La estrategia 'cripto' que da rendimientos de hasta el 10%

Crypto staking is gaining popularity and involves locking up cryptocurrencies in a wallet to support transaction validation. More strategies are emerging to maximize investment returns in crypto, beyond its own price appreciation. Staking is becoming increasingly popular among crypto investors, with some experts believing it could compete with traditional bank deposits, albeit with the inherent risk of the crypto market.

Crypto Finance, a Deutsche Berse crypto service provider, explains that staking involves temporarily locking up cryptocurrencies to help a blockchain network function properly. In return, users receive rewards in the same cryptocurrency. While Javier Pastor, Bit2Me's Institutional Training Director, doesn't see staking as a threat to bank deposits due to its nature, it is driving more competition for saving.

It's important to differentiate staking from tokenized deposits, where the passive remains a bank issuer and its remuneration is a fixed interest rate set by the entity. In staking, investors retain ownership of the crypto asset and participate in network security, with rewards depending on the protocol's economy. Annualized reward rates for major protocols range between 3% and 10%, according to Vander Straeten.

Bit2Me offers returns between 6% and 8%. However, a 6% return on a crypto asset is not equivalent to a 6% return in euros, as you could increase the number of cryptocurrencies owned and suffer a decline in the asset's value against the euro. Investors must analyze the reward and market risk together, emphasizes Pastor. Additionally, gross yields are subject to operational costs, including custodial and validator management expenses, which reduce the net profitability that the investor ultimately receives.

These rewards are valued at market value in euros at the time of receipt and are considered equity returns in Spain, subject to progressive tax rates ranging from 19% to 30% for higher amounts, according to Vander Straeten. As cryptocurrency access for retail investors has expanded through major platforms since 2024, offering staking services to specific clients in the US in 2025, staking is primarily being driven by firms placing their native assets in return-generating strategies, ETF issuers incorporating staking mechanisms when regulatory frameworks allow, and asset managers using regulated custodians, as noted by Crypto Finance's CEO.

However, institutional investor entry is still dependent on regulatory clarity from frameworks like MiCA, enabling risk-averse investors to access the market through audited and regulated infrastructures. The benefit of this mechanism is obtaining returns on an asset that would otherwise generate no performance beyond price fluctuations, according to Stable Mint CEO James Bennett.

The downside is that rewards are paid in a volatile token and assets can be locked for a certain period before they can be sold.