This is not a good way to earn interest. Basically you need to own the underlying and what happens if it loses 99% of its value? There are way too many scam tokens out there which promise 100% APY to get people to buy them and then they lose all their value. Compared to the two I rather just keep it inside a bank earning nothing rather than lose 99% value.
If you want to stake do ETH or lend your stablecoins on a regulated exchange. Use 2fa and white listed addresses and be smart about security. Much better than the token he mentioned.
It is a fact that if you invest in scams, whatever you do, your money is gone.
Also, when something looks to good to be true, it probably is. There are some, but very very few, that will promise you 100% APY+, and are not scams.
But there are much more good projects out there than ETH (with all respect to them) or Stablecoins to stake.