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3% to 6% per month?
This is a ponzi. Omg. I didn't know DEFI were like that.
I recommend everyone to stay away of any of this. Those projects are certainly going to disappear with all the money anytime soon.
You can get more realistic interest rates here:
https://www.binance.com/en/lending#lending-demandDeposits
I donot think ponzi is the right word here.
You are shilling a centralized exchange and you are questioning DEX. These are not high returns in DeFi if you had checked what other projects like sushi promised. These are all realistic returns based on the volume being generated by these DEX.
Binance does not have such huge volumes therefore it is unable to match those returns.