If you have some coins then start lending with proper collateral. This will give you some profits on your bitcoins and quite safe method.
True but you need real qualification and filter, to filter out scams.
Dont lend to anybody below JR level, and the collateral has to be of equal or greater value than the loan.
Greater value, and altcoins are risky. There have been multiple cases where someone takes out a loan with 120% collateral of an altcoin, it plunges, and they default on the loan since they have more than they'd get taking the alts back.