Crypto savings are working on DAI stable coins. DAI is a cryptocurrency designed to have a value of $1. It operates in a completely decentralized way, that is, without having to trust anyone. Users can save as much DAI as they want and there is no limit to this amount. You can save 1 DAI or 10,000 DAI or whatever you want.
Loans backed by collateral
If you believe that the value of ETH in a year will be 100% higher than it is now, it would be wiser to borrow money using it rather than simply hold it. If its value actually rises 100%, it is obvious that you will get profit if you pay loan interest of lower than %100 and repay it before one year passes. Unlike a credit loan, after you repay interest, you will get back the collateral that you pledged. And the loan interest rate at Alice is 10% ~ 20%. It would be wise to lend if you expect higher rises!