Gate.io vs Morpho

Across the 5 assets both pay yield on, Morpho pays more on 4 of them. Gate.io is a custodial CeFi platform; Morpho is non-custodial DeFi. All yields below are live.

Updated 27 Sep 2026, 03:00 UTC

Gate.io

CeFi · risk B

4.00%

best of 21 live yields

Custodial

Morpho

DeFi · risk A

5.50%

best of 131 live yields

Non-custodial

Head to head

Best live APY

4.00%

5.50%best

Live assets

Breadth of assets they pay yield on

21best

Live yields

131best

Custody model

DeFi = non-custodial, on-chain; CeFi = a custodial earn account

CeFi

DeFi

Best risk grade

Same asset, best live APY on each

AssetGate.ioMorpho

Which should you earn on?

Earn on Gate.io

Broader selection (21 assets vs 16).
A custodial earn account: simplest to use if you would rather not manage a wallet.

Earn on Morpho

Pays more on 4 of the 5 shared assets, up to 5.50%.
Non-custodial: you keep control of your assets on-chain, vs Gate.io's custodial account.
Better risk grade (A vs B).
Deeper liquidity ($5.4B TVL vs ).

More head-to-heads

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