Where to lend my Crypto? Celsius, Blockfi, Hodlnaut, Nexo, or...?

I've been struggling to find the best lending platform to earn passive income. I went over Google, YouTube, and Reddit and didn't get what I wanted. The question is, on what criteria can we compare these lending platforms? -Interest Rates, Safety, Fees, Coin Cover, Payout, or else? You mention please. Here are the questions: Which platform offers the highest rates? APR or APY? Which one is the safest? Why? For each coin, which platform is the best to lend?Has any of these platforms been hacked before? Which ones offer free withdrawal fees? or charge less? I'd appreciate your honest comments. I hope at the end, we can all finally make a conclusion.