There's always risk when lending your crypto. Companies like BlockFi and Crypto.com will attempt to minimize that risk through extensive security features, insurance, screening of borrowers, and requiring high ratios of collateral from those taking loans. However, there is no guaranteeing that factors beyond their control, either market crashes or security breaches, won't result in a loss of user funds. In the end, it's up to you to decide whether the risk is worth the reward.