Analysis of popular online earning application ecosystems on mobile phones in Vietnam in 2025

After the COVID pandemic, digital business models have become the main trend in the economy. With a smartphone, anyone can participate in profit-generating activities — from completing simple tasks, engaging in stock trading, to opening online retail stores. Making money online from home using a phone is no longer an unfamiliar concept but has become a part of daily life for many Vietnamese people.

Online earning platforms: Three main models

The current market offers three basic types of money-making applications, each with its own characteristics and requirements.

Model 1: Task completion apps

This is the most popular form with the lowest entry barrier. Users do not need initial capital investment, just free time to perform tasks such as filling out surveys, inviting friends to download apps, watching ads, or answering questions. Each completed task rewards from 5,000 VND to 100,000 VND depending on complexity.

Advantages: Easy to start, no specialized knowledge required, suitable for students or those with free time.

Disadvantages: Low income, time-consuming, high risk of viruses and personal data theft.

Model 2: Financial investment apps

This is currently the fastest and most effective way to earn money. These apps allow users to trade on financial markets, including stocks, cryptocurrencies, commodities, and global indices. Returns range from 4%-7% for bank savings, over 10% for international financial investments.

Advantages: High profit potential, time-saving, diverse asset options.

Disadvantages: Requires initial capital, knowledge of financial markets, transaction fees from 0.01%-0.03% of transaction value, high risk of capital loss.

Model 3: E-commerce apps

Sellers can open online stores with low initial investment, only needing actual products to sell. Income depends on market demand and seller’s business skills. Trading platforms usually deduct 5%-20% commission from each sale.

Advantages: Unlimited income, flexible pricing, suitable for entrepreneurial-minded individuals.

Disadvantages: Need inventory to sell, frequent customer interaction, high commission fees, business risks.

Detailed comparison of the three models

Analysis of main applications on the market

International financial investment apps

International investment platforms provide access to over 100 asset types including stocks (Apple, Tesla, Amazon), stock indices (S&P 500, FTSE 100), cryptocurrencies (Bitcoin, Ethereum), and commodities (crude oil, gold). The main advantage is using leverage to amplify profits — when an asset’s price increases by 1% with 1:10 leverage, profits increase by 10%. Free demo accounts allow beginners to familiarize themselves with the platform before investing real money.

How to earn: Choose an asset to invest in, predict price trends, place a trade order, and take profit when the target is reached.

Vietnamese stock trading apps

Licensed by the Vietnam Securities Commission, these platforms offer user-friendly trading apps with fast order matching. Users can invest in Vietnamese stocks like Vinamilk, Masan, Vingroup. Leverage is usually 1:2, lower than international platforms, so a 1% price increase yields only 2% profit.

Advantages: Strict regulations, transparency, suitable for conservative investors.

Investment fund apps

Designed for those without deep investment knowledge. Users deposit money and let professional funds invest on their behalf, then share profits. Yield rates range from 5%-15% per year — lower than self-managed investments but safer.

E-commerce platforms

Major trading platforms in Vietnam allow quick store setup with simple procedures. Large platforms often run promotional sales policies to attract customers. Sellers just need to upload products, connect with buyers, deliver goods, and receive payments.

Transportation service apps

Ride-hailing apps offer cashback programs (cashback) when completing certain tasks. For example, completing 5 rides can earn back 20,000-50,000 VND into e-wallets. This is considered more of a promotional activity than a direct income source.

Risks to be aware of

The popularity of online earning has attracted many scammers exploiting users’ trust to carry out fraudulent activities:

Fake apps: Investment platforms are often counterfeited or created by unlicensed financial companies to steal deposits.

Viruses and data theft: Task completion apps may contain malware designed to extract personal information from phones.

Capital loss: Financial transactions always carry the risk of losing all or part of the invested capital if not managed with proper strategies.

Protection tips:

• Only choose officially licensed apps (verified by regulatory authorities)
• Read reviews from real users on app stores
• Avoid apps requesting excessive permissions to phone data
• Never share login details or verification codes with anyone
• Start with small amounts to test platform reliability

Conclusion

Making money online from home using a phone is an inevitable trend of the digital age, but success depends on choosing the right model suited to each individual’s circumstances and goals. Those with free time can start with task completion apps. Investors with capital and a desire to grow assets should consider financial investments. Entrepreneurs can harness the potential of e-commerce.

Regardless of the chosen model, the most important thing is to acquire knowledge, be aware of risks, and always verify the platform’s credibility before participating. The world of online earning is full of potential but also hidden traps, so caution and thorough research are key to success.