Is the interest in case of lend actually risk free? The savings account was heavily regulated and insured so that even if the bank went out of business you woul

Is the interest in case of lend actually risk free? The savings account was heavily regulated and insured so that even if the bank went out of business you would get your money back (up to a certain amount). What kind of emergency measures are in place to ensure that Lend costumers see their money again if coinbase goes out of business?