Why would anyone want to lend their coins to an exchange? I'm guessing that this is not P2P lending at all but rather "give us your coins and we will pay you interest".
There are literally no protections for you if they happen to default, since most likely you waive them all away in the Terms of Service. Lending should be done your own terms, not theirs.
By keeping my funds in bc vault I got good rate of interest and I liked it actually. But then when I couldn't withdraw it in time whenever I want I considered it's not right thing to keep in any casino or in exchange by knowing about the default exchanges.
The way we get interest from banks (deducting tax ) in crypto we don't need to pay tax which is good thing to lend crypto itself is what I thought but the point is there isn't any 100% safe lending platform in crypto world.