7 ways to earn 5–17% APY on crypto without active trading. All with India tax guidance. You don't need to time the market — just put your crypto to work.
#1 Stablecoin lending on Aave: 7.8% APY, lowest risk. Just deposit USDC. #2 ETH liquid staking (Lido stETH): 4.2% APY, very low risk. Same ETH exposure with yield.
#3 SOL liquid staking (JitoSOL): 7.8% APY + usable as DeFi collateral. #4 High-yield altcoin staking: DOT (14%), ATOM (16%), INJ (14%). Higher yield = longer lock period.
#5 USDC/USDT liquidity pool (Orca/Curve): 5–8% APY, near-zero impermanent loss. #6 Pendle fixed yield: lock in 9.5% fixed on USDC for 6 months. #7 Volatile LP (SOL/USDC): 20–40% APY with IL risk.
Passive crypto income (staking, lending) is taxed at SLAB RATE — not the 30% crypto profit tax. Earning ₹70K in staking rewards is taxed at your bracket (5/20/30%), not 30% flat. Track every reward date and INR value.
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