In 2025, cryptocurrencies continue to gain popularity not only among active traders but also among those who want to earn a stable passive income without having to constantly monitor the market. Tools such as staking and savings (crypto savings) make it possible to earn money on crypto exchanges simply by holding assets and providing them to support the blockchain or placing them in special deposits.
Passive income on a crypto exchange is becoming an attractive alternative to traditional trading, as it does not require constant analysis of charts and quick reactions to market changes. In this article, we will take a detailed look at how to earn money on a crypto exchange through staking and savings, what the advantages and risks are, and what to look for when choosing a platform.
What is staking and how does it work?
Staking is the process of locking a certain amount of cryptocurrency in a user’s account in order to support the operation of the blockchain and confirm transactions in networks based on the Proof of Stake (PoS) mechanism. In return for participating in ensuring the security and stability of the network, users receive a reward — interest on the locked funds.
The mechanics of locking cryptocurrency
When you choose staking, you essentially “freeze” some of your coins on an exchange or in a wallet so that they can perform the function of securing the network. This lock can be either fixed (for a specific period) or flexible (with the option to unlock at any time). The duration and conditions of the lock affect the amount of return.
Types of staking: fixed and flexible
- Fixed staking — you lock your cryptocurrency for a predetermined period (e.g., 30, 60, or 90 days). In return, you receive a higher percentage of income. However, the funds are not available until the end of the term.
- Flexible staking — allows you to withdraw funds at any time without losing interest, but the rate is usually lower than for fixed staking.
Examples of returns and risks
Staking returns vary depending on the cryptocurrency and exchange, but are usually in the range of 5% to 15% per annum. Despite the attractive interest rates, it is important to remember the risks: the price of the coin may change, and funds will be locked for a certain period of time. Therefore, it is important to evaluate not only the yield but also the liquidity of the asset.
Savings — cryptocurrency savings
Savings (crypto savings) is a passive income tool that allows you to earn interest on cryptocurrency deposits without having to lock funds in staking. The main difference between staking and savings is that savings are generally more flexible and allow you to withdraw funds at any time (depending on the type of deposit).
The difference between staking and savings
- Staking — most often requires locking funds for a fixed term and is associated with supporting the blockchain network
- Savings — offers a simpler storage model with the possibility of earning interest, sometimes with the option of early withdrawal.
