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Do you know the safest way to stake stablecoins without breaking the bank? Also, do you think it's worth it? Or should I consider other options? Any suggestions and/or recommendations would be greatly appreciated. Thanks in advance.

There are a lot of platforms with this right now, you can use some platforms that are reputable, with high total value locked (TVL). Just like AAVE lending (
https://defillama.com/protocol/aave)
I am glad that you are interested in Decentralized Finance (DeFi) because there are a lot of people that want to use the centralized exchange to stake their stablecoins compared to using decentralized finance (deFi).