There is no such thing as risk free 20% APY. Risk/Reward is a fundamental law of finance. The higher the APY, the higher the risk. There's a reason AAVE's yield is so low. Most good stablecoin yield you can find floating between 4-14%. If it's higher, it's almost always boosted with temporary rewards that are not sustainable. If it's 20% APY and NOT boosted with temporary rewards, I'd be wary.