Topic: Seeking Passive income offer with low risk (Read 540 times)

I don't see any other best way for what you want to happen than to try staking using legitimate Defi platforms if cryptocurrency is what you want to invest in. And one of the good things to do is use the Binance platform to invest in Bitcoin or any other cryptocurrency that is listed among the top coins in the market and use the staking features that Binance has.

Just shop if the coins you choose are 3 months, 6 months, or 1 year, depending on the duration stakes you want. At least in this case, while you are not moving your holdings, you are sure that there will be earnings coming into your coins via staking your assets. Or if you want, besides this, you can also try copy trading on Fairdesk, because there are other traders on this platform who will only buy you copy trading with a minimum investment, depending on the amount you want. But you can check first before you decide. It is because Fairdesk has been excellent for me thus far. https://www.fairdesk.com/copytrading

The OP is looking for an investment opportunity to get passive income safely so I doubt he  wants a job or something to earn additional profit. Your suggestion is good so don’t get me wrong. It’s just not being ask on this topic since the OP has capital that he wants to use to earn profit.

I believe the best answer here is DeFi through staking or lending. By selecting a trusted DeFi, he can guarantee a low risk passive profit through the method I mention.

You can generate passive income with DeFi, lending, staking, locking your funds etc... but you must know that all of it contains risks.
APY will obviously not be more in these type of incomes but you can expect around 5% - 8% depending on various factors.
It depends on you which one you would prefer. You will have to explore more.

I guess you wanted to say stake to earn Bitcoin and not stake Bitcoin.

You're right. Staking bears more risk than its supposed reward. I learnt this valuable lesson  from experience last year and it shocked me to the marrows. Before then, I had thought earning passively by staking was a piece of cake until two sites owned by one source I staked on shut down last year. I lost all my tokens (KCLP, and other two tokens) on it. Still suffering from that shock, I used to check coingecko back then to find out the prices of those tokens I lost until I found out that they no longer trade.

Like you many of the hodl investors face a similar dilemma, there isn't much movement happening in the crypto market and keeping all of your coins in the wallet doesn't bring any returns. We got used to passive income through saving accounts and buying bonds that we would like to have a similar product in the crypto world. One of the few options to make some returns would be to lend out our coins. It's called staking and traders who don't have enough capital are always looking for ways to leverage their positions. Or business owners are looking for a cheap loan in the crypto world. The problem is that in both cases there is risk involved and you might lose your investment. As a conservative investor I think that staking is not suitable for you, since you are looking for low risk investments. My advice would be for you to take a small amount of your crypto portfolio and start trading it yourself. This way you remain in charge and can choose exactly how much risk you want to take. You don't have to rely on someone else to make a profit and your upside potential is much larger.

There are many ways for you to get passive income in this crypto industry. One of them is by offering your skills in the service section of this forum platform at https://bitcointalk.org/index.php?board=52.0In addition to this, if you are a content creator and have a lot of followers or subscribers, that is to your advantage because there is a YouTube campaign here. Even if you are a translator, you can also take advantage of it. Trading activity is also here; you can also get a source of income if you have extensive knowledge of trading here in the crypto space, and above all, you can do staking or farming on centralized or decentralized exchanges as well.

You have waited this long for the bear run to finish and to witness the bull run and now you are going to stop trading just because the bear market is taking more time to finish than it usually does. However, its your money and its your decision, we can just express our feelings and opinions and maybe give some suggestions as well. Bull run is just around the corner and it can start at any time after or before the halving that will be approximately in April, 2024.

And, I don't think there are any other ways to earning a passive income in cryptocurrencies other than staking your coins or tokens, but you said you don't like low APYs but in reality those are the safest investment options and those coins or projects that offer very high APY are not to be trusted.

I wouldn't generalize the altcoins to be the best in ROI but there's no doubt that there have been plenty of them that really have maxed out the profits and gave ROI to many of its investors. In terms of stability, there is no doubt that Bitcoin is the top choice and it's also one of the best in ROI especially if you've bought it on the early days. I think I understand people nowadays when they don't put bitcoin as their main choice because of it having a slow growth because of its high price now. But we'll see after the halving on how many times it will grow.

The main thing that the OP should understand for himself when staking is that the higher the APY, the higher the risk of losing his money. And accordingly, the lower the APY is offered, the more stable the platform for staking. But in this case, the question arises: isn't it easier to place your available funds in a traditional bank.

If you're going to stake your funds, you also have to make sure that the coin you choose are one of the top 20 in CMC. In this way, you can minimize the risk of staking. No one can predict crypto future's price but we can still analyze the market for the possible outcome. And I believe that this is the best time to stake because the prices were to cheap and we are currently in the retracement phase.

In terms of ROI, altcoins is the best. But in terms of better risk, I will go for Bitcoin. If you're really afraid of staking altcoins, you can do Ethereum. This is the most safest altcoin to stake, and next to Bitcoin.

Judging from the title he expects income with little risk. In my opinion, staking is still in the big risk category even though you will have the opportunity to get more tokens/coins from staking, but crypto prices are very difficult to predict. A bull run is the best time to make a profit in the crypto market, but more crypto prices still cannot reach their final ATH so Ops will still have the opportunity to experience losses.
Buying Bitcoin now and saving it until the bullrun in the next few years will be better than Altcoin because you will never know what the fate of Altcoin will be in the future, everything can be unpredictable so if you hope to get the passive income you will end up losing all your money.

It's true, beginner coins will be very profitable if they increase in number, and then the price explodes, but we also have to know the risks. But it doesn't matter if the coin price is cheaper at the start and we can use our pocket money to buy it, while waiting for our luck, especially during a bearish season like now. actually staking will be very profitable during a season like this, considering that during bullish times we will have more coins to exchange

Staking cryptocurrency is not really profitable actually when staking with altcoin have bigger risk with lower price later than how much profitable earning, I don't know which one efficiency way with low risk for passive income in cryptocurrency. Although staking stable coins most most recommended but waiting for one year under 10% profitable earning.

I am looking for passive income but have higher reward than staking stable coins due trading or investing not promising consistency earn profit every time, right now less coins give excited staking reward actually with new coins first time listing in the market. Ability as soon possible take moment with staking in coins have bigger staking reward and take profit before their hype moment over and still on stable price without have loss much.

Isn't that the worst . I get that the lowest risk things are those, but we all know that they are so terrible that it could even sink a bank. Banks who bought those with the money they had in their vault, ended up spending a lot more to people who invested with them, and that resulted with the gap being a loss and banks are not managed properly, they are stretched too thin, has always been like that which means that they keep making a loss for just a few quarters and they end up bankrupting.

This is why people should definitely not do it, that will be lower than that inflation rate and you are not making an income, your money goes up, but your value goes down and you are actually making a loss if you look at it that way.

That is correct. There are numerous ways to make money passively. It's also a good idea to look for additional jobs that will allow you to earn money while you waiting from your passive income, such as virtual assistant or data entry. You may also take on physical work if you have a lot of spare time because you don't have to spend time staking your funds. So, while waiting for the bull market's momentum to develop, make the most best use of your time to maximize your revenue.

Well i don't know how possible it is to generate a passive income and that's if one even exist with trading, also, talking about risk, we just have to take and embrace the risk you're seeing, trading is not what we can just do without passing through any form of risk while doing it, though what we individually do while trading are different and so i expect the results we should all be having to be different as well, trading can generate income but i don't think there's this assurance of having a passive income with trading as some may thought.

Bitcoin is not a place for passive income that's what I would agree with. We are talking about something that is a bit more different and difficult to handle and the results are not going to be the same. I think bitcoins volatility is the greatest gift to us and we should be keeping it going that way if we can, that definitely makes it worth. I know that its not going to be simple and not going to change much in the end but that's the best we could do when we could do it. Just trade it from the ups and downs, which should result you with some income if you are good at trading, rest of the stuff you want to have is not that simple and usually leads you to get scammed.

After going through your post I could suggest of participating in bounties though most of them will be abandon you but still there is a thin chances that you may end up in a genuine bounty which could provide you a passive income. I would also suggest to provide your expertise as a service I have done that in the past I was moderator for multiple telegram groups with whom I connected through this very same forum. 

Staking your funds is actually a great idea to make a passive income without any hard work. You don’t have to do any specific work, just lock the funds for a certain period of time. Moreover due to the bear market, you won’t have any plans to sell the coins. So it’s better to stake it for a certain period of time and enjoy interest from it. Moreover there is always a chance to do freelancing stuff to earn extra money.

Like we all know, bank interest is the only thing that could end up being low risk in this regard. Bitcoin in itself is a passive income, you wait long enough and you make a profit. I think it should be important to realize that even though bitcoin prices goes up and down, the long term would be going up and that should be the most important part.

I think it should be remembered that we are talking about a profit that should be possible long enough, that should be the important case. If you could do that then you are fine and it shouldn't really change much in the end. Going higher at bitcoin price is sort of like passive income, you do nothing about it and you get more money in return of the bitcoin you bought.

The truth is that hyped shitcoins yield great results if you're lucky enough. They're providing far greater APYs' than the alleged safer coins. The issue with those is that you can suddenly be found without money because they're well-known for being extremely volatile. Personally, I don't know if I'd take such a risk. You could try with smaller amounts, perhaps, but don't expect huge returns from $100. Cyber and SEI, for instance, two newly created coins, were quite decent opportunities.

I'd also advise you to stay away from centralized exchanges for staking purposes, not only due to security and privacy reasons but also because they offer lower APYs'.

Well, if you are not ready to start taking risk in buying some bunch of shitcoins to stake for daily, weekly , or monthly APYs , then, trading remains your best choice.
I will only advice you try and educate your self more on trading, buy courses that could teach you how to read charts, make a perfect market analysis, know the right sources to depend on for breaking news relating to the market..

And also, you could diversify your trading into forex and crypto, and very importantly again is to have a good trading tools.

Though I myself don't trade all the time, but I have friends who are professional traders, by professional traders, I mean they do nothing else aside from trading, some are with family, and they are making enough money to Carter for themselves and their family, living very comfortably.
This is why I believe you can still make a good living from trading if you are doing every thing right ..

But then, if you are still interested in other means of earning, which is not bad any way..
You can look into ..
- Staking - don't stake on centralized exchanges.
- Liquidity provision on dexs like uniswap, pancakeswap and so on, but be very careful here as well to only put your money in legitimate shitcoins only .

Staking is definitely less risky than yielding DeFi tokens, so I believe staking is one of the better choices if you're looking for a safer investment option.

By the way, are you specifically seeking for something to invest in? You could also consider offering your services or taking on extra jobs to increase your funds while waiting for a bullish market.

The best options for finding passive income with low risk are outside the realm of cryptocurrencies. As cabron says:


If you want to receive a low-risk income you can buy treasury bills or government bonds from reliable countries, which will give you an interest, which we can consider passive income, but which does not actually beat inflation, so you are actually losing money.

If you want to beat inflation, the investment is going to have more risk, and the higher the potential return, the higher the risk.

You have been given some advice in the thread. What I would recommend is to buy bitcoin now and start selling partially when the price breaks the ATH of $69K and when it breaks $100K or close to it. You can make a 3 or 4X in a short time, which is not exactly passive income, which is usually understood as receiving a periodic income, monthly for example, but it is quite passive and a fairly safe bet.

Although I recommend that you never sell all your bitcoin.

If you are tired of waiting then get out of investing. if you are not mentally strong enough to trade then never put your money in a trade.
no minimal risk. actually you already know what you have to do. simply buy Bitcoins and wait for the bullish season to arrive. all you need is patience. if you are impatient then put your money in the casino to double it or lose it.

You said that this is longest bear market so I want to tell you that before this there was one of the longest bear season in 2021 and 2022 which was longer than this and that time the price was much lower that if you think about past then you will be thankful to this worth of bitcoin.

People are rushes towards trading and investment but they are not interested in other thing so I think they just know about these two and are unaware that other beneficial task are also present in cryptocurrency world.

So I will suggest that keep your bitcoin hold but also engage yourself in bounties and signatures campaign because this little amount will give you courage to continue your investment.

All safe coins offering low APYs and you should accept it if you want to stake securely but if you are looking for high return then you should mindset of high risk because those projects offering high apys didn't stay long often. staking is best option in bear market because every coins is down, when you stake, it will not only gives you passive income but also possibility of price increase. I will recommend to stake only thise coins which offering something for long term or coins used for gas fee like Eth, Atom and other Proof of stake coins. CRP. is also best option you could mine. The token price currently trading at 0.4$ and chances of reaching 1$ is high. you need utopia wallet to do this. I am not sharing because I wearing signature but infact the whole ecosystem is improving day by day so we can expect something great and also staking will give you good reward where risk is absolutely low

OP is not very good at applying some of the basics, especially in implementing financial management, so he is experiencing difficulties like now. When it comes to this long-lasting bear market, I think there will be a lot of people who are also really hoping for a bull market to come in the not too distant future. But that's what happened, we have to wait longer to see something like that.
Here, our mentality will play an important role in determining our own future. And it seems like the OP didn't prepare enough, including looking for additional income that should have been done even before the undesirable thing happened.

Things like this must be prepared from the start, lest we confuse ourselves later. Or if we really can't take it anymore, then the best step is to stop trading for a while.

This being the case, bearish market conditions should be capitalized on by good traders with a broad understanding of trading.
Bearish or bullish both can be a place to profit, by trading Futures, always provide profits when rising or falling.

Just need to see how good the understanding of technical and fundamental analysis trading science is.
But if it does not take advantage of the moment of price fluctuations, then it needs to be questioned, of course, it does not have a good understanding of trading.

This is what most people don't understand and keep sticking to staking. And people will still do it until they face the consequences. I am a victim myself. I  staked up to $360 once on a platform. That got hacked! And I was left with only $18 in the end. It was locked so I was unable to move my funds or sell it. That's one case.

The 2nd time that happened to me was a price drop. In the last bull market, I staked some tokens and it was also locked staking. I bought it for around $16 per token with $550 and the bear market started. It dropped slowly from $12 to $8 and then to $5 and the last price was $1.3. I could have sold around $12 or $8 and then buy again at $5 and the bottom at $1.3. But I was unable to do it. Why? Because the shit was locked. Guess the price now? $2.5 or something per token.

This is the scenario with passive income from staking. Keep your funds to yourself and search for opportunities. Not your key, not your coin guys. Get it straight.

I agree that the bear market has been long and that it has taken its toll on traders. More so if the traders had bills and loans to pay off and they have exited the market even if at a loss if necessary.

Remember that the earning from the market is a long term game which is not compatible with the staking one yeild farming or other stuff gets popularized on the market.

At this point I feel that getting the full potential of the all time high markets is essential in trading that is what people should strive for.

I'll quote my yesterday's response given to similar question.

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Hive was born of Steem because community didn't like Justin's takeover over Steemit. Hive is active community full of developers and bloggers. Multiple ways to earn, hundreds of dapps, feeless blockchain. I consider it much better than DeFi because what many of them are trying to achieve there, already happens here.

Well, for me, if you are a good trader, bear market condition is not an excuse, maybe you are just not trading fine, better to fix something from your trading.
Maybe you are just in a spot or always long position.

I understand your feeling, especially in a bull market where it's very easy to make money because who else not making money in a bull market?  Where everything you buy just goes up. Good 'ol days.

This is how the bear market has always been, during the bear market the best thing you can do is to be preparing yourself for the bull market and the best way to do that is to be buying Bitcoin through DCA. Since you don't want to trade, have you thought about staking as that's the only way of receiving passive income from cryptocurency that have been used by many individual and they have testify of it been profitable to some extent but it's very risky.

To get full benefits of staking, you have to buy altcoins as it's only altcoins that you can stake directly from your wallet as bitcoin doesn't have staking ability and by buying altcoins you put yourself at risk of losing all your investment therefore it's left for you to decide.

It's surprising that you have been in the crypto space for 4 years and are just joining the forum recently. We are currently in a bear market, and it started last year. Most traders are finding it difficult to make money, and I am sure you are also one of those traders. If you really want to stop stressing yourself out, then invest in bitcoin, because in the process of looking for wherever you will be making extra income, you might end up losing the amount you have left with you. What I will tell you is that just get a physical job and be doing, am sure you will be able to make money for survival from there, and the amount that you have left, just invest that amount in bitcoin and keep on holding it.

It’s rare to see a passive income from a low-risk job. However, I think with staking, probably you will make decent profits and earn rewards with this kind of low risk endeavor. But never expect that this can be reliable and sustainable in the long run. Know that the value of these rewards don’t have guarantees to keep surging in the future, as they may rise or drop in the future.

It’s true with my knowledge,because their will periodic ups and down in the market.But now the market is bear for longer below the 30k mark,this may be due to less demand for now due to the less fluctuations in the price.Secondly the traders now long holding for the next halves in 2024,So nearly huge amount of bitcoin was stacked in the wallet.My request to you is to wait till next year,as we know the next halves going to occur in 2024.No need to trade your holdings,just hold till the next halves is enough to get good profit from bitcoin.

Trading is also a waiting game, and if you think trading is not working well with you just try to hold instead of being active. Yes, this is the longest bear trend ever and your patience will be tested here and if you already know the market in the past 4 years you should have more confidence in the market and be more optimistic. Well, if you’re decided already I think bonds are more suitable for you as your profit is guaranteed and protected.

This is a good idea for OP if he is actually looking to go slow with the passive income because staking of coin is not a get rich quick program like Ponzi where you expect to cash out with 300% margin with days. OP looks to be in a haste to start earning from passive income, again it is passive and not main income so you have to be easy with it because when you stake your coin it means you have locked it up for a certain time until the time is complete, that is like keeping your fiat with a bank on a fixed duration.

You are in your first bearish phase, so it's normal to feel this way. This will be a very valuable experience later because no matter what, the bearish market will happen again, it will happen again, because this is a cycle that always goes through. Whether it's 4 or 5 years, wait until it happens again. And that's why everyone definitely has some backup plans that must be carried out during the bearish phase. There are those who focus on accumulating certain coins with DCA, and there are also those who do short term or day trades to get daily profits. Of course, each has its own risks. Nothing is zero risk.

At least this is the right step, namely by considering financial conditions so that it requires good and wise financial management. Indeed, when we are not ready for high risks, it would be better to avoid them, even though it might result in a high turn. If you want to get profits at least for the daily or short term, it seems that saving or staking is also not worth it. Passive income in crypto for short terms. It's a little hard to find.. Most often, it's just short term trading for coins too, open hype coins that are booming, so the risk isn't too big either. Because if you hype a coin, it's the same as taking a high risk.

Always remember that if you dont possess the keys then its not your assets or coins anymore and with staking which we know that passing it out for those who do validate and offering those nasty APY's but the risk

on losing those coins is really that still there.Lets say that you have been able to hit up those APy earning for long time but the value of the said coin plummets? Then you had just wasted up your long time patience or waiting for nothing. This is why staking is never been that considered to ba good and less risky kind of passive income. Yes you could really be able to earn some coins/tokens out of your staked balance but we always do know that this market is really that unpredictable and there's no way that you could really be able to know on where those value would really be shooting up.

This is why on the time that you do find yourself on having non so long kind of patience and would be preferably on sticking into those slow pace but sure profits kind of set up then this crypto
market wont really be for you. You would really be needing to wait if needed because price cant really make out some significant movement in shortest time as possible.
There's no such thing about less risk but consistent money making or profit. It cant really be just that possible.

I don't think this is the best advice for passive income. In order to stake, you need a centralized platform. And in that process, you are going to give access to your assets to those platforms. Which is not a good thing. We see many platforms like this collapsing. If that happens what will happen to his funds? This is way too risky. Now let's talk about locked staking. You will have to give access to your assets and also you can not move or do anything if things go south. Also in times when there's a huge market movement, you are unable to sell because it's locked. Maybe the profit you could make from selling and buying again will compare to nothing that you get from staking. In my opinion, staking is risky and not worth it.

There are other investments that we can do in the real world which could give us passive income. Crypto is not the only solution. Try to go out and ask people about it. Learn from them and apply it. Successful people will be able to give you the best advice. Don't look for huge profit in the short term, look for slow but steady income. In the long run, it will make a huge difference.

You know there are ways to get Bitcoin, either through gifts, working to be paid in Bitcoin, or investing your own money into Bitcoin. The Bitcoin bear market may be slow, but this is not the first Bitcoin bear market. You can go back and check the history of Bitcoin to see how long the previous bear market lasted. Either you look for a job that will pay you in Bitcoin, then you can keep holding the Bitcoin until the bull market finally comes, or you can also keep accumulating Bitcoin on a DCA strategy until the bull market. Trading Bitcoin is not profitable for every traders; sometimes before you can begin to make successful trades, you have lost a lot of money, so if you are not always profitable in trading, then you should only buy and hold.

The best you can do is hold your Bitcoin in a wallet, keep it in the wallet and do other things like work IRL. That will eliminate your impatience in waiting for this bearish period to end so that your coins remain in your wallet until the bull run arrives.

And by doing other things IRL, you can earn money to survive and buy more Bitcoin with your salary. Of course, after you calculate how much you have spent and how much money you still have left. You don't need to look for staking, investing in new projects, or participating in fraudulent programs that end in scams.

But if you want to trade, you need to learn more about trading, how to analyze market movements, when you enter and exit the market and more. You have a lot to learn and with your impatience, I'm not sure you'll be able to learn. Sorry @OP, no intention of saying that.

I would check

If you hold Bitcoin BTC and want yield -> NEXO

If you hold Ethereum ETH and want yield -> Lido Finance or Kraken

Remember that all of the above examples introduce counterparty risk.

For example, before you deposit to Nexo you should be aware of Celsius, BlockFi, and other similar companies that failed.

It's up to each other if they believe the interest rate or staking reward is worth the risk taken.

If you are about to deposit into 3rd party companies, make sure you don't deposit 100% of your funds into 1 single company at least.

Let's start from you my dear friend, reading everything you wrote, I think the problem is from you because you are not patience, you lack one and that's why you did blow up your trading account. Bear market is one of the most completlcated time to make trades because if you are not expert, you will be making losses instead of profits and as you stated. You have read several books but do you know that trading in reality is different from reading, most often than not, what you fread may not be what you will experience when trading. You ought to have practice many times with paper trading to save yourself from this disappointments.


There is nothing like passive income in crypto if we want to be honest with ourselves, nothing like that except for those Defi that promised some APY and APR annually but deep down, they are all scam, they don't have anything to reward you and the ones that may gives wouldn't be more than 5% yearly.
What I will advise you is this, buy bitcoin and hold, not a financial advise buy that's the best decision you can do to enjoy the crypto market.

People who suggest @OP to stake his coins is wrong, staking is earning small amount of coins by taking big risk since smart contract is vulnerable and the centralized site can get hacked, so the @OP would lose all of his coins.

Nothing, if you want your capital would be protected, the answer is time deposit since FDIC will give you assurance in case if the bank collapse, but there's no potential growth since fiat value will keep declining.

With your attitude and market approach, I see trading wasn't the right place for you OP. Indeed, trading needs patience as to those who haven't such an attitude, I was certainly about to fail. Your decision about leaving trading is a good option as we don't need to push ourselves into something that we know we can't do nor we are capable of doing it.

If you are looking for low-risk but can be a passive income, consider investing and holding Bitcoin. But I'm not sure if it will work in you knowing that you are impatient.

I have to agree with this. Staking is what I see that will still help you earn crypto rewards and maximize your incentives especially that we are still in a bearish market, and would be a good preparation for the upcoming bullish season. However, there are also know consequences about staking. But one can simply adjust to it especially that we are looking here for long term rewards and incentives.

I would like to suggest lending, but over the years, the popularity of those platforms who are offering an X amount of annual interest in exchange of lending your money has declined massively already.

Staking is what I'm doing right now, and for sure many here are also doing. I will not define what staking is as there's many videos on Youtube that explain what staking is. Since most of my coins can be staked (aside from Bitcoin), I'm just putting into staking platforms, and I just let it stay there, and in exchange, I'm earning coins on a monthly basis. Well, it wasn't as high, but earning tokens by doing nothing is better than just letting your coins not multiply.

Staking Ethereum would I think the lowest risk that you can do. The APY isn't as high because the risk is low, but you can assure that the amount of Ethereum that you will have will be more after a year. The only thing that you can't prevent is impermanent loss especially if the price of it goes down like what happened last year.

For you to embrace this passive income in this season, you have to change your mind set by carry out your personal research to know the most important coins to buy in this bearish season and hold for the market price to increase before you can trade. Do everything possible within your capacity to invest in Bitcoin since the price is still low in the market and it will enable you to achieve what you have not achieve in the crypto investment, because many traders has earned a lot of passive incomes from Bitcoin. Now that the green light is trying to remain stable in the crypto market for those that have been holding for long to believe that bullish season is very close to them than to exercise patience so that they will not miss it.

Normally you don’t get decent yield on staking bitcoin. In the past you got decent yield for staking stablecoins. I think maybe like 10-15% depending on how strong the bull market is.

You lend your stablecoins as margin to other traders and they pay you a large yield. Right now market is dead and you can’t make any money this way.

I would just leave it in cold storage and not risk it by lending it.

Well the less risk for defi is like using stablecoin to farm APY. You could always searched for a defi platform with highest farming rate and let your stable earned some fees from it. Also theres a chance to earn some free airdrop on top of that if you are using a relatively new platform without any tokens being used yet.

Business instruments that sound more reasonable with fair profits for both parties offer high APY and high risk,  and vice versa. There are no offers that are really what you want, if there are they usually don't last long.

You should change your way of thinking to be more rational before you fall into dangerous investment schemes that you are not aware of.

Trading is not for the passive income first of all, as far you are investing a decent amount of capital in the market, this means that trading can be taken as a complete side Business setup in which if a trader educates himself and performs well, He doesn't need to be dependent on the other skills for his livings. If you really don't have time and trying to figure out the bter financial investment opportunities, rather than trading on a timeframe you should prefer BITCOIN accumulation for the long term, or Buy Hold. In this way be a side investment you can generate decent gains on every Bull market still risk involved but it can be taken care of.

so far the thing that i've seen having low risk and yet massive return is following the IEO of certain project supported by venture capitals in which in getting whitelisted take a lot of efforts like you need to do some task here and there but the point is that, you're not risking your money to get the chance, but once you get the chance to invest which is limited, maybe for the purpose of keeping the demand there even after IEO finished then you can almost be sure that you will always have some increase in your investment, the project like these are sui and many more, though sometimes some of the project outright just airdropping like arbitrum but sometimes they also open ways for people to get the coins through investment.
so far i've see that as the most beneficial and advantageous investment nowadays unlike others, the pain point only lies in the getting whitelisted and thats it.

Despite the fact that the crypto industry is synonymous to risk, I quite agree with you and will recommend the OP explore some exchange earning product which are similar to staking. I was shuttling between OKX and Bitget at some point subscribing in their Shark Fin product which has been eventful but tbh one must have sizeable amount of assets to earn something reasonable. I also learnt another similar earning product (Snowball) was recently launched on Bitget.
It could be worth exploring cos imho HODLing alone can be boring but could be interesting when you can utilize some of these product to compound your holding.

If you have your mind set of driving passive income from any venture,  then you should be ready to face any risk that comes along with that,  this is because most of the passive income models are of high risk,  while some people will suggests staking as means of making passive income,  I will like to point out a number of risk associated with staking which are numerous in number and for the fact that you are going to lose the custody pf your asset to a third party is some thing that beat all other advantages that comes along with staking and for such fo happen we have to look in the direction of sending the tokens into the staking platform and there after making some activities to be be qualified for the rewards at the end of the day,  this formula with stakiing have lead many people to loses in the past and that is why we have to look away from such.

The thing is that,  the world passive could mean a lot of things and this could possibly push is into some wrong directions,  for the fact that seeking passive income itself breeds a lot of risk,  it is far better to just buy bitcoin and hold just by taking the old long road to achieving financial stabilities.

There's one thing that's obvious about you , OP, and that is the fact that you are simply new here. Unless you have been here for long and only just became more active.
The bear run has been on for sometime now, but we have also witnessed a few short spell bull runs in between. I don't presume you are a full time trader, else you would have noticed the few bull runs and traded to your advantage within this period. Hence the importance of joining a group where crypto signals and news is shared regularly so as to keep abreast with the market speculation and trend.

This Bitcointalk offers a source of passive income, as much as Quora, YouTube , and any other social media could offer to any of its consistent and persistent users. The more one ranks up here, is the more they develope their writing skills and at some point , writing for a signature campaign could earn you more than what a salary could afford in a month.

I hope the OP is thinking thru about this as some suggestions are quite risky.
Passive income is indeed hard to accomplish in this market, you will be more on the side of losing.
Staking is good if you found a progressive alt, but if its value is going down, you won't get profit from it.
I will prefer more on holding btc if you are financially capable. And just wait for the time when bullish season comes again.
Investing in lending platforms for me is quite risky also. As you won't know their lifespan, they can even abandon their site without a warning.

Having with those low APY's is better and less risky compared to those who do offer bigger ones which this is mostly been offered into those non-so established coins here on the market. If you do find yourself not really that too patient when it comes to this market movement in between bear and bull cycles then this market isnt for you but since you've been here on this market for 4 years then its impossible that you arent really getting used to it. Somehow i do really be able to understand the pain and the boredom when it comes to waiting game which it would really be that so normal that on the time that you do see your portfolio or earning or income isnt really that something that in fast pace or that a significant one then this is where doubts would really be starting. You would be seeking for other options even though its less risks but something profitable. It doesnt exist i should say because dealing up with this space does really signifies that you would really be needing to deal with possible long bear market season and instead on freaking out then it would be better on securing out your position
at the bottom and find and reap those profits on the time that market make out some reversals which i could say that this is only the situation.

But merely holding without yielding anything on your Bitcointalk can be really discouraging you know? Staking should be encouraged in as much as it's on a safe platform.

Anything new can come up anytime from now, we've been on this altogether but it only require more time with enough patience to get to where we are heading to, the bear season will definitely end anytime soon, we only have to be more adaptive to this current market before things start to be changing for good, bitcoin is the only currency we can always have it assurance to rise whenever it falls, all that is needed is to continue with holding for now if we can persevere without releasing yet till it's all gone.

Apart from staking, there are also different ways to generate passive income in a bear market. These include DeFi lending, yield farming on DEX/CEX, etc. However, if the OP wants a lower-risk option with capital protection, then he/she can consider this : https://www.bitget.com/earning/snowball

Passive income with bitcoin is tough, there are few places like binance and freebitco.in that end up doing something like that, but its usually not that big of a deal, and not a big return. I would say just DCA and accumulating is the only way to move forward right now. You shouldn't try to make profit during the bear market, you should minimize the loss during the bear market and if it works then it works, if it doesn't work then it doesn't work. But trying to make a profit during the bear run will lead you to riskier and riskier stuff that would not be smart, just staking for %1-2 return could be the only thing you could do at this moment, nothing else for passive income.

You can't have a low risk factor and a high yield at the same time. I can't think of anything that can suit your needs except staking, which provides you with quite decent opportunities, depending on how much you're willing to risk. Firstly, you could go for stablecoins, either algorithmic or the most known ones such as USDC, TUSD, and so on; these, however, won't yield any significant APY but are generally safe options. On the other hand, algorithmic stablecoins offer much higher yields, but there's always the risk of facing a possible depeg for a variety of reasons, like we saw with UST.

Moreover, you can opt for other pairs, except stablecoins, and achieve higher yields; however, with those, you'll face the risk of losing money due to impermanent loss, which is the possible devaluation of the coins you're staking.

Staking would be the common solution. I personally don't have any idea to recommend on how to earn passive income in cryptocurrency right now aside from staking. It's a long bear market and maybe this is the time for you to invest on your chosen token as we are nearing the bull market. The long term plans might have a much worth that small gains you can get today.

Providing service would be the safest choice to generate income but yes, it's not a passive income.

There are passive income opportunities in crypto, it is not however low risk. Since the bear market is almost over, you may even think the prices have already hit the rock to which it gonna be time to bounce.

If you are investing in the staking tokens (POS) I think is time after all their prices have already bottomed. In the next bear market in 2026 I guess it wouldn't drop to the current price anymore. Staking is a passive income, it a long wait to become sufficient however and we are not even sure how much you make with 32 ETH.

As the market has been waiting for a good time for four long years I think the time has come for you after a long wait. The market condition is much lower now compared to other times, so you can invest the amount you have saved in these four years for a long period of time if you want. Now if you can invest in the market then undoubtedly you will get some good returns from the market. I appreciate your patience as you have waited for four years and since you have enough patience you will be well ahead in seizing this opportunity. Invest in any coin and wait some more time. While waiting like this, you will see a profit of twice the amount you have invested.

BTT is definitely one that sounds supportive in this regard, because you get to make some amount of income if you get your rank up and write for a campaign here. It is a passive income for those who have it to thank for and a true source for those who may be financially incapable or conservative as you hinted.
Besides this, unless you got no choice or naysay about trading physical products or offering services with your skills, then trading altcoins using copy trading features and AI bots, might just be the solution to your inconsistent effort so far in the crypto space.

You don't like low APYs which is the safe and low-risk way of investing in this market. There's no other choice that you've got upon having this condition of earning with lesser risk. If you want to protect your money from any risk then you can visit the branch near you and ask them for their products like a time deposit. That will secure your money more if you've got this type of condition. Staking is like the counterpart of it on this market but as you've said, you don't like low APYs.

If you want passive income, I recommend staking your funds. I believe now is a fantastic moment to stake because cryptocurrency prices are too low. Staking is superior to investing since you can earn more tokens while keeping your assets. If you acquire Bitcoin or altcoins today, you can profit more when the price rises. In my perspective, we are already in a bull market. However, because we are in the retracement phase, it is not too late to buy; we only need to figure out what the potential swing point is before the price continues to rise.

This is the longest bear market I've ever witnessed, and I've been in the crypto space for about 4 years now. I've blown my trading accounts many times and have taken numerous risk management courses in preparation for the bull market. I'm tired of waiting, and I don't have the mental fortitude to keep trading, haha. This brings me to why I'm writing this...

I've been searching for an opportunity that will enable me to earn extra income to keep me afloat in anticipation of the bull run, but I've always hit a roadblock due to several reasons like low APYs, dicey processes, and high risk, etc. I'm more conservative with finances, so I would appreciate any suggestions on a passive income offer or product with low risk. Preferably, my capital would be protected, and the potential for growth would work well for me.