In the current market environment, stable returns are once again becoming the main focus.
While most people are still stuck in 'holding coins and waiting for the market,' some have already started quietly achieving annualized returns close to 20% through low-cost borrowing + stablecoin investing. The core gateway to this strategy is @lista_dao's USD1 lending system.

I. Why is Lista DAO the key to USD1 investing?

Many people overlook one key point:
What truly determines the level of returns is never the financial product itself, but rather the cost of capital.

On Lista DAO, the lending interest rates for USD1 have remained in an extremely low range for a long time, with some scenarios approaching around 1%. What does this mean?

👉 You're not 'borrowing for speculation',
👉 but rather using extremely low cost to turn idle assets into a 'yield engine'.

When borrowing costs are driven down sufficiently, nearly all subsequent stable returns become net gains.

II. Practical Path One: BTCB Collateral → Borrow USD1 → Binance Earn with ~20%

This is the most intuitive and easiest-to-understand path:

1️⃣ Using BTCB as collateral
2️⃣ Borrow USD1 on Lista DAO
3️⃣ Transfer USD1 to Binance Earn on Binance Exchange
4️⃣ Participate in stablecoin yield farming, currently with an annualized return of around 20%

Assume a simplified model below👇

  • USD1 borrowing cost: ~1%

  • Binance Earn stable return: ~20%

👉 A stable interest rate spread of nearly 18% is formed in the middle

This isn't about profiting from market volatility, but from structural returns.
As long as BTCB doesn't face extreme risks, this strategy is essentially close to 'low-risk arbitrage'.

III. Advanced Strategy: Multi-income Asset Portfolio

If you're more familiar with DeFi, Lista DAO can enable even more advanced structures.

Path Two:

抵押 PT-USDe / asUSDF / USDe → 借 USD1 → 继续理财

These types of assets inherently have income-generating properties:

  • At collateralization:
    ✅ Original assets continue generating returns

  • After borrowing USD1:
    ✅ USD1 is reinvested into Binance Earn

  • Final outcome:
    👉 One principal, multiple layers of income sources

The core advantage of this structure lies in:
You're not sacrificing existing yields to get into yield farming; instead, you're adding yield on top of yield.

IV. What does low borrowing cost mean for ordinary users?

Many people ask a very practical question:

Is this model really suitable for ordinary users?

The answer is: friendlier than you might imagine.

Lista DAO's low borrowing cost makes the following assets capable of acting as 'yield amplifiers':

  • 🟠 BTCB

  • 🔵 ETH

  • 🟡 BNB

These assets, which were previously just 'held and idle', can now:

  • Not selling

  • Not losing exposure

  • While simultaneously generating stable cash flow

For long-term holders, this represents an upgrade in asset efficiency.

V. Summary of the Core Logic Behind This USD1 Strategy

In one sentence:👇

Use Lista DAO's low-cost borrowing to turn 'sleeping assets' into a 'stable cash flow machine'.

When borrowing rates are low enough and on-chain + exchange stable returns are high enough,
this model ceases to be speculation and becomes a structural arbitrage + low-risk investment strategy.

Conclusion

In phases of market uncertainty or unclear trends,
a structure that can generate stable profits is often more important than 'betting on direction'.

Lista DAO is offering users a new possibility through USD1:
👉 Not relying on massive price surges
👉 Not depending on luck
👉 Using clear structures to make returns 'stable'.

@ListaDAO #大漠茶馆
#USD1理财最佳策略ListaDAO
$LISTA

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