Gate's new all-in-one app, Gate Money, is poised to become a significant trend in the cryptocurrency consumer market over the next year, as the platform shifts its focus beyond traditional trading functionalities.
Gate Money combines various financial services into one platform, enhancing user experience.
By Olivier Acuna|Edited by Jamie CrawleyOct 7, 2026, 11:13 a.m. EDT
Gate is joining the movement among cryptocurrency exchanges to create comprehensive financial applications, a trend already embraced by competitors like Coinbase, Binance, Bybit, and Robinhood.
- The Gate Money app allows users to manage and convert cash, cryptocurrencies, stocks, gold, and more from a single account, facilitating spending through a card.
- Founder Lin Han indicated that the app targets mainstream consumers, especially in Asia, though details on pricing and execution for asset conversions during market downtimes remain unclear.
According to Lin Han, Gate's CEO and founder, the future of crypto companies lies in becoming "everything" exchanges, with all-in-one financial applications expected to lead consumer trends in the coming year.
With its base in the Cayman Islands, Gate boasts a trading volume of $2 billion over 24 hours and serves over 60 million users. The exchange is entering a competitive landscape where trading accounts are evolving into broader consumer finance tools. Competitors like Coinbase have branched into investment and banking services, while Bybit is developing a European super app.
Han emphasized that the goal is to make cryptocurrency a feature of everyday money management rather than an activity limited to traders. The Gate Money app enables users to hold and convert various assets seamlessly and to spend directly from these holdings.
“We want to reach a broader audience beyond just professional traders,” Han stated. He believes that attracting non-crypto users offers significant growth potential for the company.
Moreover, Han mentioned that users would be able to convert their assets at any time, even outside regular stock market hours, but did not clarify how these conversions would be priced or executed during such times.
One of Gate's most ambitious features is enabling users to spend assets directly without needing to hold cash. “You can buy a cup of coffee with Nvidia stock,” Han claimed, highlighting a unique offering that is currently unavailable on any other app.
He noted that the Asian market is particularly promising for this service, as many individuals seek access to U.S. stocks but face limitations with international brokers.
Han views competitors such as Revolut, Cash App, and Wise as more immediate threats than traditional banks, alongside other exchanges pursuing similar innovations. He argues that crypto firms are now equipped with the necessary technology, licensing, and banking relationships to provide services that were once exclusive to banks and brokers.