Hello everyone, I am just an ordinary retail investor, still complaining by the end of 2025 that 'I bought the coins and just left them, there’s no money to spend when they rise, and it’s even worse when they don’t.' Until January 2026, I accidentally stumbled upon @lista_dao
's low borrowing strategy and decided to give it a try... What happened? Now, every day when I wake up and check my wallet, I can't help but smile at my little story (true and not exaggerated):
At first, I only had a little BNB and was afraid to make moves due to volatility. I saw that Lista offered to borrow lisUSD (USD1) at an interest rate of about 3.41% (with slisBNB even lower at around 1.95%), and I thought, 'The cost of borrowing is lower than that of a bank credit card?!' So I connected my wallet, collateralized BNB (over-collateralized at 150% for safety), and borrowed a small amount of USD1, transferring it to Binance Earn Flexible to lock in an 8% APR. When the interest arrived in the first month, I was truly stunned: after deducting the borrowing fees, I made a net profit of 4-5%! Though this amount is not much, it is enough for me to take my girlfriend out for a nice meal every week. Even more amazing is that my BNB is still in my wallet, continuing to rise (or fall, it doesn't matter since I haven't sold), feeling like I've gotten a 'free part-time income.' Later, I advanced to a strategy of 'one fish, multiple meals': I converted part of my funds into PT-USDe to collateralize a loan of USD1, earning their yield (stably 3-12%) while stacking on the 8% of USD1, pushing the total annual return to 15-20%! With a small position, managing risk well allows me to sleep soundly. There’s also a surprise with $LISTA: I locked a bit to do veLISTA, receiving 37%+ APY community rewards + protocol dividends, feeling that I am no longer just harvesting benefits but participating in an ecosystem. Lista's TVL has already surpassed 3 billion, becoming more and more stable, truly giving me, as a small retail investor, a sense of security. To those who are still hesitating, here are a few words from the heart: You don’t need a lot of money; starting with a few hundred dollars is fine.
Spend 5 minutes every day checking the collateral rate, it's easier than binge-watching dramas.
The best part is: not selling core assets, but gaining an additional passive income stream.
Now it's your turn to share~ Do you have a similar story of 'from novice to earning passively'? Move me in the comments!
What will you collateralize first? A. BNB (most approachable) B. BTCB (stable) C. ETH (has faith) D. PT-USDe (one fish, multiple meals) → Vote to let everyone know!
Haven't taken action yet? Reply 'I also want to try' + your hesitation point, and I'll accompany you step by step~ Or reply 'Borrowed USD1' and I'll give you a round of applause!
Thank you @ListaDAO
Let ordinary people find small happiness in DeFi. Don't let money sleep anymore, let's start making small changes today~
