As a yield-seeking DeFi user, which stablecoin lending protocol (Aave vs Compound vs Spark) has the best risk-adjusted APY and most reputable audits?

We ask the same underlying question in different ways.

• As a yield-seeking DeFi user, which stablecoin lending protocol (Aave vs Compound vs Spark) has the best risk-adjusted APY and most reputable audits?
• I'm new to DeFi and want to earn yield on my stablecoins. What are some secure, passive options that don't involve complicated liquidity pools or needing to watch the market all day?
• I'm looking for a simple, safe way to generate yield on stablecoins without needing technical expertise or having to constantly watch my positions or manage liquidity provider setups.