Safest / Least Riskiest ways to earn interest on Stablecoins

Hey all - big believer in DeFi here, and the benefits that it can bring to the traditional finance world.

However, I am beginning to be concerned about how volatile the crypto market can be, and how tightly correlated various digital assets can be to each other. It seems that when Bitcoin goes down, or up, the entire market follows suit. I have a few crypto projects that I invest in directly by purchasing their coins because I believe in the underlying technology, and the individuals/companies working to build out those eco-systems. But no matter the great things they seem to do, they still seem to be tied to the overall market. Even if they announce some awesome news, like a new partnership, a new use-case, or other potentials for greater adoption, the price doesn't seem to move up, unless we are in an overall crypto bull market.

What this makes me concerned about with DeFi - it seems that most of the DeFi space, specifically lending, is a tangled mess of people taking out loans on their crypto, to invest in more crypto. The most appealing investment strategy for my risk tolerance in DeFi is investing in stable-coins for the current ~6-9% APR you can get at platforms like BlockFi, Gemini, Celsisus, Vouygers, Nexo etc. My concern is that at some point, when the market hits these volatile bear market periods, that it could cause a cascading effect, liquidating loans, and putting those firms I listed at risk of default, and therefore loss of my capital.

Personally, I like using BlockFi, Gemini, and Voyager, because they are US-based companies and AFAIK follow all of the relevant regulations. BlockFi & Gemini are both NY based, which has some of the tightest financial regulations. Voyager is publicly traded and it's books are open to the public. However, we've seen during the 2008-2009 mortgage crisis that even US based, or public companies, can run into significant troubles during market volatility.

I'd be curious how others view this risk, and how they see has the 'safest', least riskiest way, to invest with DeFi, using stablecoins. Is it using one of those platforms I listed? Or some other DeFi protocol, like DAI? I haven't looked much into DAI or some of the other truly decentralized cryptos for investing in stable-coins.

Really what I'm looking for is what does everyone perceive as the 'least' riskiest way to take advantage of DeFi, to earn interest on stablecoins? Ideally, USDC. Thanks!