Where to stake stablecoins during bear market?

Hi reddit, i'm looking for a way to stake my stablecoins for passive income during this bear market. Anything within 4-10% APY would do good. Must not be locked, means i can swap it back anytime etc. Not trying to lock funds for months or deal with complicated unstaking periods , just want something flexible where I can pull out when needed without penalties or waiting weeks.

If you're using anything reliable right now that fits this, drop it below. Also curious if you've had any bad experiences with platforms that looked good at first but turned out to have hidden lockup terms. Thanks.