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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
But there are also reliable coins that will not disappear in a few years, as you said. Most of the new projects that open now can quickly disappear with investor money, but the older projects, I think, are interested in promoting the DEFI world, so you can find reliable projects from all this for staking stablecoins.
The same Uniswap, liquidity can be supplied there, in many pairs with stablecoins, the interest rates are certainly not the highest, but there is no need to doubt the future and permanent reliability of this project.