Staking or lending, which one should you choose?

🧠 Two ways to make your crypto work for you

Got crypto sitting idle in your wallet? Instead of letting it collect dust, you can put it to work. Two options stand out: staking and lending.

Both allow you to earn passive income, but they work differently. Here's a simple comparison to help you decide 👇

🪙 Staking: support the network and earn rewards

Staking means locking your crypto to help secure a blockchain network (usually one based on Proof of Stake).

In return, you receive rewards, kind of like interest.
 The more you stake, the more you can earn 💰

Pros of staking:

✅ You help support and secure the network
✅ You often earn steady yields (3–10% depending on the crypto)
✅ It’s usually easy with a platform like Coinstancy

Cons:

❌ Your funds might be locked for a while
❌ Rewards can fluctuate with the network
❌ You need to choose the right crypto (not all are reliable)

🤝 Lending: lend your crypto to others

Crypto lending works like a traditional loan. You deposit your crypto on a platform (like Aave, Compound, or Coinstancy), and it’s lent to other users. You earn interest in return.

It’s all based on supply and demand.

Pros of lending:

✅ You can usually withdraw more easily
✅ Rates can be higher when demand spikes
✅ You're not tied to one blockchain

Cons:

❌ There’s a risk if borrowers default (even if most loans are overcollateralized)
❌ Lending platforms can face security issues
❌ Rates vary a lot depending on market conditions

🧩 Which one should you choose?

There's no one-size-fits-all answer. It depends on your goals.

• If you want a simple and secure strategy, staking is a great place to start.
• If you’re aiming for higher returns and can accept more risk, lending might be your thing.

👉 With Coinstancy, you’ll soon be able to access both solutions, backed by expert partners and a clean, easy-to-use interface. You choose, we handle the rest.