With everything written in previous posts, I can only add that making money by lending cryptocurrencies is completely contrary to the whole philosophy on which they were created. If we stick to the golden rule "not your keys, not your coins", then it's crazy to think about lending at all, although 8% a year sounds really tempting - but as @JeromeTash has already noted, it’s insane to risk $100k to get $8k after one year.

Long-term investment in Bitcoin (and a few more altcoins) has proven to be more than profitable, and you don't have to risk anything - my keys, my coins, my profit.