#softstsking **Topic: Earning Interest on Holdings - The Secret to Higher Passive Income than Banks**

Hello everyone, today I want to talk to you about the topic of earning interest on holdings. For cryptocurrency investors, earning interest on holdings has become a stable way to generate passive income, with returns even far exceeding traditional bank fixed deposit rates.

Currently, mainstream platforms for earning interest on holdings, such as Binance, OKX, etc., offer various earning options, ranging from stablecoins (like USDT, USDC) to mainstream coins (like BTC, ETH), and even some high-risk, high-return DeFi tokens. Taking stablecoin earnings as an example, the annualized return rate can typically reach 5%-10%, which is almost unimaginable in bank fixed deposit rates.

In addition, the flexibility of earning interest on holdings is also a significant advantage. Many platforms support withdrawals at any time, allowing for greater liquidity of funds, without being locked up for months or even years like bank fixed deposits.

However, it's important to remind everyone that while earning interest on holdings has high returns, it still carries risks, such as platform security and price volatility. Therefore, choosing reputable platforms, diversifying investments, and conducting proper risk assessments are very important.

In summary, earning interest on holdings is a passive income method that cannot be ignored in the cryptocurrency space. If you are still hesitating, it might be a good idea to start with small amounts of capital and gradually explore this high-yield world!