Can Cream Finance (CREAM) make money from decentralized lending?

Cream Finance (CREAM), or C.R.E.A.M,. is one of many protocols banking on decentralized lending.

C.R.E.A.M. is a protocol that builds smart contract money markets on the Ethereum (ETH), Binance Smart Chain (BNB), and Fantom (FTM) blockchains. A smart contract is a digital robot that executes transactions on the blockchain. For example, Cream’s smart contracts lend money and create money market accounts.