Can I make money from adult content without getting naked or having sex?
Potentially, yes, but it helps to separate four completely different limits.
You might be comfortable with sexual or fetish content while keeping clothes on. You might be comfortable nude but not doing anything explicitly sexual. You might be comfortable making solo explicit content but not having sex with another person. Or you might be comfortable with all of that as long as your face stays out of frame.
Those are not versions of the same boundary. They lead to different kinds of work.
If you do not want nudity, there are still lingerie, glamour, teasing, fetish styling, certain kinds of roleplay, feet content and other non-nude formats. The fact that a buyer experiences the material sexually does not magically turn it into ordinary fashion modelling, so be honest with yourself about the context.
If nudity is fine but partnered sex is not, that opens another set of options: nude photography, erotic photography, solo nude video and other material that does not involve another performer.
If the real issue is another person rather than explicitness, solo creator work can be highly explicit without any co-performer at all.
The commercial question is whether enough people want your particular version of the content to support whatever business model you choose. Less explicit does not automatically mean less valuable, but it may mean personality, visual identity, niche or an existing audience has to do more of the work.
One trap in subscription work is assuming that every successful step needs a more explicit next step. Lingerie sells, so now topless. Topless sells, so now explicit. Solo sells, so now partnered.
Maybe that is exactly the direction you want. Maybe it is the opposite of why you started.
A niche can be built around a limit just as easily as around escalation. The useful question is what you can keep making without resenting your own business.
Photography can also remain completely separate from explicit performance. Someone interested in lingerie or nude photography can enquire through Models without agreeing to sex scenes. Explicit casting is a different route.
There are also niches where the limit itself becomes part of the appeal. A creator who never shows her face, never goes beyond lingerie, or only produces one specific fetish can be easier to understand than somebody who offers everything. The audience knows what world it is entering.
That can be commercially useful because boundaries and branding do not always fight each other. Sometimes a clear ceiling is exactly what creates the identity.