Digital reality: virtual assets that generate real income
17 July 2025 18:04
Money has to work – this realization has long been accepted by the masses. All that remains is to supplement it in each case with an understanding of how to make this financial production process less risky and definitely profitable. And not too burdensome in terms of effort. To the extent possible, the researcher explores
Ukrainians have long and boldly brought their money to the bank for a deposit with guaranteed interest. Some actively invest in shares of international companies to receive dividends or buy government bonds to not only have a competitive income but also to support the Ukrainian army. All of them claim to have passive income, i.e., income that does not require constant and active participation in the process of earning it.
Virtual coins promise real income
More and more fans of passive income are looking towards cryptocurrencies. For example, you can buy a share of bitcoin, ether, or stablecoins (USDT/USDC) for $50, transfer them to a staking or landing page through crypto exchanges (Binance, Bybit), and receive an income of 4-12% per annum in currency. Such offers can be easily found online.
For general understanding, staking is when users store their coins in a virtual wallet to support the operation of a virtual database and receive a reward for it. Landing implies that the cryptocurrency owner transfers his or her funds for management or lending at an interest rate. In fact, this type of passive crypto earnings is very similar to a regular bank deposit.
There are also platforms that offer users to open cryptocurrency savings accounts similar to traditional savings accounts in order to earn money. In other words, there are plenty of opportunities to make money on cryptocurrencies without any extra effort. But you should also keep in mind the risks.
Investing is a game where you can both win and lose
High volatility is what traditionally characterizes the cryptocurrency market. And new highs or lows are nothing new. It can promise investors not only profits but also losses. This is what Nazar Fil, an associate at Prikhodko & Partners’ International Corporate and Fintech practice, reminds us of.
“You can place, say, bitcoin, ether or any other cryptocurrency on certain platforms at a certain percentage per annum, for example, even 20-30 percent. But you have to remember that this cryptocurrency itself, for example, bitcoin, can become significantly cheaper,” the expert emphasizes.
However, according to Nazar Fil, there is a way to protect yourself from price fluctuations.
“The story is very similar to a bank deposit, when funds are transferred into USDT, a cryptocurrency pegged to the dollar. That is, it is not volatile, it is simply pegged to the dollar. And when it is placed on the stock exchange at 20% per annum, this is the income that will be received. But compared to a bank deposit, it is much more profitable, given that a dollar bank deposit in Ukrainian banks has a yield of up to 3 percent,” the expert said.
In fact, according to him, cryptocurrencies make it possible to generate both purely passive income when using USDT and active income. Nazar Fil emphasizes that this combination of advantages encourages new participants.
“According to my observations, there are more and more of them. Let me remind you that a bank deposit in dollars pays only up to 3% per annum. And the same cryptocurrency exchange WhiteBIT, which has Ukrainian roots, by the way, gives 18% per annum in dollars. And such a yield is a very attractive yield. It attracts new participants,” the expert states.
Research, study, evaluate, and only then invest
Realizing a cryptocurrency dream and earning passive income is not that difficult. But when starting the journey to this dream, it is worth remembering the main rule of investing. This is what Nazar Fil, an associate at Prikhodko & Partners’ International Corporate and Fintech practice, reminds us of.
“When we talk about investing, the main rule is DYOR (Do Your Own Research), i.e. do not invest in what you do not understand. Before investing, you should definitely understand what you are investing in, say, USDT, i.e. a cryptocurrency that is pegged to the dollar, or some other cryptocurrencies. And another thing is where you invest, what kind of platform it is. Because there are a lot of SCAM platforms that make money on this. They siphon off ordinary citizens’ funds, offering, again, high returns. If there is a platform and there are no reviews or mentions of it at all, it is most likely a SCAM platform. If there are reviews about it and they are negative, then you should definitely think about it and contact a specialist to help you,” the lawyer warns.
Having an asset manager or someone who will help professionally, at least at the initial stage of investment, is very important. Nazar Fil continues.
“If you have any doubts about the reliability of a particular platform, then contact a specialist, say, a lawyer. They will give you an answer. This is even done for free. And it will protect your money. However, a person can also study everything, find out some nuances, and draw a conclusion about the reliability of a particular platform,” the expert notes.
He reminds that any research starts with Google, social networks, and online forums, where users can give suggestions and explain.
Thus, there are opportunities for passive income. The main thing is to correctly assess the existing risks.
Author: Sergey Vasilevich
