Also, does 3 to 4% APY sounds interesting? no its not.
I think it might be helpful for those who invest in crypto for a long time. In this case those investors will not get any interest if they do not lend it. And the purpose of this investment is not interest. Purpose of this investment is increasing the rate of these investment (crypto). So, if the site is legit then it is not a fact what is the interest percent is.