@Firmian 1 May 2021 more from that month

Not your keys, not your coins. This saying also is valid against lending out of coins or staking coins at DeFi ... If something goes wrong you don't own the coins anymore, but just a title against someone to give "something" back to you. Good luck trying to find a court that could help you. Only coins that are in your cold wallet are truely safe. If you can stake them on their own, like ADA, XTZ or FTM they'll earn you coins while owning them. If you stake on an exchange or any DeFi, you own a title, that they will keep "good care" of the coins and return them to you, when you want it. If they don't, because they are broke or fraudsters you're f*cked. So stay careful and do not put in your whole fortune into one project, no matter what the APY says. Good luck!