Interest Rates for holding Dai in Oasis App

Hi All,

I’m not sure if i understand this correctly but i was looking at locking up some Ethereum so i can earn interest on some Dai, but the interest rates are lower than what you would get in Crypto.com or Blockfi. I know they are not decentralised but i don’t see what the incentives are locking up your Eth for such a low interest rate?