While researching stablecoin investment and low-risk arbitrage, I carefully examined @ListaDAO and found this strategy is truly user-friendly and highly practical for ordinary users.
The core logic is actually quite simple: use your blue-chip assets as low-interest collateral to borrow USD1, then put that USD1 to work in higher-yield opportunities. For example, on Lista DAO, the borrowing rates for assets like BTCB, ETH, and BNB are extremely low—borrowing USD1 against BTCB costs around 1% annually. Meanwhile, Binance Earn currently offers up to 20% annual returns on USD1, creating a significant interest rate spread.
Here’s a clear example:
抵押 BTCB → 借出 USD1（1% 左右成本） → 转入币安理财 → 吃 USD1 约 20% 年化。
Even without considering price fluctuations, the net return from the interest rate spread alone can reach nearly 18%, with relatively controlled overall risk.
If you already hold interest-bearing assets like PT-USDe, asUSDF, or USDe, you can achieve "double benefits":
Earn returns from the underlying assets while simultaneously borrowing USD1 at low interest, then stacking on top the returns from investing that USD1—significantly amplifying capital efficiency.
I believe Lista DAO’s greatest value lies in genuinely passing low borrowing costs on to users, enabling long-term holders of BTC, ETH, and BNB to generate steady cash flow without having to sell their assets. This is highly worth exploring for those seeking stable return improvements.
I’ll continue monitoring the development of $LISTA , as low cost combined with composability might just be the true path toward DeFi’s real-world adoption.
