Are those interest account legit? Isn't it risky to use those services. Do they actually pay you? Since those are centralized services, there is a very good chance that they will be able to deny you any payment. And they could easily exit scam. They may show excuses such as they services were hacked and so on.
And is cloud mining still a thing? I thought they were all dead. You either make nothing from them or they end up scamming you. I still remember most of the cloud mining services were just ponzie schemes and nothing else.
Interest account in some platforms that I know of like Nexo or btcpop seems legit.
But not using those platforms as I'm only using binance for earning purposes like their flexible savings and locked stakings.
I am more confident using binance services as they have SAFU in place.
Also, exit scam in BNB is not likely to happen. And if they will be hacked, they have insurance.
And with regards to cloud mining, don't think it is still a thing today.
Most cloud miners realized that they are only being screwed by these cloud mining companies.