Coinbase doesn't have any lending products. Aside from one that will give you USD as a loan for holding your BTC as collateral which isn't the same thing. They

Coinbase doesn't have any lending products. Aside from one that will give you USD as a loan for holding your BTC as collateral which isn't the same thing. They do offer staking but that's the not the same either. Return is generated from the networks themselves - like with ETH they are offering 4% APY after a 25% cut. That seems completely fine.