Which exchange do you lend your cryptos to earn interest?

Hodlnaut - because it's the first exchange that I set up an account with.

Gemini - because I won $20 ETH from its giveaway contest, so I just use the Gemini Earn program.

I use Cakedefi, been receiving the rewards every 12hourly. The payout has been 80+% - 90+% APR.. So far so good.

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Here's my referral link for sign up perks ($30 worth of DFI) instead of the usual $20.

https://app.cakedefi.com/?ref=008130

I have invested a lot in Cake DeFI so what i am about to say is rather bias. I am also not a financial advisor so this is not a financial advice. Please do your due diligence.

I have tried all the platforms listed and the best earner is Cake DeFI for the cryptocurrency DefiChain (DFI).

There are a few key takeaways that had convinced me that DFI is the best crypto investment and Cake DeFi is the best service:

• Cake DeFi was founded by 2 reputable people in the crypto space, Dr. Julian Hosp and U-Zyn Chua. They have a rich history and you can find information about them in twitter and many other social media/blogs.
• Cake DeFi is based in Singapore, a major plus for the locals. Also Singapore has some of the best financial laws to protect investors.
• Their crypto lending services provide principal and returns that are fully guaranteed and risk-free with potential bonuses. CEO Julian made a Video about it: https://www.youtube.com/watch?v=SmNLtwma98k&t=5s
• DefiChain is based on bitcoin technology, forked from bitcoin. It is the only decentralised non-turing defi technology based on the world's most secure blockchain tech. DefiChain do only one thing and one thing well, to bring financial services on bitcoin tech. No NFTs, cryptokitties and casinos that bog down the network. To date, bitcoin remained unhackable. You can read more here: https://defichain.com/
• Cake DeFi recently burnt their own US$400 mil worth of DFI coins. This increases the value of DFI for all holders. You can read it here: https://blog.cakedefi.com/cake-defi-to-buy-out-external-investors-agree-to-burn-400-mil-usd-worth-of-dfi-coins/ and https://blog.cakedefi.com/coin-burning-event-and-implications/. They are really serious in ensuring success for DFI.
• DeFiChain Foundation was initially set aside as custodian for DFI for use towards adoption and development of DeFiChain. To achieve full decentralization of DeFiChain, DeFiChain Foundation burnt 265 mil DFI coins. These coins will be redistributed back as rewards for DFI POS miners. This is their wallet address: https://explorer.defichain.io/#/DFI/mainnet/address/dJEbxbfufyPF14SC93yxiquECEfq4YSd9L
• All transactions in Cake DeFi are transparent to you. Cake DeFi even releases quarterly transparency report to let everyone know how well the company is doing. Latest report is here: https://blog.cakedefi.com/transparency-report-q1-2021-2/. Name me one other company that have this kind of transparency. I say none.
• The Cake DeFi and DFI development team are some of the most dedicated and hard working, and the development progress and enhancements on DFI is among the fastest. Check out their upcoming features: https://blog.cakedefi.com/all-new-cake-defi/
• At the time of writing this, the DFI POS staking yield is 157% APY, Liquidity mining yield for DFI range from 108% - 122.25% APR for the top coins. Bear in mind that these yields can change and is not guarantee. The staking yield will gradually lower as DFI emission rate slowly declines following bitcoin strategy, but instead of halving it is on a gradual decline. What i personally do is i provide liquidity mining for BTC-DFI, LTC-DFI pairs and the DFI generated from liquidity mining is auto-staked. So i earned from both sides. If you do the math you will realise this is the best earner.
• If Cake DeFi ever go bust, you can always take back your crypto. If you have DFI you can store them in the DFI wallet and continue your liquidity mining and POS staking on your own. It is after all decentralised.

If you are interested to try, you can use my referral link here:

https://app.cakedefi.com?ref=737460

You can get $20 worth of DFI when you sign up and deposit $50 of crypto or more, and an extra $10 if you use my referral link.

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Promotion: From July 22, 2021, 12:00 CET to August 08, 2021, at 12:00 CET, use my referral link and you can get $50 worth of DFI. Read more here: https://blog.cakedefi.com/cake-defi-goes-for-gold/

It's better to use DeFi instead of CeFi

DeFi platforms like Yearn, Curve, Rari Capital, etc give you higher interest + you have full control of your fund

But if I really have to choose between your list, I'd go for more reputable players like Nexo, Celsius, Hodlnaut