules

Flexible requests

| Case | User Intent | Signal Keywords | Action | |------|-------------|-----------------|--------| | 1 | Subscribe (lend) | "subscribe", "lend to Simple Earn" | Collect currency/amount/min_rate and confirm, then call cex_earn_create_uni_lend with type: lend. | | 2 | Redeem | "redeem", "redeem from Simple Earn" | Collect currency/amount and confirm, then call cex_earn_create_uni_lend with type: redeem. | | 3 | Single-currency position | "my USDT Simple Earn", "position for one currency" | See references/scenarios.md flexible scenario section | | 4 | All positions | "all Simple Earn positions", "total positions" | See references/scenarios.md flexible scenario section | | 5 | Single-currency interest | "interest", "USDT interest" | See references/scenarios.md flexible scenario section | | 6 | Subscribe top APY | "top APY", "one-click subscribe top APY" | Show top APY via cex_earn_list_uni_rate, ask confirmation, then call cex_earn_create_uni_lend. | | 7 | Change lend settings (e.g. min rate) | "change min_rate", "change Simple Earn settings" | Collect currency/min_rate and confirm, then call cex_earn_change_uni_lend. | | 8 | Auth failure (401/403) | MCP returns 401/403 | Do not expose keys; prompt user to configure Gate CEX API Key (earn). |

Fixed-term requests

| Case | User Intent | Signal Keywords | Action | |------|-------------|-----------------|--------| | 1 | All fixed-term products | "fixed-term products" | See references/scenarios.md fixed-term section 1 and references/fixed-earn-mcp-tools.md §1 | | 2 | Fixed-term products by currency | "USDT fixed-term products" | See references/scenarios.md fixed-term section 2 and references/fixed-earn-mcp-tools.md §2 | | 3 | Fixed-term subscribe | "subscribe 1 SOL fixed-term" | Collect currency/amount/term and confirm, then call cex_earn_create_earn_fixed_term_lend. | | 4 | Fixed-term early redeem | "redeem order 5862443199" | Collect order_id and confirm, then call cex_earn_create_earn_fixed_term_pre_redeem. | | 5 | Fixed-term total positions | "total fixed-term positions", "current total fixed-term position amount" | Call cex_earn_list_earn_fixed_term_lends with order_type: "1", page, and limit. | | 6 | Single fixed-term order detail | "order 5862443199" | Call cex_earn_list_earn_fixed_term_lends with order_type: "1" and order_id. | | 7 | Fixed-term history | "subscription records", "redeem records", "interest records" | Call cex_earn_list_earn_fixed_term_history with type, page, limit, and optional time range. | | 8 | Compliance / region restriction | region restriction questions | Return the standard compliance error message if the API rejects the request. | | 9 | Compliance check failure | compliance validation failed | Do not retry or expose internal logic; return the API error message when available. |

Execution

1. Identify user intent from the routing rules above. 2. For flexible subscribe/redeem/top APY and fixed-term subscribe/early redeem: collect required params, confirm with the user, then call the corresponding MCP tool. 3. For flexible or fixed-term read-only queries: read the matching scenario section in references/scenarios.md and follow the workflow there. 4. For auth failures: do not expose API keys or raw errors; prompt the user to configure API key / log in again. 5. If the intent is ambiguous, ask a clarifying question before routing.

Domain Knowledge

Flexible (Uni)

Subscribe (lend) means the user lends a specified amount of a currency to the Simple Earn pool.

Redeem means the user redeems a specified amount from the pool.

min_rate is the minimum acceptable hourly rate for the currency; required for lend.

Settlement windows: lend and redeem are not allowed in the two minutes before and after each whole hour (use for errors/logic only; do not surface specific clock times or timestamps to the user unless the user explicitly asks when settlement applies).

User-facing display (flexible only): In any reply based on flexible Uni MCP data, do not show time-related fields—omit timestamps, dates, time-of-day, countdowns, chart time axes, history operation times, and any API field whose purpose is *when* something occurred. Show only non-time facts (currency, amounts, balances, rates/APY, interest_status, success/failure). If a tool returns only time-series data (e.g. APY chart), summarize without timestamps (e.g. latest estimated APY only) or skip the series.

Fixed-term

Subscribe uses only products with status=2 (subscribing) and show_status=2 (visible).

Product list queries can be filtered by currency and product type.

Fixed-term positions and history should be presented using the table formats defined in references/scenarios.md and references/fixed-earn-mcp-tools.md.

Early redeem uses the fixed-term order ID and returns the redeemed principal.

Safety Rules

Always confirm currency, amount, and min_rate (for flexible lend) or currency/amount/term (for fixed-term subscribe) before calling write MCPs.

Always confirm order_id before calling fixed-term early redeem.

Do not recommend specific currencies or predict rates.

Never expose API keys, internal endpoint URLs, or raw error traces to the user.

Reject negative or zero amounts; validate that the currency is supported.

Error Handling

| Condition | Response | |-----------|----------| | Auth endpoint returns 401/403 | "Please configure your Gate CEX API Key in MCP with earn/account permission." Do not expose keys or internal details. | | Flexible subscribe/redeem or fixed-term write request fails validation | Validate inputs, confirm details, then call the corresponding write tool. | | Position or history query fails | "Unable to load positions/history. Please check your API key has earn/account read permission." | | Empty positions or no rate data | "No positions found." / "No rate data available at the moment." |

Reference Files

Flexible (Uni) MCP tools: references/earn-uni-mcp-tools.md

Fixed-term MCP tools: references/fixed-earn-mcp-tools.md

Prompt examples and routing: references/scenarios.md

MCP Dependency: Requires gate-mcp to be installed.

Authentication: Position and write operations require API key authentication; rate and currency queries are public.

Disclaimer: Always append when showing APY or rates: _"This information is for reference only and does not constitute investment advice. APY may change. Please understand the product terms before subscribing."_