Isn't these lending options completely centralized, and requires KYC? Not touching that, that's for sure.
I'm staking Blocknet at 16% annual profits, which beats most of those lending programs by a long shot - That's not even considering that the price of BLOCK recently doubled, and seems to continue on a bullish trend due to their incredible DEX developments, and decentralized oracle services.
There are tons of stakeable projects out there, and I believe it's pretty safe to enter at these prices, since most projects have bottomed out completely, making room for massive gains.