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if you're borrowing you're gonna want to use a DeFi protocol -- AAVE. The interest rates are low, i've never seen them above 4% and they're usually below 3%. there's very little risk of it going tits up because its all algorithmically driven, there's no shady company behind the scenes doing whatever they want with your funds. your funds are safe in the protocol.
for lending....instead of lending, you're much better off to hold USDC on coinbase. 4% interest currently. its coinbase, there's essentially no risk.
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