I do not have much experience about staking or lending bitcoin, but I think all of those processes would involve you handing your assets over to a third party.
Whoever owns the keys, owns the coins, and it would be impossible for a third party to pay you interest for coins you still hold. You will have to give up self custody, if you wish to gamble on the possibility of earning an interest.
One of the risks that you would really able to bare it out if you are really serious on getting some interest out of your coins but in general and sensible speaking then volatility alone would really be enough
on making those coins you have stored would earn significant interest but well its not an assurance since it could go on to other side of things even though it wont really be that much preferred for those
who do like on earning interest on fixed manner but you would need to entrust these funds on a third party which I would say a risky thing to be done.