Gate Exchange Simple Earn

Gate Simple Earn management skill. Use when the user asks about flexible or fixed-term savings products. Triggers on 'Simple Earn', 'flexible earn', 'subscri...

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