I see some populer coins like sovryn are lending coins. That is there project. And you will get some procent back.
How can a lending system work in a decentralized system ? Why would anybody pay back its debt?
If you are going to lending system, it is better to do crypto trading rather than this thing. It wouldn't give any benefit from you and yet
it will only give you hurt in the long run for sure. But this is just my advise and tips for you if ever you wanna go on this. But if you want to share this to some of your friends it is all up to you.