If you want immediate income I'd recommend you pay attention to staking. Consider new projects like Waterfall Network, currently, they give 115% APR, one month ago it was about 150%. In my opinion that is one of the best ways to get passive incomes in crypto
I never heard about waterfall network, is it lending platform for staking or any centralized exchange? staking is not an immediate income because you have to hold a minimum days like 7 days, 15 days, 30 days and a year, and staking is too low profits scheme. But if you will stake in unknown lending platform, might be you lose everything.
I do agree.
CEXEs also have not-so-bad staking protocols and offers for stables, but they are, as you said, not so profitable if you don't have enough funds
Didn't hear about Waterfall as well, maybe it's worthwhile to see it and analyze whether it's safe or not.