DeFi lenders pay high rates because borrowers use crypto as collateral for leveraged trading. High borrower demand = high lender rates.
Aave is the safest option. Deposit USDC. Earn 4–8% APY depending on current demand. Withdraw any time. 5 years, no exploits.
Provide USDC+USDT+DAI to Curve's 3pool. Earn trading fees (~3–5% APY). Very low impermanent loss since all 3 assets track $1.
Even USDC can depeg briefly (March 2023 banking crisis). Smart contracts can have bugs. Never DeFi with money you need for emergencies.
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