translated title

translated article in markdown format

We must not include JSON or code blocks. Just plain text with those headings.

We need to translate title: "Earn Passive Income in Crypto: Staking, Lending & Affiliate Programs" -> Chinese: "在加密货币中赚取被动收入：质押、借贷及联盟计划" maybe. Or "通过加密货币赚取被动收入：质押、借贷及联盟计划". Keep concise.

Summary: original: "Learn how to generate steady crypto returns through staking, lending, and affiliate programs—practical tips, risks, and best platforms for beginners." Need Chinese under 160 characters. Something like: "了解如何通过质押、借贷和联盟计划获得稳定的加密收益——包含实用技巧、风险及适合新手的最佳平台。" Count characters: let's approximate. Chinese characters count each as one. "了解如何通过质押、借贷和联盟计划获得稳定的加密收益——包含实用技巧、风险及适合新手的最佳平台。" That's maybe ~50. Good.

Now content: translate entire article into Chinese markdown. Keep headings

etc? The original uses HTML tags

,

,

,

,
,
• . We should translate content but keep markdown format? The instruction: "translated article in markdown format". So we need to convert HTML to markdown? Probably we should keep the structure but using markdown headings (##, ###) and lists. Use markdown.

  Thus we need to output:

  TITLE: ... SUMMARY: ... CONTENT: [markdown]

  We must ensure no code fences.

  Let's translate each section.

  I'll produce Chinese markdown.

  We need to translate:

  Introduction to Crypto Passive Income

  => ## 加密货币被动收入简介

  ...

  => paragraph.

  We'll translate all.

  Let's do step by step.

  First, title line.

  Title translation: "在加密货币中赚取被动收入：质押、借贷及联盟计划"

  Alternatively "通过加密货币赚取被动收入：质押、借贷及联盟计划". I'll choose first.

  Now summary line.

  Now content.

  I'll write markdown:

  加密货币被动收入简介

  段落.

  Then sections.

  Let's translate each paragraph.

  I'll produce Chinese.

  Need to be natural.

  Let's do.

  Original intro paragraph:

  "The cryptocurrency ecosystem offers several ways to earn money without actively trading. Three of the most accessible methods are staking, lending, and affiliate programs. Each leverages blockchain technology to provide yields that can outpace traditional savings accounts, though they come with distinct risk profiles. This guide breaks down how each works, what platforms to consider, and practical steps to start earning today."

  Translate:

  "加密货币生态系统提供了多种无需主动交易即可赚钱的方式。其中最易上手的三种方法是 质押、借贷 和 联盟计划。每种方式都利用区块链技术提供可能超过传统储蓄账户的收益，但它们各自具有不同的风险特征。本指南将逐一说明它们的工作原理、可考虑的平台以及今天就能开始赚取收益的实际步骤。"

  We need to convert to markdown ** or just keep Chinese bold? In markdown we can use **.

  Thus: 质押, 借贷, 联盟计划.

  Proceed.

  Next section:

  Staking: Earning Rewards for Securing Networks

  => ## 质押：为保障网络赚取奖励

  What Is Staking?

  => ### 什么是质押?

  Paragraph: "Staking involves locking up a cryptocurrency in a wallet to support the operations of a proof‑of‑stake (PoS) blockchain. In return, validators receive newly minted tokens or a share of transaction fees. Think of it as earning interest for helping secure the network."

  Translate:

  "质押指的是将加密货币锁定在钱包中，以支持权益证明（PoS）区块链的运作。作为回报，验证者会获得新铸造的代币或交易费用的一份分成。可以把它看作是为帮助保障网络而获得的利息。"

  Next

  How to Get Started

  => ### 如何开始

  Ordered list steps.

  Step 1: "Choose a PoS coin – Popular options include Ethereum (ETH), Cardano (ADA), Solana (SOL), and Polkadot (DOT)."

  Translate: "选择一种 PoS 币种 – 常见选择包括以太坊 (ETH)、卡尔达诺 (ADA)、索拉纳 (SOL) 和波卡 (DOT)。"

  Step 2: "Select a staking method – You can stake directly via a native wallet, use a centralized exchange (e.g., Binance, Kraken), or join a staking pool through a DeFi protocol like Lido or Rocket Pool."

  Translate: "选择质押方式 – 您可以通过原生钱包直接质押，使用中心化交易所（如 Binance、Kraken），或通过 DeFi 协议如 Lido 或 Rocket Pool 加入质押池。"

  Step 3: "Delegate your tokens – If you don’t want to run a validator node, delegate your stake to a trusted validator."

  Translate: "委托您的代币 – 如果您不想运行验证者节点，可以将您的股份委托给值得信赖的验证者。"

  Step 4: "Monitor rewards – Most platforms display annual percentage yields (APY) that range from 3% to over 15%, depending on the network and staking duration."

  Translate: "监控奖励 – 大多数平台会显示年化百分比收益率（APY），范围从 3% 超过 15%，具体取决于网络和质押期限。"

  Next

  Pros and Cons

  => ### 优点和缺点

  Pros bullet list.

  "- Relatively low effort once set up." => "- 设置后所需精力较低。"

  "- Contributes to network security and decentralization." => "- 有助于网络安全和去中心化。"

  "- Rewards are often paid in the same token, allowing compound growth." => "- 奖励通常以相同代币发放，可实现复利增长。"

  Cons bullet list.

  "- Lock‑up periods can limit liquidity (some protocols allow instant withdrawals, others require weeks)." => "- 锁定期限可能限制流动性（某些协议允许即时提取，而其他则需数周）。"

  "- Slashing risk: malicious validator behavior can result in a portion of staked funds being burned." => "- 削减风险：恶意验证者行为可能导致部分质押资金被销毁。"

  "- Market volatility affects the underlying token value." => "- 市场波动会影响底层代币价值。"

  Next

  Lending: Earning Interest by Lending Your Crypto

  => ## 借贷：通过出借加密货币赚取利息

  How Crypto Lending Works

  => ### 加密货币借贷如何运作

  Paragraph: "Crypto lending platforms match lenders who deposit assets with borrowers who need leverage. Borrowers provide collateral (often excess crypto) and pay interest, which is distributed to lenders. Rates can be fixed or variable, and many platforms offer instant access to funds."

  Translate:

  "加密货币借贷平台将存入资产的出借方与需要杠杆的借款方匹配。借款人提供抵押品（通常是超额的加密货币）并支付利息，这些利息会分配给出借方。利率可以是固定的或浮动的，许多平台提供即时资金访问。"

  Popular Lending Avenues

  => ### 常见借贷渠道

  Bullet list.

  "- Centralized platforms – BlockFi, Nexo, and Celsius (though some have faced regulatory scrutiny)." => "- 中心化平台 – BlockFi、Nexo 和 Celsius（尽管有些曾受到监管审查）。"

  "- DeFi protocols – Aave, Compound, and MakerDAO allow permissionless lending via smart contracts." => "- DeFi 协议 – Aave、Compound 和 MakerDAO 通过智能合约实现无许可借贷。"

  "- Stablecoin focus – Lending USDC, USDT, or DAI often yields 5%–12% APY with lower price risk." => "- 稳定币重点 – 借贷 USDC、USDT 或 DAI 常能获得 5%–12% 的 APY，价格风险较低。"

  Steps to Begin Lending

  => ### 开始借贷的步骤

  Ordered list.

  Step 1: "Deposit assets – Transfer your crypto to the platform’s wallet or connect your Web3 wallet (MetaMask, WalletConnect) to a DeFi protocol."

  Translate: "存入资产 – 将您的加密货币转移到平台钱包，或将您的 Web3 钱包（MetaMask、WalletConnect）连接到 DeFi 协议。"

  Step 2: "Select market – Choose the asset you wish to lend and review the current supply APY."

  Translate: "选择市场 – 选择您想要出借的资产并查看当前的供应 APY。"

  Step 3: "Earn interest – Interest accrues per block (DeFi) or daily (centralized) and can be withdrawn or reinvested."

  Translate: "赚取利息 – 利息在 DeFi 中按区块累计，在中心化平台按日累计，可提取或再投资。"

  Step 4: "Manage risk – Keep an eye on collateralization ratios; if borrowers default, platforms may liquidate collateral to protect lenders."

  Translate: "管理风险 – 关注抵押率；如果借款人违约，平台可能会清算抵押品以保护出借方。"

  Advantages and Drawbacks

  => ### 优点和缺点

  Advantages bullet list.

  "- Higher yields than traditional savings accounts." => "- 收益高于传统储蓄账户。"

  "- Ability to earn interest on idle assets without selling." => "- 能够在不出售资产的情况下，对闲置资产赚取利息。"

  "- Some platforms offer insurance funds or over‑collateralization for added safety." => "- 部分平台提供保险基金或过度抵押以增加安全性。"

  Drawbacks bullet list.

  "- Counterparty risk (especially with centralized lenders)." => "- 对手风险（尤其是中心化出借方）。"

  "- Smart contract vulnerabilities in DeFi lending." => "- DeFi 借贷中的智能合约漏洞。"

  "- Interest rates can fluctuate sharply with market demand." => "- 利率可能随市场需求剧烈波动。"

  Next

  Affiliate Programs: Earning Commissions by Referring Users

  => ## 联盟计划：通过推荐用户赚取佣金

  What Are Crypto Affiliate Programs?

  => ### 什么是加密货币联盟计划？

  Paragraph: "Many exchanges, wallets, and DeFi projects run affiliate (or referral) programs that pay you a commission for each new user who signs up using your unique link and completes a qualifying action (e.g., trades, deposits, or stakes). Commissions are often a percentage of the user’s fees or a flat bounty."

  Translate:

  "许多交易所、钱包和 DeFi 项目会运行联盟（或推荐）计划，当新用户通过您的独特链接注册并完成合格行为（如交易、