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We need to translate headings, paragraphs, lists, tables etc into Chinese, preserving markdown formatting.

Make sure summary under 160 characters Chinese.

Let's craft title: "加密货币被动收入：质押、借贷 & 联盟计划指南"

Summary: maybe "了解如何通过质押、借贷和联盟计划在加密货币中获得被动收入，包括实用步骤、风险提示和平台推荐。" Count characters: Let's count roughly: Chinese characters count each as one. "了解如何通过质押、借贷和联盟计划在加密货币中获得被动收入，包括实用步骤、风险提示和平台推荐。" Count: 了解(2) 如何(2) 通过(2) 质押、(2) 借贷(2) 和(2) 联盟计划(4) 在(1) 加密货币中(4) 获得(2) 被动收入(3)，包括(2) 实用步骤、(3) 风险提示(3)、和(1) 平台推荐(3)。 Let's just trust it's under 160.

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  Original:

  Introduction

  Why Passive Income in Crypto?

  The crypto market offers more than just price speculation. By putting your assets to work, you can earn steady returns regardless of market swings. Three of the most accessible methods are staking, lending, and affiliate programs. Each suits different risk tolerances and technical comfort levels, letting you build a diversified passive‑income stream.

  We translate:

  介绍

  为什么在加密货币中获得被动收入？

  加密货币市场不仅提供价格投机。通过让您的资产工作，您可以在市场波动中获得稳定回报。最易于使用的三种方法是 质押、借贷 和 联盟计划。每种方法适合不同的风险承受能力和技术舒适度，让您构建多元化的被动收入流。

  Next:

  Staking: Earn Rewards by Holding Tokens

  How Staking Works

  Staking involves locking up a cryptocurrency that uses a Proof‑of‑Stake (PoS) consensus mechanism. In return, the network rewards you with newly minted tokens or a share of transaction fees. Think of it as earning interest on a savings account, but the “bank” is a blockchain.

  Translate:

  质押：通过持有代币获得奖励

  质押是如何工作的

  质押涉及锁定使用权益证明（PoS）共识机制的加密货币。作为回报，网络会用新铸造的代币或交易费用的份额奖励您。这就像在储蓄账户中赚取利息，但“银行”是区块链。

  Next:

  Choosing the Right Staking Platform

  • Native wallets: Many PoS chains (e.g., Ethereum, Cardano, Solana) let you stake directly from their official wallets. This minimizes counterparty risk.
  • Exchange‑based staking: Platforms like Binance, Kraken, and Coinbase offer user‑friendly staking services. They handle the technical details, but you trust the exchange with your funds.
  • Staking pools: If you lack the minimum amount to run a validator node, join a pool. Look for pools with low fees, high uptime, and transparent reward distribution.

  Translate:

  选择合适的质押平台

  • 原生钱包: 许多 PoS 链（例如以太坊、卡尔达诺、索拉纳）允许您直接从其官方钱包进行质押。这可以最小化交易对手风险。
  • 交易所质押: 币安、Kraken 和 Coinbase 等平台提供用户友好的质押服务。他们处理技术细节，但您需要信任交易所保管您的资金。
  • 质押池: 如果您没有足够的最低金额来运行验证器节点，可以加入池子。寻找费用低、正常运行时间高且奖励分配透明的池子。

  Next:

  Risks and Mitigation

  • Slashing: Validators can lose a portion of staked funds for malicious behavior. Choose reputable validators or pools with a solid track record.
  • Lock‑up periods: Some staking requires you to lock funds for weeks or months. Ensure you won’t need immediate liquidity.
  • Market risk: The value of the staked token can fall. Diversify across multiple assets to reduce exposure.

  Translate:

  风险及缓解措施

  • 惩罚（Slashing）: 验证者因恶意行为可能会损失部分质押资金。选择声誉良好、记录可靠的验证者或质押池。
  • 锁定期: 某些质押要求您将资金锁定数周或数月。请确保您不需要立即流动性。
  • 市场风险: 质押代币的价值可能下跌。通过多资产分散投资以降低敞口。

  Next section:

  Lending: Put Your Crypto to Work

  Crypto Lending Basics

  Lending lets you deposit crypto into a platform that loans it to borrowers (often traders seeking leverage). You earn interest paid in the same token or a stablecoin. Rates can range from 2 % to over 10 % APY, depending on supply and demand.

  Translate:

  借贷：让您的加密货币发挥作用

  加密借贷基础

  借贷允许您将加密货币存入平台，该平台将其贷给借款人（通常是寻求杠杆的交易者）。您可获得以相同代币或稳定币形式支付的利息。利率可从 2% 到超过 10% APY，视供需而定。

  Next:

  Centralized vs Decentralized Lending

  Feature	Centralized (CeFi)	Decentralized (DeFi)
  Custodial	Platform holds your keys	You retain control via smart contracts
  KYC/AML	Usually required	Often permissionless
  Interest rates	Fixed or slightly variable	Algorithmically adjusted, can be volatile
  Counterparty risk	Platform risk	Smart‑contract risk

  Popular CeFi lenders include Nexo, Crypto.com, and BlockFi (where available). Leading DeFi protocols are Aave, Compound, and MakerDAO.

  Translate:

  中心化 vs 去中心化借贷

  特性	中心化 (CeFi)	去中心化 (DeFi)
  托管	平台保管您的私钥	您通过智能合约保留控制权
  KYC/AML	通常需要	常常无需许可
  利率	固定或略有波动	算法调整，可能波动较大
  交易对手风险	平台风险	智能合约风险

  受欢迎的中心化借贷平台包括 Nexo、Crypto.com 和 BlockFi（在可用地区）。领先的去中心化协议包括 Aave、Compound 和 MakerDAO。

  Next:

  Tips for Safe Lending

  • Start small: Test a platform with a modest amount before committing larger sums.
  • Check audits: Prefer protocols with recent third‑party security audits.
  • Monitor collateralization: In DeFi, ensure borrowers over‑collateralize loans to protect against liquidation.
  • Diversify: Spread funds across multiple platforms and tokens to mitigate single‑point failures.

  Translate:

  安全借贷的建议

  • 从小额开始: 在投入更大金额之前，先用 modest 金额测试平台。
  • 审计检查: 优先选择近期有第三方安全审计的协议。
  • 监控抵押率: 在 DeFi 中，确保借款人过度抵押贷款以防止清算。
  • 分散投资: 将资金分散到多个平台和代币以降低单点失效风险。

  Next:

  Affiliate Programs: Earn by Referring

  How Crypto Affiliate Programs Work

  Many exchanges, wallets, and DeFi services pay you a commission for each new user you refer who signs up and trades or deposits funds. Commissions can be a flat fee, a percentage of trading fees, or a recurring revenue share.

  Translate:

  联盟计划：通过推荐获利

  加密货币联盟计划如何运作

  许多交易所、钱包和 DeFi 服务会为您每成功推荐一位新用户（该用户注册并进行交易或存入资金）支付佣金。佣金可以是固定费用、交易费用的一定比例，或经常性的收益分成。

  Next:

  Top Programs to Consider

  • Binance Affiliate: Up to 50 % of trading fees paid to referees for life.
  • Coinbase Earn: Earn crypto rewards for educating new users; also offers a referral bonus.
  • Ledger Affiliate: Earn a percentage of hardware wallet sales.
  • Crypto.com Referral: Receive USD 25 in CRO for each qualifying referral, plus ongoing rebates.
  • DeFi Pulse Affiliate: Promote DeFi education tools and earn a share of subscription fees.

  Translate:

  值得考虑的顶级计划

  • Binance 联盟计划: 终身可获得被