just at 20% apy am I automatically compounding in just lend?
You have to realize the base APY from JST mining APY. When you hover mouse to corresponding APYs, you can actually view it. Also, the base APY earned will be automatically compounded to the equation.
What about the mining apy?
The mining APY would fluctuate depending on the supply of course, but the amount per JST mining period is fixed if you read the mining announcement. The mined JST will be frozen, and a portion of it will be released once every week. 1/24 of total frozen rewards to be exact
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