Reliable crypto savings — is passive income still realistic?

I’ve been looking for a way to make my crypto work passively without jumping into volatile trading or staking on risky platforms. Some services now offer daily compounded interest simply for holding assets on their balance, claiming transparency and flexible withdrawals. Supposedly the rate can reach 12–14 % per year. Has anyone actually tried such “coin holding” tools? Are payouts consistent, and how do they ensure stability without exposure to DeFi risks?