#usd1理财最佳策略listadao $LISTA 1. Core Arbitrage Logic: Leveraging 1% Cost to Achieve 20% Returns

Lista DAO, as a decentralized protocol focused on stablecoin lending, has its USD1 stablecoin based on the core mechanism of "over-collateralization of blue-chip assets + dynamic interest rate model." Currently, the lending rates for mainstream assets such as BTCB, ETH, and BNB are as low as 1%, significantly below the market average of 3-5%. This means users can:

1. Collateralize 1 BTCB (approximately $30,000 in market value) to borrow $15,000 worth of USD1 (collateralization rate of 50%)

2. Transfer USD1 into Binance's "Binance Earn" in the "Stablecoin Flexible Savings" section, where the current annualized yield for USDT/USDC is about 5%, while some projects in the "Launchpool Flexible" section can reach annualized rates of 15-20%

3. After deducting the 1% borrowing cost, the net yield reaches 14-19%, equivalent to leveraging $30,000 in principal to access $15,000 in funds, achieving a "small investment for large returns" risk-free arbitrage

2. Advanced Strategies: Multi-Asset Income Generation

Advanced users can implement a "Borrow USD1 against Income-Generating Assets" strategy to further amplify returns. For example:

• Strategy A: Collateralize PT-USDe (Binance liquidity mining certificate, with an annualized return of about 8%) to borrow USD1, while also enjoying:

✅ 8% staking return on PT-USDe

✅ 20% return from USD1 wealth management

✅ After deducting the 1% borrowing cost, the overall annualized return reaches 27%

• Strategy B: Collateralize asUSDF (Aave protocol's aToken income-generating asset) to borrow USD1, achieving dual value appreciation from "aToken interest + USD1 wealth management returns." The current combined return can reach 18%+, with zero gas fees throughout the operation (Lista DAO supports Binance Smart Chain, with transfer costs only $0.1)

3. Risk Control: Three Key Operational Details

1. Collateralization Rate Management: It is recommended to maintain a collateralization rate above 60% (i.e., value of borrowed assets/value of collateral assets ≤ 60%) to avoid liquidation risks in extreme market conditions.

2. Selection of Wealth Management Platforms: Prioritize "principal-protected wealth management" from leading exchanges like Binance and OKX, avoiding high-yield but high-risk DeFi liquidity pools.

3. Asset Diversification: Split the borrowed USD1 into 3-5 wealth management projects, with no single project investment exceeding 50%, to reduce the risk of platform concentration.

4. Value Capture Logic of $LISTA Token

As the ecological token of Lista DAO, $LISTA is not only a governance certificate for the protocol but can also further enhance returns through "staking mining":

• Staking $LISTA can obtain discounts on USD1 borrowing rates (up to...