Learning the friendly way

If you’re interested in staking Ethereum, you came to the right place. The largest liquid staking protocol in the crypto ecosystem, trusted by thousands of ETH holders who want rewards without losing liquidity, has a name: Lido DAO.

Ethereum's Leading Liquid Staking Protocol

How does it work? 

Lido DAO is a decentralized autonomous organization that provides a liquid staking solution on the Ethereum 2.0 blockchain as well as other Proof of Stake (PoS) platforms like Solana (SOL), Polygon (MATIC), Polkadot (DOT), and Kusama (KSM).

Instead of locking up funds, users stake ETH and receive stETH tokens in return, which represent their staked ETH plus accrued rewards. This allows users to continue trading, lending, or using their tokens across DeFi while still benefiting from staking yields. Since launching in 2020, Lido DAO has grown to manage more than $40.33B in Total Value Locked (TVL), with staking rewards currently averaging an annual percentage rate (APR) of 2.71%. The protocol is governed by holders of the LDO token, ensuring community-driven decision-making.

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Where did it come from?

Lido DAO was co-founded by Kasper Rasmussen and Jordan Fish, also known as CryptoCobain. Behind the Lido DAO are a number of individuals and organizations that are well-regarded within the DeFi space. Since its inception in December 2020, shortly after ETH 2.0's release, the platform has been overseen by the Lido DAO, with several key members including Semantic VC, Chorus, ParaFi Capital, P2P Capital, Libertus Capital, Terra, StakeFish, Bitscale Capital, StakingFacilities, and KR1. Several of the highly esteemed angel investors include Stani Kulechov of Aave, Banteg of Yearn, Will Harborne of Deversifi, Julien Bouteloup from Stake Capital, and Kain Warwick from Synthetix.

Since then, Lido DAO has gained an impressive reputation for its liquid staking capabilities, and now boasts over $13 billion in staked assets. Its core focus is on Ethereum, yet its horizons are expanding to other blockchain networks including Terra and Solana, both of which launched staking capabilities in 2021, as well as several other layer 1 PoS blockchains.

Liquid Staking Made Simple

Lido DAO simplifies staking into a three-step process: deposit ETH, receive stETH, and start earning rewards automatically. When a user deposits ETH, the protocol delegates funds to a decentralized network of professional node operators. There are over 800 node operators worldwide, who manage validation securely and efficiently.

The stETH tokens received are liquid ERC-20 assets whose value increases over time as rewards accumulate. With one-click staking through Lido DAO’s interface, users can skip the hassle of running their own validator while enjoying a 98.2% validator performance.

How validator rewards are earned from staked assets

So, in order to stake ETH, become a validator and earn rewards for validating payments on the Ethereum platform, users are required to stake a minimum of 32 ETH tokens. What if I don’t have 32 ETH? You may ask. To bypass this minimum requirement and still earn rewards, Lido DAO allows users to stake a fraction of this amount and earn a proportionate amount of block rewards.

Users will then deposit ETH into the Lido smart contract and receive the same number of stETH. These tokens are minted once the funds have been received and are burned when the users withdraw their original ETH. The staked funds will then be distributed to the validators on the Lido network and deposited into the Ethereum Beacon Chain from where they will be secured in a smart contract.

The Lido DAO will then assign, onboard, support and enter the validators' addresses to the smart contract registry before being given a set of keys for the validation. All ETH that users have deposited on the Lido platform will be split into groups of 32 ETH among the active Lido node operators who will use this public validation key to validate transactions. The block rewards will then be shared proportionately.

Notably, this distribution process of sharing staked assets eliminates single-point-of-failure risks common among single-validator staking.

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Your Liquid Staking Asset

At the center of Lido DAO’s system is stETH, the tokenized representation of staked ETH. stETH trades on major exchanges, offering deep liquidity and integration with several DeFi protocols. Staking rewards are earned automatically, so users never need to claim manually.

Users can stake any amount of ETH to the Beacon Chain without having to deal with lock-up requirements or withdrawal delays. This way Ethereum holders can enjoy both liquidity and yield simultaneously. For providing this staked ETH service, a 10% fee is collected by Lido for each process.

DeFi Integration Opportunities

For advanced users, stETH unlocks a wide range of yield optimization strategies. Lending platforms like AAVE accept stETH as collateral, while liquidity pools on CURVE and UNISWAP offer additional yield opportunities. Leveraged staking strategies also allow users to compound rewards further.

Proven Security

Security and safety are central to Lido DAO's success. Since the beginning, the protocol has undergone a dramatic array of independent audits, conducted by top-tier firms including Statemind, Certora, Hexens, Oxorio, MixBytes, and Ackee Blockchain.

Importantly, Lido DAO has never suffered a major protocol-wide hack. The protocol takes advantage of open-source code, multisig governance, and safeguards like GateSeal for emergency pauses, deposit security modules, and DAO oversight to anticipate and mitigate emerging threats. These layers of defense, combined with a multi-validator, geographically distributed network, reduce single points of failure.

What is Lido DAO token (LDO)?

Governance of the Lido DAO is powered by the LDO token, which grants voting rights to its holders. With a market capitalization of $1.14B and an all time high (ATH) price of $2.38 USD, LDO plays a central role in shaping the protocol’s future. Token holders vote on proposals, influence fee structures, and participate in selecting node operators. The governance community is highly active, with regular proposals and ongoing discussions that ensure the protocol evolves in a decentralized and transparent way.

How to buy Lido LDO?

Staking with Lido DAO is meant to be as accessible as possible. There are no minimum deposit requirements; end users can stake any amount of ETH. You can connect an Ethereum wallet, confirm the transaction, and receive stETH instantly. 

If you're looking to expand your digital currencies portfolio, LDO tokens can be a potential addition. The Tap app provides an easy and secure way for anyone with an account to add these tokens to their portfolios in no time, making it one of the most effortless trading experiences around.

You can utilize the Tap app to access the Lido ecosystem by purchasing LDO tokens with either crypto or fiat currencies. End users can then choose to store their LDO tokens securely in the integrated crypto wallet or transfer them to the Lido platform and engage in the platform's earning potential. All you need to do to get started is download the app and create an account in minutes.

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Despite radically reshaping the world’s financial landscape, the first ever cryptocurrency has limitations when interacting with newer blockchains. For example, Ethereum. Wrapped Bitcoin (WBTC) solves this limitation by allowing Bitcoin to function on the Ethereum network, enabling access to decentralized finance (DeFi) services.

WBTC is an ERC-20 token that represents Bitcoin 1:1 on the Ethereum blockchain, combining Bitcoin’s value with Ethereum’s smart contract power, and opening new opportunities for BTC holders in decentralized finance (DeFi). Unlike Bitcoin variants aiming to improve its technology, WBTC extends Bitcoin's utility without replacing it.

Join us in this deep dive on how WBTC works, its benefits, risks, and how it connects Bitcoin to the broader DeFi ecosystem.

Unlocking Bitcoin’s Power on Ethereum

Launched in January 2019, approximately 10 years after Bitcoin's initial release, WBTC was created as a collaborative effort between BitGo, Kyber Network, and Ren (formerly Republic Protocol), along with other major players in the DeFi space including MakerDAO, Dharma, and Set Protocol. 

As an ERC-20 token, WBTC adheres to Ethereum's token standard, making it compatible with the entire Ethereum ecosystem, including its smart contracts, decentralized applications, and wallets.

In structure, WBTC bears similarities to stablecoins like USDC or USDT, which are backed by reserve assets. However, while stablecoins aim to maintain a stable value (usually pegged to a fiat currency like the US dollar), WBTC's value fluctuates with Bitcoin's market price. 

Each WBTC token is backed by an equivalent amount of Bitcoin (BTC) held in reserve by a custodian, maintaining a strict 1:1 ratio, meaning 1 WBTC is always equivalent to 1 BTC in value.

Wrapped Bitcoin is now under the control of a Decentralized Autonomous Organization (DAO) called the WBTC DAO. This organization oversees the protocol, ensuring the integrity of the wrapping process and maintaining transparency in the system. Unlike Bitcoin's fully decentralized nature, WBTC relies on certain trusted entities to maintain the backing of the tokens, which creates an interesting balance between utility and trustworthiness.

WBTC belongs to a broader category of financial instruments known as "wrapped tokens." These are cryptocurrencies that are enclosed or "wrapped" in a digital vault and represented as another token on a different blockchain. While WBTC represents Bitcoin on Ethereum, there are other wrapped tokens in the cryptocurrency space, including Wrapped Ether (WETH) which, somewhat paradoxically, is a wrapped version of Ethereum's native token on its own blockchain that conforms more strictly to the ERC-20 standard.

Why Does Wrapped Bitcoin Exist?

Wrapped Bitcoin (WBTC) was created to bridge the gap between Bitcoin and newer blockchain platforms like Ethereum.

1. Bitcoin's limited smart contract functionality

Bitcoin prioritizes security over programmability, making it unsuitable for complex decentralized apps. In contrast, Ethereum supports smart contracts that power a wide range of automated financial services.

2. Access to DeFi for Bitcoin holders

Ethereum's DeFi ecosystem offers lending, trading, and yield farming, but Bitcoin holders couldn't participate without converting their BTC. WBTC solves this, letting them use Bitcoin's value within Ethereum-based applications.

3. Unlocking Bitcoin's liquidity

Bitcoin's vast market capitalization holds significant untapped liquidity. WBTC brings this capital into Ethereum's DeFi network, benefiting both Bitcoin holders and the broader ecosystem.

4. Faster, more flexible Bitcoin transactions

While Bitcoin transactions can be slow and costly, WBTC uses Ethereum's network for quicker, cheaper trades-ideal for active traders and DeFi users.

In short, WBTC enhances Bitcoin's utility without altering its core protocol, connecting it to the evolving world of decentralized finance.

How Does Wrapped Bitcoin Work? The Nuts and Bolts

Wrapped Bitcoin (WBTC) bridges Bitcoin and Ethereum through a secure, transparent process involving key participants and smart contracts.

1. Wrapping and unwrapping process:

Wrapping (BTC → WBTC): Users send Bitcoin to a custodian, who secures it and mints an equivalent amount of WBTC on Ethereum, sending it to the user's Ethereum wallet.

Unwrapping (WBTC → BTC): Users burn WBTC, prompting the custodian to release the equivalent Bitcoin back to their Bitcoin wallet.

This 1:1 pegging ensures WBTC is fully backed by Bitcoin reserves.

2. Key participants:

Custodians (e.g., BitGo): Hold and safeguard the Bitcoin backing WBTC.

Merchants: Authorized to request minting or burning of WBTC.

Users: Individuals or entities using WBTC in Ethereum's DeFi ecosystem.

WBTC DAO Members: Stakeholders who govern protocol decisions.

3. Transparency and verification:

Proof of reserves: Publicly verifiable Bitcoin addresses back every WBTC in circulation.

On-chain verification: Minting and burning are recorded on both blockchains.

Regular attestations: Independent checks confirm reserve accuracy.

4. Technical implementation:

WBTC is built as an ERC-20 token, Ethereum’s standard for fungible tokens. All ERC-20 tokens follow the same set of rules, which makes them interchangeable, easy to trade, and instantly compatible with most Ethereum wallets and DeFi apps. 

This makes WBTC easily transferable, compatible with wallets, and usable in DeFi apps like lending platforms, decentralized exchanges, and yield farming protocols. It gives Bitcoin the same programmability and utility as Ethereum-native assets.

Showdown: Wrapped Bitcoin (WBTC) vs. Bitcoin (BTC)

Although WBTC and BTC share the same value, their use cases differ. Bitcoin is designed for security, immutability, and censorship resistance. WBTC, on the other hand, thrives in Ethereum’s ecosystem where smart contracts enable lending, borrowing, and trading.

For storing wealth long-term, Bitcoin remains the go-to. For generating yield or accessing DeFi, WBTC is the practical choice. Different uses for different needs.

How Wrapped Bitcoin Boosts Your Crypto

1. DeFi accessibility:

WBTC lets users leverage Bitcoin in DeFi platforms for:

Lending & borrowing: Use WBTC as collateral on platforms like Aave or Compound to earn interest or borrow assets.

Yield farming: Provide WBTC liquidity for rewards, often surpassing Bitcoin's passive holding returns.

Liquidity provision: Earn trading fees by adding WBTC to pools on exchanges like Uniswap.

Synthetic assets: Mint assets pegged to traditional markets using WBTC as collateral.

2. Enhanced liquidity:

WBTC boosts capital efficiency across Ethereum by:

Expanding DeFi liquidity: Unlocking Bitcoin's market value to strengthen liquidity pools.

Reducing slippage: Deeper markets enable smoother trades.

Providing stable collateral: Bitcoin-backed assets offer trusted options for DeFi protocols.

3. Transaction advantages:

Compared to Bitcoin, WBTC transactions on Ethereum benefit from:

Faster confirmations: Ethereum's ~12-second block times outpace Bitcoin's 10-minute average.

Predictable fees: Ethereum's fee structure can be more cost-effective in certain conditions.

Smart contract integration: WBTC supports complex transactions Bitcoin's network can't handle.

4. Broader utility:

Beyond DeFi, WBTC enhances user options by:

Accessing smart contracts: Participate in advanced applications without selling Bitcoin.

Composability: Use WBTC across multiple protocols simultaneously.

Simplified management: Store WBTC alongside other Ethereum assets in common wallets.

Gaming & NFTs: Spend WBTC in blockchain games or NFT marketplaces.

While WBTC offers significant opportunities, it comes with trade-offs regarding decentralization and security, as covered in the next section.

Navigating Wrapped Bitcoin: Risks and Challenges

Custodial risks

While WBTC brings Bitcoin into DeFi, it introduces centralization as well. WBTC depends on BitGo as the sole custodian to hold the backing Bitcoin, creating a central point of failure. Users must trust these custodians to safeguard funds, process redemptions, and comply with regulations that could freeze assets or restrict conversions.

BitGo, DAO member and sole custodian. Source.

Smart contract risks

WBTC relies on Ethereum smart contracts, which, despite audits, can still have vulnerabilities or coding flaws. It's also affected by Ethereum network issues like congestion, high gas fees, and risks from interacting with DeFi platforms.

Price and market risks

WBTC tracks Bitcoin's price and shares its volatility. In turbulent markets, it may trade slightly above or below Bitcoin's value. Large conversions can strain liquidity, making big trades harder without impacting price.

Operational challenges

Managing WBTC involves both Bitcoin and Ethereum blockchains, which can be complex for newcomers. High Ethereum gas fees and slow WBTC-to-Bitcoin conversions (especially for large transactions) are additional hurdles.

Alternatives with less trust required

Some users prefer fully decentralized options like native Bitcoin, though it lacks smart contract functionality. Other wrapped Bitcoin solutions use different technologies to reduce reliance on custodians.

Wrapping Up WBTC

WBTC represents a shift in the cryptocurrency space, bridging the gap between Bitcoin's unparalleled network security and store-of-value properties with Ethereum's programmability and vibrant DeFi landscape. Since its launch in 2019, WBTC has grown from a novel concept to a cornerstone of cross-chain interoperability, enabling countless new use cases for Bitcoin holders.

For users, WBTC allows exposure to Bitcoin while engaging with decentralized finance (DeFi) on Ethereum and other platforms, enabling participation in both without choosing between them. While for DeFi, Bitcoin's liquidity has fostered growth, stability and asset diversity. WBTC has also paved the way for other wrapped assets, making the crypto ecosystem more interconnected and efficient.

As blockchain technology evolves, solutions like WBTC will address limitations while retaining core utility. Its success shows how cryptocurrency innovation can build upon existing strengths without replacing them.

Other Wrapped Bitcoin alternatives

While WBTC is the most widely used Bitcoin representation on Ethereum, several alternatives have emerged, each with different approaches to the bridge between Bitcoin and other blockchains:

• renBTC
• tBTC
• sBTC (Synthetic BTC)
• HBTC
• pBTC

How Can I Buy Wrapped Bitcoin (WBTC)?

If you’re looking to bring Bitcoin into the world of Ethereum, Wrapped Bitcoin (WBTC) is the gateway you might be looking for. Through the Tap app, users can easily add WBTC to their portfolios, opening up access to Ethereum’s thriving DeFi ecosystem. Getting started is simple: just download the app, create an account, and start trading WBTC in minutes.

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Knapphet är ett grundläggande begrepp som beskriver klyftan mellan våra oändliga behov och de begränsade resurser som finns tillgängliga i världen. Det handlar inte bara om varor och tjänster i vardagen — knapphet spelar också en avgörande roll inom investeringar och finans.

Att förstå knapphet hjälper oss att se hur resurser används, hur marknader fungerar och varför priser sätts som de gör. Oavsett om du tänker på globala resursutmaningar eller möjliga investeringsmöjligheter, är det viktigt att förstå hur knapphet påverkar beslutsfattandet.

Vad betyder knapphet?

Inom ekonomin syftar knapphet på det faktum att det finns en begränsad mängd råvaror, arbetskraft, mark och kapital, samtidigt som behoven och önskemålen hos individer, företag och hela samhällen är i princip oändliga.

Ur ett investeringsperspektiv kan knapphet visa sig i form av ett begränsat utbud av högkvalitativa aktier. Medan allt fler vill hitta lönsamma investeringar, finns det bara ett visst antal välpresterande bolag att satsa på.

Denna begränsning driver ofta upp priserna på attraktiva tillgångar, eftersom fler vill äga en bit av något som det finns lite av. Det innebär att investerare måste prioritera klokt – och väga potentiell avkastning mot högre kostnader.

Vad påverkar knapphet?

Ekonomer använder begreppet knapphet för att förklara varför vissa resurser som tidigare var lättillgängliga plötsligt blir svåra att få tag i. Det finns tre huvudorsaker till knapphet:

Efterfrågedriven knapphet

Detta sker när efterfrågan överstiger tillgången. Exempel: En ny populär spelkonsol släpps och säljer slut direkt eftersom så många vill ha den.

Utbudsdriven knapphet

Här är det yttre faktorer som påverkar tillgången, till exempel tillverkningsproblem eller naturkatastrofer. Ett exempel är chipbrist som påverkar hela elektronikindustrin.

Strukturell eller relativ knapphet

Denna typ av knapphet uppstår när vissa grupper har bättre tillgång till resurser än andra, ofta på grund av politiska eller ekonomiska ojämlikheter – inte på grund av resursens faktiska tillgång.

Knapphet i olika branscher

Knapphet påverkar olika branscher på olika sätt. Inom jordbruket kan torka eller dåliga skördar minska tillgången på livsmedel, vilket driver upp priserna och förändrar konsumentbeteenden.

Inom teknik kan brist på komponenter som mikrochip fördröja produktion, göra produkter dyrare och begränsa tillgången. I sjukvården kan brist på läkemedel eller utrustning höja kostnader och försvåra tillgången till vård.

Inom finans påverkar knapphet också kapitalfördelning. När det finns begränsat med kapital eller attraktiva investeringar måste investerare fatta strategiska beslut – vilket i sin tur driver upp priserna på eftertraktade tillgångar.

Hur påverkar knapphet oss?

I dagens samhälle påverkar knapphet alla – privatpersoner, företag och regeringar.

För privatpersoner innebär det svåra val kring vad pengarna ska användas till. Företag kan ha svårt att få tag på råvaror, vilket påverkar produktionen och priserna. Regeringar måste ta hänsyn till knapphet när de utformar politik, budgetar och samhällsprojekt.

Knapphet driver ekonomisk politik och påverkar hur resurser fördelas. Den formar också marknadsdynamiken – när tillgång och efterfrågan förändras påverkar det priser, utbud och efterfrågan i hela ekonomin.

Knapphet inom ekonomi

Ur ett investeringsperspektiv innebär knapphet att det finns ett begränsat utbud av en viss tillgång, samtidigt som efterfrågan är hög – vilket i sin tur kan driva upp priset.

Det kan handla om allt från naturresurser till populära kryptotillgångar. När något blir svårt att få tag på ökar ofta dess värde. Ett tydligt exempel är Bitcoin, som har ett maxutbud på 21 miljoner coins. När fler efterfrågar något som är begränsat i utbud, tenderar priset att öka.

Strategier för att hantera knapphet på marknaden

Oavsett om du investerar eller handlar aktivt, här är sex strategier att ha i åtanke för att navigera marknader där knapphet spelar roll:

1. Diversifiera dina investeringar – Sprid dina investeringar för att minska risken om en bransch påverkas av brist.
2. Välj stabila sektorer – Satsa på områden där tillgången på resurser är god och förutsägbar.
3. Utforska nya marknader och teknologier – Håll ögonen öppna för innovation och framväxande sektorer.
4. Tänk långsiktigt – Tillgångar som fastigheter eller råvaror kan behålla sitt värde över tid.
5. Håll dig informerad – Följ marknadstrender, utbudsproblem och förändringar i efterfrågan.
6. Fundera på hållbarhet – Investera i teknologier och lösningar som hanterar resurser på ett effektivt sätt och kan bidra till framtida stabilitet.

Observera: detta är endast generella förslag och inte finansiell rådgivning. Gör alltid noggrann research innan du fattar investeringsbeslut.

Slutsats

Knapphet är ett centralt begrepp inom ekonomi som visar klyftan mellan våra oändliga behov och världens begränsade resurser.

Det påverkar alla – från privatpersoner till företag och hela regeringar. Genom att förstå hur knapphet fungerar kan vi fatta bättre beslut, investera klokare, och använda våra resurser mer effektivt.

Knapphet formar vår ekonomi, våra marknader och våra möjligheter – att förstå det är nyckeln till att navigera dagens komplexa värld.

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For a fleeting moment, it looked like altcoin season was finally here. Google searches for “altcoins” skyrocketed to record highs, 𝕏 was buzzing, and retail excitement seemed to return in full force. But within a week, that hype fizzled out almost as quickly as it appeared, leaving traders wondering if the long-awaited alt season was just a mirage.

A Spike That Vanished Overnight

Search interest for “altcoin” on Google Trends hit its highest score ever in early August, only to fall back to baseline levels within days. Globally, the same pattern played out, with scores dropping from 100 to just 16 in a week, mimicking a “pump and dump” pattern that you would expect from a memecoin.

Market cap data told the same story. The total value of altcoins (excluding Bitcoin and Ethereum) briefly climbed by $100 billion before giving it all back, leaving investors wondering whether the hype had any real weight behind it.

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Naturally, some saw the collapse as proof that the altcoin season had ended before it really began. Others, however, like analyst Cyclop, argue the spike shows something deeper: that “altcoin” has become the mainstream term retail uses today, replacing “crypto” in 2021. In his view, this isn’t the peak. Rather, it’s just the beginning of broader interest.

Why Google Trends Doesn’t Tell the Whole Story

Relying on Google searches to measure retail demand may no longer work the way it used to. With AI tools increasingly replacing traditional search, and with concepts like “altcoins” now part of everyday investor vocabulary, Trends data might not be capturing where and how money is really flowing.

Instead, analysts point to on-chain and trading activity as better indicators of where momentum is building. And in August, that momentum was fragmented.

A Season of Winners and Losers

Data from Artemis showed only a few categories outperforming last month: Ethereum, exchange tokens, and oracles.

Beyond these bright spots, however, most altcoins struggled. The result? A patchwork “mini season” rather than the explosive, across-the-board surge that retail and social media had been hoping for.

Polygon’s co-founder Sandeep put it bluntly: "Retail is searching, but institutions aren't buying the narratives yet. Old altcoin seasons were driven by speculation and promises and narratives and marketing. Institutional money is smarter money. It cares about real utility and cash flows. The next "alt season" won't look like 2017 or 2021. It’ll be fewer tokens with actual usage, not just tokens with better marketing." Sandeep said.

The Road Ahead

That doesn’t mean altcoin season is dead, it probably just means it’s evolving.Coinbase has suggested that the next true wave could arrive as early as September, but that it likely won’t be a full-scale altcoin season.

Bottom line? The altcoin season isn’t gone; it’s just different. It’s maturing. And the next leg up may not belong to every token in the market, but only to the select few proving they can deliver value beyond mere speculation.

The internet has made earning money easier than ever - whether you want a side hustle for some extra cash or a full online business, the opportunities keep growing fast. From quick gigs to long-term passive income streams, there’s something for everyone. 

But don’t expect to get rich overnight (and if someone promises you that, it’s more than likely a scam). With focus, patience, and smart moves, you can build real, sustainable income online.

This guide breaks down proven ways people are making money from home, some with zero upfront costs, others aimed at long-term growth. The trick? Find what fits your skills, time, and goals.

Let’s dive in!

1. Best ways to make money online quickly (low skill, high interest)

If you're new to making money online (see our beginners’ guide here) or need cash fast, these low-barrier options can help you start building income without any special skills. They won’t replace your 9-5, but they’re great for extra cash or to start building your online income game.

Paid online surveys

Surveys remain one of the easiest ways to start earning online. Companies pay for your honest opinion. No skills needed, just some spare time.

• Top platforms: Swagbucks, Branded Surveys, YouGov, Prolific
• Earnings: Typically £0.50-£3 per survey, 10-20 minutes each
• Tip: You’ll need to hit a payout threshold (usually £10-20) before withdrawing

Get paid to click, watch, or search

Earn small amounts doing simple online tasks like watching videos or using a search engine. It won’t replace a full income, but it adds up if you’re consistent.

• Try: Qmee, InboxPounds, Swagbucks
• Earnings: Pennies per task, but easy to do anytime

Micro-tasks

These quick gigs need human input, like data entry or web research.

• Platforms: Clickworker, Amazon Mechanical Turk, Lionbridge
• Pay: £2–£10 per hour, flexible hours

Test websites and apps

Give feedback on the usability and functionality of websites or apps.

• Sites: UserTesting, Userlytics, TryMyUI
• Pay: £8-£12 per 20-minute test
• Requirements: Good communication skills and reliable internet

Competitions and prize draws (comping)

Not guaranteed income, but some people win prizes worth thousands annually by entering competitions.

• Follow brands on social media for exclusive contests
• Use aggregator sites like LoquaxTM and MSE's Competition Corner

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2. Medium-effort methods with reliable returns

These options require more skill or time investment but offer better earning potential and more engaging work.

Freelance writing and editing

Content demand is booming. If you can write clearly, this is a solid way to earn.

• Get started: Upwork, Intch, Freelancer
• Rates: Beginners £10-20/article; experienced £30-100+/hour
• Tip: Build a niche and portfolio gradually

Sell stock photos or videos

Monetise your photography/videography skills on platforms like Shutterstock or Adobe Stock.

Become a Virtual Assistant (VA)

Support businesses with admin tasks, social media, customer service, and more.

• Pay: £8-25/hour
• Build: Long-term client relationships for stable income

Sell handmade products

Use Etsy, Folksy, or Amazon Handmade to turn crafts into cash.

Sell digital products

High margins, no inventory. Popular items include Notion templates, Canva designs, ChatGPT prompts, and planners.

• Platforms: Gumroad, Etsy, Creative Market

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3. Scalable and passive income streams

These take real effort up front, but once they’re set up, they can bring in steady income with little to no maintenance.

Dropshipping tips

Sell products online without inventory, using Shopify or WooCommerce.

• Profit margins: 3-7% after ads
• Requires skills in marketing and customer service

Print-on-demand

Design items like t-shirts or mugs are printed only when ordered.

• Platforms: Printful, Printify, Merch by Amazon, Redbubble

Start a blog or niche website

Earn through ads, affiliate links, sponsored content, and digital products.

• Takes roughly 6-18 months to grow, but can generate substantial passive income

Create and sell online courses

Share your expertise on platforms like Udemy, Teachable, Skillshare, or Coursera.

Write and publish ebooks

Self-publish on Kindle Direct Publishing or Smashwords. Good editing and marketing matter.

Launch a YouTube channel

Earn through ads, memberships, super chats, sponsorships, and affiliate marketing.

Side hustles that use your environment or possessions

Why not monetise what you already own? 

• Rent property through Airbnb or Booking.com for significant income. 
• Rent belongings like cars (Turo), equipment (Fat Llama), or parking spaces (JustPark). 
• Sell unused items on Facebook Marketplace, eBay, or Vinted - many earn hundreds decluttering. 
• Use cashback apps like Shoppix and TopCashback (or from your Tap card - up to 8% people) for purchases you're already making. 

These options work especially well in urban areas and thankfully require minimal upfront investment.

What to watch out for

The internet is full of legitimate opportunities, but scams are unfortunately common. Protecting yourself is crucial.

Avoid scams, watch for:

• Promises of guaranteed big money with little effort
• Upfront payment requests for “training” or “kits”
• Pyramid or multi-level marketing schemes

Know your tax obligations. In the UK, you must report online income over £1,000 to HMRC. Keep good records and consider professional advice.

Understand platform rules. Check minimum payouts, fees, payment methods, and account policies before signing up. Always read the ts and cs.

Tips for success when earning online

Unlock your online earning power with these 5 no-fluff strategies:

• Use a separate email for online earning to stay organised and secure
• Track your earnings and time with a spreadsheet for insights and taxes
• Focus on higher-paying platforms and build skills accordingly
• Start small, then scale what works best for you
• Learn digital skills (SEO, copywriting, design, social media) via free online tutorials

Final thoughts

Making money online gives you freedom, but it also takes effort and patience. There’s no magic formula - some people thrive blogging, others with surveys or micro-tasks. Start small, learn, and expand gradually. 

And lastly, watch out for scams, keep good records, and keep adding value. If you’ve made it this far, we believe you’re ready to take control of your online income journey!

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Oavsett om du investerar, sparar eller bara vill få koll på din ekonomi, är det viktigt att förstå ditt nettovärde. Det är ett kraftfullt mått som ger en tydlig bild av din ekonomiska status – en grundläggande byggsten i att fatta kloka beslut och planera för framtiden.

I den här artikeln går vi igenom vad nettovärde är, hur du räknar ut det, vilka faktorer som påverkar, och varför det är ett viktigt verktyg i din privatekonomi.

Vad betyder nettovärde?

Ditt nettovärde är skillnaden mellan dina tillgångar och dina skulder. Det visar helt enkelt hur mycket du äger – minus det du är skyldig.

Till skillnad från inkomst, som visar hur mycket du tjänar under en viss period, ger nettovärde en helhetsbild av din ekonomiska situation på lång sikt. Genom att följa ditt nettovärde kan du sätta upp realistiska mål och se hur din ekonomi utvecklas över tid.

Vad påverkar nettovärdet?

Inkomst

Din inkomst har förstås betydelse – den inkluderar lön, investeringar och andra intäktskällor. Ju högre inkomst, desto större möjligheter att bygga upp ett starkt nettovärde. Men det handlar inte bara om att tjäna mer – utan att också hantera sina utgifter klokt.

Tillgångar

Tillgångar kan vara allt från bostäder och sparkonton till investeringar och värdefulla ägodelar. Att äga tillgångar som ökar i värde över tid stärker ditt nettovärde.

Skulder

Skulder, som bolån, studielån eller kreditkortsskulder, drar ned ditt nettovärde. Att minska skulder, särskilt de med hög ränta, är ett steg i rätt riktning.

Så beräknar du ditt nettovärde

1. Lista alla dina tillgångar och deras ungefärliga värde.
2. Lista alla skulder och summor du är skyldig.
3. Dra av skulderna från tillgångarna:
       Tillgångar – Skulder = Nettovärde

Att göra detta regelbundet hjälper dig att hålla koll på utvecklingen.

Exempel: Positivt nettovärde

Sarahs tillgångar:

• Bostad: 4 000 000 kr
• Sparkonto: 500 000 kr
• Aktier & fonder: 1 500 000 kr
• Tjänstepension: 2 000 000 kr
• Bil: 200 000 kr
  Totalt: 8 200 000 kr

Sarahs skulder:

• Bolån: 2 000 000 kr
• Studielån: 300 000 kr
  Totalt: 2 300 000 kr

Sarahs nettovärde:
8 200 000 – 2 300 000 = 5 900 000 kr

Exempel: Negativt nettovärde

Marks tillgångar:

• Bil: 100 000 kr
• Ägodelar: 50 000 kr
  Totalt: 150 000 kr

Marks skulder:

• Studielån: 500 000 kr
• Kreditkort: 80 000 kr
• Sjukhusräkningar: 30 000 kr
  Totalt: 610 000 kr

Marks nettovärde:
150 000 – 610 000 = –460 000 kr

6 anledningar till att det är bra att öka sitt nettovärde

• Ekonomisk trygghet: En buffert för oförutsedda utgifter och svårare tider.
• Uppnå mål: Möjlighet att köpa bostad, resa eller gå i pension tryggt.
• Bygga förmögenhet: En positiv trend stärker din ekonomi på sikt.
• Bättre villkor: Starkare ekonomisk profil ger bättre lånevillkor.
• Valfrihet: Fler valmöjligheter i livet, mindre beroende av andras beslut.
• Sinnesro: Mindre stress och oro när du ser att din ekonomi växer.

Tips för att stärka ditt nettovärde

• Ha koll på inkomster & utgifter: Skapa en hållbar budget.
• Öka tillgångar: Investera långsiktigt och sprid riskerna.
• Minska skulder: Prioritera att betala av dyra lån och krediter.
• Tänk långsiktigt: Sätt upp sparmål och skapa en trygg buffert.

Avslutande tankar

Att förstå sitt nettovärde är ett viktigt steg mot en starkare ekonomi. Genom att följa dina tillgångar och skulder kan du få en tydligare bild av din ekonomiska hälsa och ta kontroll över din framtid.

Se nettovärde inte bara som en siffra – utan som ett verktyg för att bygga trygghet, frihet och nya möjligheter i livet.