Don’t let crypto assets “lie dead” anymore: 6 low-risk DeFi tools to help you earn tens of thousands of dollars a month in passive income

Are you still letting your USDT, USDC, and ETH "lying dead" in the same place? In this era of increasingly mature on-chain income systems, smart money has long stopped sticking to ups and downs, and has turned to risk-free passive income of 30-50% annualized. You don't need to speculate on meme coins or do short-term transactions. The following 6 low-risk DeFi protocols will keep your funds unchanged and your income will continue

Don’t let crypto assets “lie dead” anymore: 6 low-risk DeFi tools to help you earn tens of thousands of dollars a month in passive income

✅ 1. Don’t let your crypto assets sleep

Most people hold stablecoins or altcoins waiting for a pullback, but ignore:

Capital Stagnation = Capital Depreciation

Especially in high inflation or volatile markets, holding short positions in cash is actually losing money.

Here are 6 practical tools that are safe and high-yield:

🛠 2. Pendle (@pendle_fi)

Keywords: Income tokenization | tradable future income

  • Deposit USDC into the yield pool and earn 10-12% annualized yield

  • Support Ethereum and Arbitrum chains

  • No lock-up, withdraw at any time

✅ Suitable for low-threshold deployment by stablecoin holders

Don’t let crypto assets “lie dead” anymore: 6 low-risk DeFi tools to help you earn tens of thousands of dollars a month in passive income

🛠 3. Uniswap V3 (@Uniswap)

Keywords: LP stablecoin pool | handling fee income

  • Provide liquidity for stablecoin pairs such as USDC/DAI

  • The income comes from real trading volume, without inflation subsidy

  • Annualized 10-15% stable return

✅ One of the best ways to earn stable assets

Don’t let crypto assets “lie dead” anymore: 6 low-risk DeFi tools to help you earn tens of thousands of dollars a month in passive income

🛠 4. Superlend (@SuperlendHQ)

Keywords: Cross-chain yield aggregator | One-click optimization of interest rates

  • Automatically search for the highest USDC/USDT interest rate on multiple chains

  • The actual annualized rate can reach 18-50%

  • Users only need to operate in one Dashboard

✅ One-stop interest rate optimal path tool

Don’t let crypto assets “lie dead” anymore: 6 low-risk DeFi tools to help you earn tens of thousands of dollars a month in passive income

🛠 5. EtherFi (@ether_fi)

Keywords: decentralized Ethereum staking | holding coins without giving up rights

  • Stake ETH to earn about 7% of the original yield

  • Completely non-custodial, users retain control of private keys

  • You can use USDC to buy ETH for staking and earn two-way benefits

✅ Suitable for conservatives who are bullish on ETH in the long term

Don’t let crypto assets “lie dead” anymore: 6 low-risk DeFi tools to help you earn tens of thousands of dollars a month in passive income

🛠 6. Camelot DEX (@CamelotDEX)

Keywords: Arbitrum native DEX | High activity and low risk

  • Provide stable pool liquidity such as USDC/USDT

  • Income comes from transaction fees and platform rewards

  • Annualized rate is about 7-10%, with very low risk

✅ Suitable for strategy users deployed in the Arbitrum ecosystem

Don’t let crypto assets “lie dead” anymore: 6 low-risk DeFi tools to help you earn tens of thousands of dollars a month in passive income

🛠 7. Euler Finance (@eulerfinance)

Keywords: Institutional-level lending agreement | Risk isolation architecture

  • Ethereum Mainnet Lending Platform

  • USDC lending rate is 6.5-7.8% per annum, fluctuating due to usage rate

  • Fully audited, modular, and highly composable

✅ High-quality DeFi tools with high security priority

Don’t let crypto assets “lie dead” anymore: 6 low-risk DeFi tools to help you earn tens of thousands of dollars a month in passive income

🔄 8. Stablecoins are not “sideline funds”

You think that "holding money and waiting" is a defensive measure, but in fact, in the face of inflation and time, it is a chronic loss.

Compared with cryptocurrency speculation and frequent transactions, these DeFi protocols:

  • Stable income

  • Risks are manageable

  • No need to watch the market

  • Compounding growth

🔁 9. Advanced Strategy: Ethereum’s “Matryoshka” Profit Chain

If you are a heavy ETH holder, you can do this:

  1. Stake ETH to earn 7%

  2. Mortgage ETH to borrow USDC

  3. Deploy USDC to high-yield pools such as Pendle

  4. Obtain two-way passive income + ETH increase income

If ETH rises, you make money; if ETH fluctuates, you also have stable returns; if ETH falls, you still have time to stop loss.

This is the compounding power of on-chain capital efficiency.

Conclusion: Allowing capital to flow is the beginning of ordinary people’s wealth reversal

Don’t think that “stablecoins are just safe-haven tools” anymore - in the DeFi world, they are productivity and enablers of passive income.

You don’t have to be a trading genius or chase the next 100x coin. Just use these tools and deploy your assets:

  • Turning Stablecoins into Cash Cows

  • Make ETH a "double-yield store of value"

  • Let assets work for you in any market

You don't move, but your money does. True freedom is a passive system that keeps generating income.

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Author: BTC_Chopsticks

This article represents the views of PANews columnist and does not represent PANews' position or legal liability.

The article and opinions do not constitute investment advice

Image source: BTC_Chopsticks. Please contact the author for removal if there is infringement.

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