Have you considered POS (Proof of Stake) coins? There's not much risk because you always hold the private keys.
Nexo does this and pays interest for staking their coin (last two payouts worked out to just over 12% p.a)
Celsius Network is similar to Nexo, but Nexo currently only allows stable coins while Celsius allows a bunch of major cryptos. Good %'s PA. You can either earn in-kind (deposit BTC, receive BTC) or you can earn in their crypto CEL (better rates for this). They also have the cheapest crypto backed loans. The Cloud Token wallet is very also good. 6-12% per month or double that depending on how much you put in.
Native tokens of the various investing/lending platforms available by market cap/24h trading volume (USD), please add to the list. These tokens offer high % returns to depositors, interest is either simple or compounding, and they have varying calculation periods which does make a difference. DYOD, the lower the 24h volume the more susceptible the token is to moves by large stakeholders. CRO $363,379,961.00 $11,958,459.00 NEXO $48,253,047.00 $7,914,141.00 CEL $17,808,305.00 $16,036.17 AMN $608,291.00 $522.99
Coinbase has done it for me, it's not thorough but it's handy for research, TUSD as an example: https://interest.coinmarketcap.com/currencies/trueusd
This is a good resource for decentralized (blockchain based) lending services. https://defipulse.com/defi-lending Or https://defipulse.com/income Or https://loanscan.io/ compound.finance is the largest one - but there are others. I guess the benefit is that it's transparent the contracts are all readable. I notice there is also idle.finance which automatically swaps between fulcrum and compound to make sure you have the highest rates. Once again all smart contract based and auditable. Interest rates seem to be all depressed, returning 5% annualized. A month ago it was around the 10% and I've seen it as high as 15%. Total amount borrowed has been going up so I guess there's just a flood of people trying to gain a bit of interest. I use compound. I'm looking at switching to idle to try and take advantages of the fact that fulcrum is giving 50% more interest. Just holding off for a little while in case a bug turns up. I do like the fact that your investment is represented by its own token, for example cDAI, and is tradeable. In terms of staking there is also synthetix.io. You get a cut of the trading fees and also extra tokens as a return, however the latter is locked for 12 months. Fees give you are about 6%. The extra tokens are a lot lot higher and act as an inflationary measure. This is much higher risk than compound and much more technically difficult. For example - at the moment demand is keeping token prices stable/increasing despite the fact that there is an inflationary measure which I suspect is driven by the fact that you are locked for 12 months. I do have a portion of my portfolio in this, but I won't be allocating a significant proportion. I also maintain a float of their silver and gold stablecoin.
