I am using crypto.com, BlockFi and Celsius Network at the moment, they all provide various interest rates.

• I like celsius because they provide compound interest rates
• I like BlockFi because of the team behind it, I think they have big plans
• I like crypto.com because of their roadmap, I hope global cards and non-custodial smart contracts will be available soon

I agree, I think governments and institutions will also be buying in the near future and price out retail whole coiners so gotta get while the getting is good