Platform acting as a mediator between lender and borrower and charging few percentage of interest as fees may not be the best idea when it comes to cryptocurrencies. It may be difficult for platform to realize the value of collateral in the event of non-payment of loan by the borrower. There can be hundred of other complications because everything is digital.
So you shouldn't put your crypto holdings in such area especially when the retaining period is as high as 12 months. Better try investing in bankroll of genuine crypto casino (although profit-sharing is not high but acceptable rather than keeping funds idle), or try PoS. There are many good PoS coins which are growing consistently and paying good percentage to validators (however, you have to stake large amount of funds). If you are not happy with these options, better go for trading. Keep you ears open to market news, keep yourself regularly update with market movements but invest occasionally whenever there is clear chance of making some good bucks. That's the best way you could earn in trading as a newbie.