I currently use two things. Cubfinance and crypto.com.
Some people might argue about going for a decentralized option but I don't think a proper DeFi still exists and even if it is there it is being controlled by an individual or a group of individuals which is not decentralized in my opinion.
I don't mind using some centralized options for good APY. That's why I have started using Crypto.com. They give better APY compared to others for USDT. I might as well use Binance in the near future.
After HF25, I guess I will also go with keeping HBD in savings if the interest rates are 10-20%. That can give some sort of satisfying decentralization to my funds.