2025-08-30
Passive income from cryptocurrency refers to the model of continuously earning income through smart contracts, consensus mechanisms, or decentralized protocols without active operation. For example, if a user pledges 100 ETH (about 180,000 USD) to participate in PoS consensus, calculated at the current annualized rate of return of 9.2%, they can earn 9.2 ETH per year, equivalent to 16,600 USD. This model is achieving safe and efficient income management through technological innovation and regulatory adaptation in compliance platforms such as HashKey Exchange .
The PoS consensus mechanism determines the bookkeeping right through "holding quantity + holding time". Users can participate in cyber security maintenance and receive rewards by staking tokens. Users can obtain stETH by staking ETH, which can be reused in DeFi protocols (such as depositing into the Aave lending platform), forming a closed loop of "staking → lending → reinvesting".
DeFi platforms such as Compound and Aave realize fund pool lending through smart contracts, and users can automatically earn interest by depositing assets. Taking Aave's USDC lending as an example:
The agreement adopts an over-collateral mechanism, which automatically positions squaring when the value of the collateral is lower than the settlement line to ensure the safety of funds.
AMM platforms such as Uniswap provide liquidity for transactions through the "constant product formula (x * y = k) ". After users deposit assets to form a liquidity pool, they can receive a share of transaction fees and platform token rewards. For example, in Uniswap's ETH/USDC pool, providing $100,000 liquidity, the daily fee income is about $50, and when combined with UNI token rewards, the annualized return can reach 20%.
HashKey Exchange and other compliance platforms provide stablecoin current financial management, with an annualized USDC yield of 5% (10% for new users). Its fund pool automatically matches borrowing and lending needs through smart contracts, with daily settlement of earnings and support for fiat currency withdrawals. The platform uses cold wallets to store 98% of user assets and cooperates with Aon Insurance to reduce systemic risks.
By using the ERC-4907 standard to separate ownership and usage rights, users can pledge blue-chip NFTs such as BAYC to the agreement and rent them out to gaming or metaverse scenarios. For example, Decentraland virtual land NFTs are rented out by the hour, with rent settled in stablecoins and an annualized return rate of 8-15%. The platform introduces oracles to obtain real-time NFT floor prices and dynamically adjust pledge weights to maintain liquidity.
Using cross-chain bridges (such as Across Protocol) for stablecoin arbitrage between different chains. For example, the USDC spread between Arbitrum and Optimism is usually 0.5% -1%, and combined with official subsidies, the annualized return can reach more than 30%. This strategy is automatically executed through smart contracts, reducing the risk of manual operation.
HashKey Exchange collaborated with OKLink to deploy the Onchain AML platform, which identifies associated wallets through address clustering analysis and detects abnormal transactions using Machine Learning models. For example, when an address collects more than 50% of tokens in a short period of time, the system automatically marks it as high risk.
DeFi protocols need to pass formal verification by organizations such as CertificK to detect vulnerabilities such as reentry attacks and integer overflows. For example, a lending protocol caused 2 million US dollar asset losses due to unaudited approve functions, and then compressed the risk to within 0.2% through dynamic clearing mechanisms.
Hong Kong's Virtual Asset Service Providers Ordinance requires platforms to:
The essence of cryptocurrency passive income is the combination of technological innovation and financial efficiency. HashKey Exchange improves the compliance of passive income products to over 98% through smart contract auditing, on-chain Anti Money Laundering, and cross-chain aggregation technology, while retaining the inclusive characteristics of blockchain and meeting the regulatory requirements of the Hong Kong Securities Supervision Commission. In the Web3.0 era, understanding the technical logic and compliance path of passive income is the key to building a sustainable digital asset income system.