@ListaDAO #USD1理财最佳策略ListaDAO $LISTA
Binance arbitrage practical low-risk earning 20% stable returns? How to use Lista DAO to manage USD1 finance
Recently, while researching DeFi projects on the BNB Chain, I began to pay serious attention to Lista DAO for a very simple reason: the borrowing costs are really low, and the strategy path is clear and executable, not just a high APY existing only in numbers.
Lista DAO is currently one of the protocols in the USD1 ecosystem that is very suitable for low-risk arbitrage strategies.
1. Why Lista DAO?
Lista DAO is a leading BNBFi protocol on the BNB Chain, integrating functions such as CDP collateral lending and liquidity staking. Currently, the total locked value (TVL) has exceeded 4.3 billion dollars, making it a top-tier lending protocol on the BNB Chain.
I believe its biggest advantages mainly have two points.
1. The borrowing interest rate for USD1 is extremely low (about 1%).
2. Use blue-chip assets like BTCB, ETH, BNB, etc., as collateral.
These two points directly open up a lot of low-risk operational space.
II. Practical thinking 1: BTCB mortgage → borrow USD1 → earn stable income.
Mortgage BTCB to Lista DAO.
Borrow USD1 at an annualized cost of about 1%.
Transfer USD1 to Binance Earn or other stablecoin wealth management.
Currently, stablecoin annual yields can reach approximately 20%.
In this way, the theoretical interest spread can approach 18%, provided that you must control the collateral ratio, not be greedy, and not go all in.
The essence of this strategy is not speculation but improving asset utilization efficiency through low borrowing costs.
III. One fish, multiple meals: interest-bearing assets + USD1 income.
If you hold interest-bearing assets like PT-USDe, asUSDF, or USDe, you can further collateralize these assets to borrow USD1, while the original interest income continues to exist and adds approximately 20% of wealth management income on top of USD1.
The core of this approach is not high leverage, but clear structure, diversified sources of income, and controllable risks.
IV. What real value does Lista DAO bring to users?
In my opinion, it is not just about short-term APY, but the following three points:
1. Reduce the opportunity cost of blue-chip assets.
2. Allow long-term holders to release asset liquidity.
3. Turn lending into a wealth management tool, rather than a source of pressure.
In the current market environment, agreements that can steadily improve capital efficiency are actually scarcer than high yields.
V. Personal Opinion
If you hold BTC, BNB, or ETH for the long term, do not want to trade frequently, and hope to improve asset efficiency under controllable risks, then the path of Lista DAO + USD1 is worth taking the time to study in depth, rather than just looking at the surface APY figures.
Of course, all lending strategies must pay attention to liquidation risks, control leverage, and maintain a safety margin; this is a basic principle.
