If you own some bitcoin, you may be tempted to hold on and hope for the best. That may take a while, since bitcoin and other cryptocurrencies have slipped into a bear market — bitcoin is off more than 28% from its record high, recently trading around $47,500.

But some owners of cryptos aren’t just banking on higher prices. They’re acting like bankers themselves, handing their holdings to lending companies and pocketing interest on loans. Lending bitcoin can generate annualised yields from 3% to 8%. Yields on smaller altcoins reach double-digit rates. And stablecoins like USD Coin — designed to maintain a fixed $1 value — may earn 10%.