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I use the rates from https://compound.finance/ and have tested their smart contracts. Seems quite good. But there are still may limitations to this. First they can update the code within a 3 day locktime. This means that if you have some significant money in there you need to constantly check if they upload malicious patches. Second there is the oracle problem that is not really solved in a fully satisfactory way.

I won't be sticking my head into this for now ;)