Alberchiu

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.

Are your BNB, BTCB, and ETH also like mine, just bought and left to gather dust? Watching the market daily but too scared to make a move? Don't panic! Today I'm sharing my tested 'low-risk money-making' trick for total beginners: use @lista_dao
Super low-interest borrowing USD1 (lisUSD), transfer to Binance Earn to earn 8% APR! Borrowing cost is only 3.41-3.43% (slisBNB/BNB even lower ~ 1.95% range), net profit margin starts directly at 4-5%! This isn't investing, it's simply a 'free ATM'~ Last month I tried a small experiment: I used some BNB as collateral (150% over-collateralized, safety first), borrowed USD1, and instantly transferred it to Binance Flexible Earn to lock in 8%. The result? An annualized net of over 4.5%+, plus I continue to benefit from BNB's price increase! What's even better is the ability to have multiple benefits: collateralizing PT-USDe or asUSDF, which are earning coins, allows you to both gain their staking yield (ranging from 3-12%) and earn 8% on USD1, easily exceeding an annualized rate of 20%! I've calculated that with a small position of 10,000 USD, I can make over 2,000 USD in just over a year, enough to treat my whole family to hot pot several times~ Why do retail investors love this? Extremely practical benefits: Low threshold: just connect your phone to the wallet, no need to understand complex leverage, borrowing starts from 15 USD1.

As an institutional investor or corporate treasury manager, are you still struggling with low-yield cash management? By 2026, DeFi is no longer a retail game — @lista_dao
is rapidly becoming institutional-grade financial infrastructure on the BNB chain. TVL exceeding 3 billion USD, monthly protocol revenue exceeding one million multiple times, and after several milestones by the end of 2025, the 2026 H1 roadmap aims at expanding into the RWA market, fixed-rate lending, and off-chain yield optimization, which is exactly the 'auditable, scalable, and compliant' solution that institutions need. Why do institutions favor Lista's low borrowing cost strategy? Extreme optimization of capital efficiency: mainstream blue-chip collateral such as BTCB/ETH/BNB/slislBNB borrowing rates are only 1.95-3.43% (slisBNB/BNB currently ~1.95%), far below traditional financing costs. After lending lisUSD (USD1), it is directly deployed to @binance

Brothers, it's 2026, are you still letting your BTCB/ETH/BNB sit there like a salted fish and get moldy?
@lista_dao
This guy is too twisted: borrowing lisUSD (USD1) at an unbelievably low interest rate — BTCB/ETH/BNB only 3.41-3.43%! Then toss it into Binance Earn Flexible USD1, currently a stable 8% APR (limited-time booster program, earn it while you can)! The net profit margin starts directly at 4.5%! This isn't arbitrage, it's a 'free lunch + air conditioning WiFi'!
Don't mention the feast of fish: mortgaging slisBNB or PT-USDe, which generate interest, not only earns staking rewards (slisBNB has its own BNB staking APR) but also doubles the profit of lisUSD's 8%, easily breaking 10% annually! I tried a small position and have started to fantasize about retirement. The benefit of low borrowing costs? Let me count the ways (with some complaints): Arbitrage opportunity: borrow 3.43% → earn 8% = net 4.57%, equivalent to getting Binance's money for free! Who still goes to the bank for fixed deposits? Bank: ???

Hey, DeFi players of Binance Square! Are you still letting blue-chip assets like BTCB, ETH, and BNB sit idle? The market is volatile, but @lista_dao
the ultra-low borrowing cost (as low as 0.02%, mainstream assets like BTCB/ETH/BNB around 3.43%) can help you unlock liquidity and achieve near low-risk arbitrage! After lending USD1 (lisUSD), transfer to Binance Earn for a current 8.24% APY stablecoin yield, with a net profit margin easily reaching 4-5%! This is not just borrowing money, but smartly amplifying capital efficiency while HODLing your core assets. $LISTA As a protocol token, you can also earn additional community rewards through veLISTA locking (current APY up to 37%+)! Who says there are no opportunities in a bear market? Let's talk about this strategy~ #USD1 Wealth Management Best Strategy ListaDAO What are the real benefits of Lista DAO's low borrowing costs?

Want to earn stable returns in DeFi without taking high risks? The USD1 lending strategy provided by @lista_dao, through low-interest lending, high returns on Binance Earn, and interest-bearing token rewards, ensures your assets grow safely.
Operation steps
Pledge blue-chip assets
Choose low-risk assets like BTCB, ETH, BNB as collateral, with limits adjustable based on risk preference.
Lend USD1
Utilize Lista DAO's ultra-low lending rate (about 1%) to lend USD1.
Transfer to Binance Earn
Enjoy stablecoin interest earnings of up to 20%, achieving nearly risk-free arbitrage on interest rate differentials.
Receive interest-bearing token rewards

In DeFi investments, returns and risks always go hand in hand. The USD1 lending strategy provided by @ListaDAO achieves a controllable risk and stable return investment method through low-interest lending and Binance Earn input. Below are the detailed operation steps and yield comparison analysis:
Operation Steps
Collateral Assets: Choose blue-chip assets such as BTCB, ETH, BNB as collateral, and adjust the collateral amount according to your own risk preference.
Lend USD1: Use Lista DAO's low lending rate (about 1%) to lend USD1.
Transfer to Binance Exchange: Invest the borrowed USD1 into Binance Earn to enjoy stablecoin interest rates of up to 20%.

In DeFi wealth management, returns and risks are often positively correlated. The USD1 lending strategy of @ListaDAO provides users with a low-risk, high-efficiency investment tool, allowing retail investors to pursue returns steadily. The core lies in low borrowing costs and flexible asset usage, significantly enhancing return potential while controlling downside risks.

Taking borrowing USD1 against collateral like BTCB, ETH, or BNB as an example, the lending rate is only about 1%, which significantly reduces risk compared to traditional wealth management and high-leverage operations. By depositing the borrowed USD1 into Binance Exchange (Binance Earn), users can enjoy stablecoin returns of up to 20%, and also receive Lista DAO yield token rewards, achieving dual returns. The key advantage of this return model lies in 'principal protection + yield stacking', allowing stability even in market fluctuations.

In the DeFi world, the efficiency of capital utilization and risk control have always been the focus of retail investors. @ListaDAO provides an innovative way for users to borrow USD1 at low interest rates while participating in diversified yield strategies for steady appreciation. Compared to traditional wealth management, Lista DAO's advantages lie in low borrowing costs and flexible asset usage.

For example, users can collateralize blue-chip assets such as BTCB, ETH, or BNB to borrow USD1 and then transfer it to Binance (Binance Earn) to enjoy stablecoin yields of up to 20%. This method not only keeps the principal liquid but also allows users to earn Lista DAO interest-bearing token rewards, achieving yield stacking. The strategy of getting more than one benefit allows retail investors to access institutional-level wealth management without bearing high leverage risks.

In the current DeFi ecosystem, ordinary investors often face issues of low capital efficiency and limited returns, while @ListaDAO provides a low-threshold, high-efficiency solution. With the ultra-low borrowing rates of Lista DAO, users can borrow USD1 and transfer it to Binance Exchange (Binance Earn), enjoying stablecoin investment returns of up to 20%, achieving nearly risk-free interest rate arbitrage. This not only maximizes the operation of funds but also offers retail investors a return strategy similar to that of institutions.

For example, mortgaging BTCB to borrow USD1 requires only a 1% lending rate, yielding about 18% returns. By mortgaging PT-USDe, asUSDF, or USDe to borrow USD1, one can enjoy both interest-bearing token rewards and USD1 stablecoin earnings, achieving a strategy of 'killing two birds with one stone'. This means that investors can not only gain from interest rate differentials but also participate in governance and incentive distribution through protocol tokens, enhancing the utility of their assets.

From an objective perspective, @Walrus 🦭/acc is a protocol focused on DeFi liquidity management and yield optimization. Its core features include multi-asset portfolio support, yield incentive mechanisms, and governance participation features. $WAL tokens serve as both ecological incentive tools and governance credentials, allowing holders to propose and vote on platform strategies and updates.

On the technical side, Walrus smart contracts have been audited, emphasizing transparency and security, providing users with traceable fund operation records. The protocol supports various asset portfolio strategies, which can diversify risks to a certain extent while enhancing capital efficiency through liquidity incentives.

As an ordinary investor, I focus on @Walrus 🦭/acc for many reasons. Firstly, Walrus offers multi-asset portfolio management and yield optimization strategies, allowing small amounts of capital to participate in DeFi and achieve certain returns. By holding $WAL , one can not only receive liquidity incentives but also participate in governance, proposing suggestions and voting on protocol development.
However, there are several considerations that ordinary investors must keep in mind:
Market Volatility Risk: The prices of DeFi assets may fluctuate significantly, and returns are not guaranteed to be fixed; investments should be made within one's means.
Liquidity Risk: Although Walrus provides liquidity incentives, assets may temporarily be unavailable for withdrawal in extreme market conditions.

In the current decentralized finance (DeFi) ecosystem, @Walrus 🦭/acc stands out, becoming a platform that balances multi-asset portfolio management through smart contracts, allowing users to flexibly allocate funds on-chain while providing liquidity incentives and yield distribution mechanisms. $WAL Tokens are not only the core tools of the protocol ecosystem but are also used for governance voting, enabling token holders to participate in protocol strategy decisions, thereby truly enjoying a voice in ecological construction.

For ordinary investors, the advantage of Walrus lies in its security and transparency. All smart contracts are audited, and execution records are publicly available on the blockchain, allowing users to trace the operation of funds throughout the process, thus reducing potential operational risks. At the same time, the protocol supports various asset combinations, enabling investors to allocate assets in different market environments and diversify risks. Through $WAL holder incentive mechanisms, users can gain additional returns, encouraging long-term holding and active participation in governance, which is very attractive for investors looking to grow steadily in the DeFi ecosystem.

Among the many public chain projects today, @Vanarchain stands out for its design that balances high performance and community governance. Vanar Chain not only pursues low latency and high throughput in transaction performance but also deeply embeds decentralized governance mechanisms into the protocol, allowing every user holding $VANRY to participate in ecological decision-making. This design meets developers' needs for a fast and stable blockchain while ensuring the community's voice in the direction of project development.

For developers, Vanar Chain provides friendly cross-chain capabilities and an efficient smart contract execution environment, making the construction of decentralized applications (dApp) smoother. Whether it's DeFi, NFT, or gaming applications, Vanar's technical foundation can support large-scale user access and complex logical calculations without excessive worry about network congestion or high fees. This is an important advantage for teams looking to rapidly implement projects.