Core Insights - Bitcoin (BTC) is increasingly being utilized for passive income generation through various financial products and innovative tools, moving beyond the traditional "buy and hold" strategy [1] - The article discusses different methods for earning passive income with Bitcoin, including interest-bearing accounts, lending, structured finance, DeFi liquidity mining, and innovative financial products, each catering to different user needs and risk profiles [1] Yield Rate Analysis - **Savings Accounts**: Offer annual yields of 0.5%-3%, providing high liquidity and low risk, making them ideal for beginners [2] - **Fixed-term Investments**: Yield between 2%-8%, suitable for investors with some financial planning skills, with options for various terms like 7, 30, or 90 days [2] - **Lending**: Provides a wider yield range of 3%-12%, reflecting market demand and supply dynamics, with platforms ensuring market-based returns [2] - **Structured Products**: Offer potential returns from 5% to over 30%, linked to Bitcoin price performance, catering to different risk-return profiles [2] DeFi and Innovative Financial Products - **DeFi Earnings**: Can yield between 5%-20% or higher, but come with significant risks such as smart contract and liquidity risks, with platforms ensuring safety through project selection and audits [3] - **BGBTC Innovative Finance**: Features a dual yield model of 2%-5% base yield plus potential airdrop opportunities, making it a balanced choice for risk and return [3] Financial Product Comparison - **Savings Accounts**: 0.5%-3% yield, low entry barrier, low risk, suitable for beginners [4] - **Fixed-term Investments**: 2%-8% yield, low entry barrier, medium-low risk, for conservative investors [4] - **Lending**: 3%-12% yield, moderate entry barrier, medium risk, for advanced users [4] - **Structured Products**: 5%-30% yield, higher entry barrier, medium-high risk, for experienced investors [4] - **DeFi Earnings**: 5%-20% yield, variable entry barrier, high risk, for advanced DeFi users [4] - **BGBTC**: 2%-5% yield plus airdrop, low entry barrier, medium-low risk, suitable for all investors [4] Passive Income Generation Methods - **Savings Accounts**: Users deposit BTC into exchanges offering interest, with flexible withdrawal options [5] - **Lending**: Users lend BTC to borrowers, earning interest, similar to P2P lending [6] - **Structured Finance**: Combines BTC returns with market conditions, allowing for higher potential returns under certain conditions [7] - **DeFi Protocols**: Users convert BTC to cross-chain assets to participate in lending protocols and liquidity pools [9] BGBTC Product Features - **Automatic Yield Generation**: Users stake BTC and the system deploys multiple yield strategies automatically [10] - **Safety and Flexibility**: High security through third-party custodians and flexible liquidity post-term [10] - **Target Audience**: Suitable for long-term BTC holders seeking higher passive income and those wanting to explore DeFi without complex operations [12] Conclusion on Passive Income Strategies - Conservative and novice investors should focus on savings and fixed-term investments while exploring structured and innovative products [14] - Investors seeking yield flexibility may consider BGBTC and similar innovative products [14] - Experienced investors with higher risk tolerance can engage in DeFi lending and liquidity pools, ensuring risk management [14]