Earning passive income with cryptocurrencies is truly possible, and those in the DeFi universe know this well. Recently, I’ve been receiving many questions about how to get started with liquidity pools, so I decided to share my experience and everything I’ve learned along the way.

It all started when I decided to invest one thousand dollars in a TON/USDT pool on StoneFi a few months ago. It seemed complicated at first, but the concept is actually quite simple: you deposit two tokens in equal proportions into a liquidity pool, and every time someone makes a swap using that pool, you earn a portion of the trading fee. It’s like lending your money to a bank and earning interest, but decentralized.

The cool thing is that you don’t just earn from the trading fees. Most platforms offer additional rewards, which they call “farming.” These rewards can be much higher than normal fees, depending on the platform and the pool you choose.

Let me explain how it works in practice. First, you need to connect a crypto wallet like Tonkeeper or TonWallet to StoneFi, which is the largest DEX on the TON blockchain. The process takes just a few clicks. Then, go to the pools section, filter for those offering farming rewards, and pick one that makes sense for you.

Here’s the important part: each pool has two numbers you need to watch. The APR shows how much you’ll earn in trading fees per year, and the farming rewards show how much extra the platform is offering. For beginners, my tip is to choose pools with stable tokens like TON/USDT to reduce risks.

When you find a pool you like, just prepare equal amounts of both tokens, click on Add Liquidity, and confirm in your wallet. Your tokens go into the pool, and you start earning immediately. If you want the extra rewards, activate farming with one more click.

In my case, investing one thousand dollars with a 6% APR in fees and 40% in farming, I would earn around $460 per year if everything stayed constant. But in reality, the numbers fluctuate quite a bit. In six months, I earned $180 just in farming rewards, plus another $100 because the TON price went up. Real passive income.

Now, I won’t lie: there are risks. If the price of one of the tokens drops significantly, you could suffer impermanent losses. And you should always use trusted and verified platforms. But if you understand what you’re doing and choose your liquidity pool wisely, your chances of gains are much higher than the risks.

What many people don’t realize is that it’s not as complicated as it seems. The interface is user-friendly, the process is straightforward, and you can track your earnings in real time. You can withdraw only the rewards whenever you want, or leave everything compounded to earn more. The flexibility is total.

If you’re thinking about starting with liquidity in DeFi, my advice is: start small, understand how it works, and then increase your investment. Compare APRs across different platforms, reinvest your rewards when it makes sense, and regularly check out new pools that appear. The TON ecosystem is growing rapidly, and opportunities are constantly emerging.

Earning with liquidity pools isn’t a get-rich-quick scheme. It’s real passive income, built with patience and smart choices. And yes, it’s possible to earn between 1% and 10% per month depending on market conditions and the pool you choose.