To earn interest on crypto, we lend assets to highly vetted and audited institutional counterparties. The interest we are able to pay is based on the yield that we are able to generate from lending, which directly correlates to the market demand in the space (I.e. what rate institutions are willing to pay to borrow specific crypto assets, as it varies from asset to asset).
Our Risk and Finance teams review all of our counterparties' financials before they become a qualified borrower. Our lending arrangements are typically over-collateralized and allow us to margin call these counterparties on a daily basis. You can read about how we generate our yield for our interest accounts here. Additionally, here is a great resource to learn more on the intricacies of our crypto lending market.