PS. I would like to lend out my money, not borrow.
Wrong way round. The only reason to use P2P crypto is to steal it from the lender.
It's a concept that cannot work. Irreversible, quasi anonymous and internet is about the most toxic combination imaginable, and that's before you get to the amateurishness of the websites offering to help you hang yourself. The lending section on here is a fucking joke so forget about that too.
The only vaguely safe way to get a return on your crypto is to add to a casino bank roll or lend out on exchanges for leverage trading. Those are very risky too but an order of magnitude less hopeless.
Scrub the idea from your mind.
Completely.