lending? are you seriously? I don't think this is a safety measure. there have been too many great losses from Bitcoinnect and most of the other bad businesses. This is really not a good advice. Instead of having a lot of capital, we should do a mining or staking work. It's one of the most profitable ways out of the way you set.
Lending hype is over and most of the lending projects are scam and confirmed as a ponzi. So, i think nowadays no people are interested with lending except new people in crypto who don't know the history of lending programs like bitconnect and other ponzi scheme lending projects. Nowadays passive income from crypto is from staking , but with less profits. Most of them are just 15-20% per year which make sense compared to lending which can earn 1-2% each day.