The prizes for Swym come from the sats forwarded to lending partners, which are all custodial models that offer lending and interest accounts like blockfi, celsius, etc. I'm hopeful that offchain breakthroughs present more censorship-resistant options going forward because blockfi aint it! lend.hodlhodl.com seems promising, some others using liquid, and atomic.loans offering non-custodial yield with dlc's paint me optimistic.