How to Generate Passive Income with Apps in 2025: The Complete Guide to Creating Multiple Income Streams

Working inside an office between 9 am and 6 pm is no longer the only (or better) option for many people. In 2025, technology and digital platforms enable anyone to turn free time into money flexibly and autonomously. With a smartphone, it is feasible to build multiple income streams — whether investing in the financial market, creating viral content, or selling products as an affiliate. This article explores 10 of the best available platforms to make money, categorized by activity type, so you can choose the strategy that best fits your profile.

Investments and Trading: Opportunities in Variable Income

For those seeking to profit from price fluctuations, there are modern platforms that democratized access to the financial market. From currencies to commodities, it is possible to trade various assets via mobile.

Mitrade: Simplified CFD Trading

Mitrade stands out as an intuitive platform for those who want to operate in the market in an accessible way. It allows trading contracts for difference (CFDs) on gold, global indices like NASDAQ and NAS100, Bitcoin, Brent crude oil, and other assets without physical purchase. The platform operates under regulation by international agencies (ASIC, CIMA, FSC) and offers advanced charts with comprehensive technical analysis tools.

Main features:

• Real-time trading with quick execution
• Minimum deposit of $5 USD to start
• Access to multiple asset classes on a single platform
• Withdrawals via Visa, Mastercard, Worldpay, Poli, Skrill, Neteller, or bank transfer

Market data: Gold (4,461.47), Silver (78.308), Platinum (2,323.94), WTI (58.404), Brent (62.34) — all with slight variations over the period.

IC Markets: Professional Short-Term Trading

For more experienced traders, IC Markets offers an in-depth technical experience. The broker allows trading currency pairs, cryptocurrencies, stocks, indices, and commodities with competitive spreads and ultra-fast execution. It is ideal for those seeking short-term variable income through manual or automated operations.

Important: this mode requires strict risk management, as it involves high volatility and potential for significant losses.

Content Creation: Turning Views into Revenue

Video, audio, and text platforms offer multiple ways to monetize through engagement.

TikTok: Short Videos with High Earning Potential

TikTok has established itself as one of the most profitable social networks for creators. Through the Creator Program, it is possible to receive rewards based on views and interactions. Additionally, TikTok Shop allows monetization through affiliate links and commissions on direct sales.

Requirements and details:

• Minimum of 10,000 followers to activate monetization
• Withdrawals via PayPal or bank transfer (up to 30 days)
• Available on Android and iOS

YouTube: Established Platform with Multiple Income Sources

YouTube remains a reference in terms of stability and earning volume. With over 2 billion active users, it offers various monetization methods: AdSense (program), Super Chat and Super Stickers during live streams, channel memberships, and affiliate marketing.

Requirements: minimum of 1,000 subscribers and 4,000 hours watched in the last 12 months. Payment: via Google AdSense, usually within 30 days.

Kwai: Brazilian Alternative for Short Videos

Kwai functions as a vibrant local alternative to TikTok, especially popular in the North and Northeast regions. It offers monetization through the Creator Program (with payment per views), promotional campaigns, daily bonuses, and brand partnerships.

Payment method: Pix or digital wallets (up to 7 business days).

Medium Brazil: Monetization through Writing

For those who prefer to express themselves through texts, Medium offers a partnership program that pays based on reading time and subscriber engagement. Ideal for articles on finance, technology, entrepreneurship, or digital culture — themes that build personal authority.

Payment: via Stripe (international) or PayPal, with monthly processing.

Affiliate Marketing: Earn Commissions Without Creating Products

Affiliate marketing remains one of the most accessible models to build income with minimal investment.

Temu: E-commerce with a Robust Affiliate Program

Shopping platform that exploded in popularity in Brazil offers a rewards program where users earn commissions by promoting products on social media. Temporary campaigns often pay extra bonuses for clicks or sign-ups.

Payment: Pix, PayPal, or app credit, depending on the campaign.

Shopee Affiliate Program: Competitive Commissions and Reliable Structure

Shopee’s affiliate program stands out for its simplicity and reliability. It offers commissions of up to 28% per sale and allows promoting products on any social network (Instagram, YouTube, TikTok, Facebook).

Details:

• Free registration via website or app
• Automatic generation of affiliate links
• Bank transfer (Pix) within 3–5 business days

Freelance Work: Digital Services on Demand

For those who prefer to sell specific skills, freelancer platforms connect professionals with companies worldwide.

Workana Brazil: Leading Marketplace

One of Latin America’s largest freelancer marketplaces, connecting professionals in design, writing, digital marketing, translation, IT, and customer service with companies. Offers an escrow system that protects both client and professional.

Payment methods: Payoneer, bank account, or PayPal.

99Freelas: 100% Brazilian Platform

Interface in Portuguese with local support, focusing on direct connections between companies and independent professionals. Allows direct price negotiations with clients and processes payments in reais.

Payment: bank transfer (Pix) after client approval.

Criteria for Choosing the Ideal App

With so many options, the right choice depends on some factors:

1. Alignment with your skills Creating viral content, writing, investing, or selling — choose according to your natural talent to increase chances of success.

2. Reputation and reliability Prioritize platforms with good user reviews, a history of punctual payments, and responsive support. Mitrade, TikTok, Shopee, and YouTube have proven track records.

3. Payment structure Check available methods (PayPal, Pix, international transfer) before starting to avoid incompatibilities with your region.

4. Retention rate Different apps retain variable percentages. Compare net profitability before investing time.

5. Community validation Research real user reports, especially regarding deadlines and support quality.

Conclusion: Multiple Paths to Income in 2025

Earning money through a smartphone has become an accessible and scalable reality. Whether monetizing content on TikTok, operating on Mitrade, selling as an affiliate on Shopee, or providing services via Workana, opportunities multiply. The secret is to:

• Test different platforms according to your profile
• Monitor metrics and results consistently
• Choose apps that align with your lifestyle
• Maintain discipline, creativity, and focus on execution

In 2025, building multiple income streams is no longer a dream — it’s a viable strategy. With dedication, you can turn free time into recurring revenue and eventually into an independent digital business.

Final tip: start small on a platform that matches your talent, accumulate experience, then diversify among the apps to earn money from the ones that convert best for your work type.