Passive income is a dream for many people; it is so-called the ability to earn without the need for continuous work "when you sleep". In traditional finance, this means, for example, interest from a bank deposit, dividends from stocks, or rental income from real estate. And in the world of cryptocurrencies, it works very similarly, as your assets can also work for you, bringing you additional profits!
Through the development of the crypto market in 2025, more and more opportunities for generating passive income are emerging. Stablecoins (such as USDC) and the largest cryptocurrency in the world, Bitcoin (BTC), are most often used for this purpose. In this guide, you will learn how to take advantage of the interesting feature of Binance Earn, which allows you to earn up to 7.5% annually on USDC in a simple and safe way.
Why are USDC and BTC a good choice to start?
USDC - Stability and predictability
USDC is a stablecoin pegged 1:1 to the US dollar. This means its value should always oscillate around 1 USD. This way, investors do not have to worry about exchange rate fluctuations; it's a great choice for those who want stable and predictable profits. However, it's worth considering that the exchange rate difference between the dollar and the zloty also changes from day to day. So if you earn and spend money in zlotys, you need to additionally monitor the current dollar exchange rate to avoid losing out on the exchange rate difference when converting to PLN.
BTC – digital gold and growth potential
Bitcoin is considered 'digital gold'. In addition to passive income from interest, it offers the possibility of additional profit due to price increases during a bull market. Keeping BTC in a savings offer allows you to combine two sources of income: interest and potential value growth. It is only important to sell your Bitcoin at the right moment unless your investment plan is aimed at a significantly longer term, e.g., holding it for the next 10 years.
Diversification – a safer strategy
By combining stable interest on USDC with exposure to the price increase of Bitcoin, the user receives a balanced investment strategy. This is a good solution for both beginners and more advanced investors.
Binance and the current offer up to 7.5% on USDC
Binance is the largest cryptocurrency exchange in the world, operating globally and also available in Poland. The platform offers various ways to earn passively - from flexible savings to staking, to more advanced financial products.
In 2025, Binance introduces special offers on USDC and BTC, allowing users to earn up to 7.5% annual interest on the stablecoin USDC. This is a huge opportunity, especially in times when bank deposits in Poland offer significantly lower interest rates, and inflation continues to reduce the real value of savings.
How to start earning passively on Binance - Step by step
1. Registration and account verification
Go to the Binance Exchange and create a free account.
Provide basic information (email, phone number).
Go through the process of KYC (Know Your Customer) - i.e., identity verification. In Poland, this involves sending a photo of your ID/passport and a selfie.
The process usually takes a few minutes and is necessary to access the full functionality of the exchange.
2. Funding the account – how to deposit funds
Deposit euro (EUR) – you can use a bank transfer (e.g., SEPA or via payment cards).
Purchase cryptocurrencies directly – in the app or on the website, you select USDC or BTC and buy them, for example, with zlotys.
Deposit zlotys (PLN) – you can deposit your funds in a few seconds using a BLIK transfer. I described the whole process
This way, you can immediately have assets that you can then allocate to any product in the Earn tab.
3. Choosing a product on Binance Earn
Go to the Earn section in the app or on the Binance website. You will find various offers there:
Savings (Flexible Savings) - you can withdraw funds at any time, but the interest rate may be slightly lower.
Locked Savings - you block funds for a specified time (e.g., 30, 60, or 90 days) in exchange for higher interest rates.
SOL Staking / Soft Staking - in the case of selected cryptocurrencies, you can lock them and earn additional rewards.
For USDC and BTC, Flexible Savings are currently available, which in the current offer provide up to 7.5% annually on USDC.
4. Subscription to the selected offer
Click on the selected offer (e.g., on 'Flexible USDC').
Choose the amount of cryptocurrency / stablecoin you want to allocate.
Confirm the subscription - your funds will be locked, and interest will start accruing.
You can also check the Auto-Subscribe option, which will automatically transfer daily interest from a given cryptocurrency to a specific product in the earn tab.
5. Monitoring profits
In the Binance app, go to the 'Earn Wallet' tab.
You will see your funds and accrued interest there.
You can decide whether you want to withdraw them after the period ends if you chose the Locked option, or immediately reinvest them to allow for the compound interest effect.
How much can you earn? – Sample calculations
USDC – stable interest with compound interest
Let's assume you invest 10,000 USDC (around 40,000 PLN) in an offer with 7.5% annually:
Interest is calculated daily and added to the balance, allowing for compound interest.
This means that every day you earn not only on the initial amount of 10,000 USDC but also on previously accrued interest.
After one year, your balance will be around 10,777 USDC – meaning the profit will be higher than the standard 750 USDC with simple interest.
Risks to keep in mind
Although passive income sounds tempting, you must remember the risks:
Exchange rate risk – in the case of BTC, its price may drop.
Platform risk – although Binance is the largest exchange, there is always technological and regulatory risk.
Legal regulations – in Poland, crypto is subject to taxation (PIT-38). Interest also needs to be settled.
The principle is simple: invest only what you can afford to lose.
Summary
The bull market of 2025 is a great time to start generating passive income in cryptocurrencies. With the Binance Earn offer, you can easily multiply your savings both in stable USDC and in the promising cryptocurrency Bitcoin.
With interest rates reaching 7.5% annually on USDC and an intuitive app, anyone, even a beginner user, can make their cryptocurrencies work for them. This is not only a way to earn extra profit but also to build a long-term financial strategy in the dynamically developing world of blockchain.
