If You Had $1 Million in Cash, How Would You Manage It?

This question recently sparked a buzz in crypto communities, leading a wave of viral posts and “$1 Million Portfolio Challenges”.

Recently, a post discussing how to manage $1 million in cash sparked a lively conversation within crypto communities, leading to viral posts and the “$1 Million Portfolio Challenge”.

As interest in crypto continues to soar, it’s no surprise that this question would generate buzz. With the potential for high yields and DeFi protocols offering innovative ways to generate passive income, it makes sense that people are thinking about how to best put their assets to work.

But here’s a liberating truth: you don’t need a million dollars to start building passive income.

With as little as 100 USDT, you can begin allocating your assets to HTX Earn, a flagship yield product from HTX, a leading cryptocurrency platform.

Here’s how to get started with two of the hottest new products from HTX Earn:

Join the 180,000+ users already farming multiple tokens by investing $HTX in HTX Launchpool. Participation is simple: open the HTX App, tap “More” on the homepage, navigate to “Activities and Rewards” for “Launchpool”, and tap “Subscribe” to earn both token airdrops and passive income.

If you’re a conservative investor holding primarily stablecoins, HTX’s USDT and USDD Earn products offer attractive APYs up to 6% with flexible terms (daily liquidity is available).

These low-volatility products are rapidly gaining attention and are forecast to maintain current APYs for the next month—a rare combination of low risk and high yield in today’s market.

HTX offers competitive staking yields on major PoS assets. This includes SOL (currently 4.61% APY, higher than the industry average) and ATOM (10-15% APY, with limited-time bonus rates).

Whether you’re a Solana or Cosmos believer or simply seeking exposure to these ecosystems, staking through HTX enables you to earn passively while supporting ecosystem growth—a true win-win for holders.

Best of all, you can participate with just one click, earning rewards simply by holding tokens and actively contributing to the development and community of the ecosystems.

For users seeking tactical yield in volatile or sideways markets, HTX’s advanced suite of structured products provides powerful tools:

These strategies reward users who take the time to understand their mechanics, and in a flat market, they can deliver meaningful performance.

Why HTX Earn?

Final Thoughts: Build Passive Income Even You Don’t Have $1 Million

The virality of the “$1 million crypto portfolio” post showcases a broader trend: users are placing more emphasis on strategic asset allocation and generating sustainable income with crypto. HTX Earn is built precisely for this user type, whether you’re managing $100 or $1 million.

You don’t need complex strategies. You don’t need to monitor 10 different protocols. Just open the HTX app, go to the “Earn” tab, and pick the product that matches your style. Let your assets work for you. Let your income grow while you sleep.