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translated article in markdown format
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We need to translate title: "Passive Crypto Income: Staking, Lending, and Affiliate Programs" => Chinese: "被动加密收入：质押、借贷和联盟计划" maybe. Or "被动加密收入：质押、借贷和联盟项目". Choose natural.
Summary: "Learn how to generate passive crypto income through staking, lending, and affiliate programs with practical tips, risk insights, and step‑by‑step guidance." Chinese: "了解如何通过质押、借贷和联盟计划获得被动加密收入，附有实用技巧、风险洞察和逐步指导。" Must be under 160 characters (Chinese characters count). Likely fine.
Now content: translate whole article into Chinese markdown. Must preserve headings etc. Provide Chinese translation.
Let's translate paragraphs.
We need to keep markdown tags like
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- Compound growth: Rewards can be reinvested to accelerate earnings.
- Diversification: Adds income streams beyond price appreciation.
- Lower volatility exposure: Earning yield can offset short‑term price swings.
- 复利增长: 奖励可以再投资以加速收益。
- 多样化: 除了价格增值外，增加收入来源。
- 降低波动敞口: 获得收益可以抵消短期价格波动。
- Select a PoS coin (e.g., Ethereum, Cardano, Solana).
- Delegate your tokens to a validator or run your own node.
- Earn rewards based on the amount staked and the network’s inflation rate.
- 选择PoS币种（例如以太坊、卡尔达诺、索拉纳）。
- 委托你的代币给验证者或自行运行节点。
- 获得奖励基于你质押的数量以及网络的通胀率。
- Check lock‑up periods: Some protocols require a bonding period (e.g., 21 days on Cosmos).
- Use reputable validators: Look for high uptime, low commission, and a solid track record.
- Consider liquid staking: Platforms like Lido or Rocket Pool issue derivative tokens (e.g., stETH) that represent your staked position and can be traded or used in DeFi while still earning rewards.
- Monitor slashing risks: Validators can be penalized for downtime or double‑signing; choose operators with low slashing history.
- 检查锁定期: 某些协议要求锁定期（例如 Cosmos 上的 21 天）。
- 使用信誉良好的验证者: 寻找高正常运行时间、低手续费且记录良好的验证者。
- 考虑流动性质押: 如 Lido 或 Rocket Pool 等平台会发行衍生代币（例如 stETH），代表你的质押头寸，既可以交易或在 DeFi 中使用，仍能获得奖励。
- 监控惩罚风险: 验证者可能因停机或双重签署而被惩罚；选择惩罚历史较低的运营者。
- Deposit your crypto into a lending pool.
- Borrowers take out loans, often over‑collateralized.
- Interest accrues based on supply‑demand dynamics and is paid out periodically (often daily).
- 存入你的加密货币到借贷池中。
- 借款人贷款，通常需要过度抵押。
- 利息累积基于供需动态，并定期支付（通常每日）。
- Compare APYs: Rates fluctuate; use aggregators like DeFi Pulse or Llama to find the best pools.
- Assess platform risk: Centralized lenders carry custodial risk; decentralized ones rely on smart‑contract security.
- Diversify across assets: Lending stablecoins (USDC, DAI) usually offers lower but more stable yields, while volatile assets can offer higher APY with greater risk.
- Watch for liquidation thresholds: In DeFi, if collateral value drops too far, positions may be liquidated, affecting the pool’s health.
- 比较 APY: 利率会波动；可使用 DeFi Pulse 或 Llama 等聚合器寻找最佳池子。
- 评估平台风险: 中心化借贷平台承托管风险；去中心化平台则依赖智能合约安全。
- 跨资产多样化: 借贷稳定币（如 USDC、DAI）通常提供较低但更稳定的收益，而波动性资产可能提供更高的 APY，但风险也更大。
- 注意清算阈值: 在 DeFi 中，若抵押品价值跌得太低，头寸可能被清算，影响池子的健康状况。
Let's do.
Title line: TITLE: 被动加密收入：质押、借贷和联盟计划
Summary line: SUMMARY: 了解如何通过质押、借贷和联盟计划获得被动加密收入，附有实用技巧、风险洞察和逐步指导。
Check length: Count characters roughly: "了解如何通过质押、借贷和联盟计划获得被动加密收入，附有实用技巧、风险洞察和逐步指导。" That's maybe ~50. Good.
Now content: We'll translate each segment.
We need to output:
CONTENT: [translated markdown]
We'll keep HTML tags but translate inner text.
Let's translate:
Introduction
=>
介绍
Cryptocurrency offers more than just price speculation; it provides several avenues to earn passive income while you hold your assets. Three of the most accessible methods are staking, lending, and affiliate programs. Each comes with its own mechanics, risk profile, and reward potential. This guide breaks down how they work, what you need to get started, and practical tips to maximize returns while managing risk.
Translate:
加密货币不仅仅是价格投机；它提供了多种在持有资产时赚取被动收入的途径。最易上手的三种方法是质押、借贷和联盟计划。每种方法都有其自身的机制、风险特征和回报潜力。本指南将拆解它们的工作原理、开始所需条件，并提供实用技巧，帮助在控制风险的同时最大化收益。
Understanding Passive Income in Crypto
=>
理解加密货币中的被动收入
Before diving into the specifics, it’s useful to define what we mean by passive income in this context. Passive income refers to earnings that require minimal active effort after the initial setup. In crypto, this typically means locking up or allocating your tokens to a service that pays you regularly—often in the same token or a related one. The key is to understand the underlying mechanism, the lock‑up period, and any counterparty risk.
Translate:
在深入细节之前，先明确在此情境下我们所说的被动收入是什么。被动收入指的是在初始设置后只需最少的主动努力即可获得的收益。在加密货币领域，这通常意味着将你的代币锁定或分配给一种定期支付收益的服务——往往是同一种代币或相关代币。关键在于理解其底层机制、锁定期以及任何对手方风险。
Why Choose Passive Strategies?
=>
为什么选择被动策略？
Translate:
Staking: Earning by Securing the Network
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质押：通过保障网络赚取收益
Staking involves locking up a cryptocurrency in a proof‑of‑stake (PoS) blockchain to help validate transactions. In return, you receive staking rewards, usually paid in the native token.
Translate:
质押涉及在权益证明（PoS）区块链中锁定加密货币，以帮助验证交易。作为回报，你将获得质押奖励，通常以原生代币形式发放。
How Staking Works
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质押是如何工作的？
Translate:
Practical Tips for Staking
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质押的实用技巧
Translate:
Example Calculation
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示例计算
If you stake 10 ETH at a 5 % annual yield, you’d earn roughly 0.5 ETH per year, assuming the price of ETH stays constant. Compounding monthly can push the effective yield slightly higher.
Translate:
如果你以 5% 的年化收益率质押 10 ETH，假设 ETH 价格保持不变，你每年大约能获得 0.5 ETH。按月复利可以使实际收益略微提升。
Lending: Putting Your Crypto to Work
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借贷：让你的加密货币发挥作用
Crypto lending lets you lend your assets to borrowers via centralized platforms (e.g., Nexo, BlockFi) or decentralized protocols (e.g., Aave, Compound). Borrowers pay interest, and you receive a share.
Translate:
加密货币借贷允许你通过中心化平台（如 Nexo、BlockFi）或去中心化协议（如 Aave、Compound）将资产借给借款人。借款人支付利息，你获得其中的一部分。
How Lending Works
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借贷是如何运作的？
Translate:
Practical Tips for Lending
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借贷的实用技巧
Translate:
Example Calculation
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示例计算
Depositing 10,000 USDC in a protocol offering 8 % APY yields about 800 USDC annually. With daily compounding, the effective return is a bit higher.
Translate:
在提供 8% 年化收益率的协议中存入 10,000 USDC，年收益约为 800 USDC。每日复利后，实际