Searching for a passive income

Hello Guys, I need help as I am in between choices right now. I’ve been holding my BTC and ETH for quite a while, but the market seems bearish . I’m seeking options on how to maximize my assets. However, I did some research and learnt that being early adopters on a futuristic project , you get to benefit the most.

I saw various lending platforms and also a thread that Toad.Network protocol offers 13% APY with an NFT/DeFi crossover roadmap that I’m not sure about. I need advice on which to choose and invest in. Should I utilize the lending platforms or go for Toad Network and earn passive incomes as I’m already into the whole NFT world?