If you are referring to Gemini Earn, they take your GUSD (or other currency) and take a spread then lend it to Genesis, who takes a spread and then lends it to big institutions. None of this is insured.
My attempt to read this potentially important article on my iPhone X was murdered by four successive layers of popup screens asking for cookie consent, then a subscription, then 2 advertisements.
Anyone interested in RPGs owes it to themselves to apply for a character on Arm. One of the best and most seriously-undertaken computer games of all time.