Please don't be so wreckless in your passion(s). And:
HODL
I have a heatpump, but why?! /s
None of the stable coins have gone through a full thorough audit done by a reputable company, thus it's safe to assume they are not fully 1:1 backed and thus it's a ticking time bomb.
30% interest rate sounds like a pyramid scheme. If something sounds like a scam, then it probably is a scam, since it's crypto, then it's most certainly a scam
Tokens should be viewed like stock. The team behind the token has a pool to fund their network / app. Different products in the decentralised finance space (DeFi) incentive usage by handing out their tokens (stock) to people who provide value to their product. In DeFi this is usually by becoming a liquidity provider (LP), providing your own assets to their protocol in return for a fee and incentives.
This makes logical sense for the team, because the most common metric for valuing an app is "total value locked" (TVL). The more TVL an app or network has, the more usage and value it has, which typically translates into increased value for their token.
There are way too many protocols to list. Checkout Velodrome as an example of a very high APY protocol https://app.velodrome.finance/liquidity?sort=apr&asc=false
Everything you described about LPs, TVL, and token value; you are just describing the mechanics of the ponzi scheme, not describing the way in which it isn't a ponzi scheme.
If you are getting "interest" over 20%, what you are doing is extracting that money (which isn't real until you turn it into fiat, btw) from the people in the future who lose money when the scheme inevitably crashes; they are transferring their future losses backward in time to you in the present.
That's fine as far as it goes, if you're aware of what's going on, ethically comfortable with it, and make sure to get out of the scheme early enough to not yourself be one of the people left without a chair when the music stops.
But from your comment, I think it seems like you aren't one of the people cynically taking advantage of the scheme, in which case, you are actually one of the marks.
It is simply not possible for a scheme that is above board to pay over 4x the prevailing global interest rate, without significant risk.
