Does Zcoin allows people to stake in their wallets or masternode is the only option?
If yes, what is the expected PoS stake rate?
Masternode but many exchanges pay you masternode rewards if you keep the coins on the exchange. There are also groups where you can buy part of a masternode but you have to be careful as there are many scammers who cheat people.
Both is big time risky. Keeping coins on exchanges is a big NO and joining shared MN is also a big time questionable. What do Zcoin holders specifically use if they have under 1k? Could you please list a few examples?