listaDAO benefactors can always rely on their ultra-low-cost loans to earn higher returns on Binance through stablecoin financial management. With Pendle and PancakeSwap, you can participate in Binance's USD1 and U financial activities at a very low cost.

Strategy 1: USDC/USDT LP collateral lending

LP earnings are retained, and you can borrow U or USD1 at a low cost to earn high interest on Binance

Suitable for existing stablecoin LP users

Operation Steps

1. Prepare LP: Provide USDC/USDT liquidity at the listaDAO lending entrance, https://lista.org/lending/borrow?onlySmartLending=1

2. Smart Lending Deposit: Enter Lista Smart Lending to deposit LP

3. Share rewards: Automatically start sharing the $LISTA incentive pool, with the current incentive annualized at about 5%

4. Lend $U: Mortgage LP to lend U/USD1, lending rate 1.8% - 2%

5. Maximize returns: Invest the lent U/USD1 into Binance wealth management, earning about 10% risk-free profit margin

One fish three eats

• LP trading fees

• $LISTA incentive airdrop

• Binance wealth management high returns

Advantages of the play:

* Suitable for positions originally held in stablecoin LPs to gain profit

* Use lower-cost Binance U / USD1 wealth management to earn an extra profit

* High collateral rate, simple operation path

* Net borrowing cost: close to 0 ($LISTA rewards cover interest)

Strategy 2:

PT periodic market circular loan

Because PT itself is an asset with a fixed maturity income attribute, and ListaDAO offers lower, even fixed-term borrowing rates. Therefore, fixed rate + fixed income is suitable for making steady profits.

Suitable for traders pursuing certain profit margins, who will not see profits decrease due to interest rate fluctuations.

Operation steps

1. Buy PT underlying assets: Buy PT-sUSDe or PT-USDe on Pendle.fi (http://pendle.fi/), with a fixed annualized return of about 3.5%

2. Deposit collateral: Go to Lista Lending
https://lista.org/lending/market/bsc/0x1fed91636b77dab38fd796e21580718aa51e8cf89e442a0268de786adc544596, deposit PT as collateral

3. Lock in borrowing costs: Lend U or USD1, fixed rate for 30 days is about 1.8%

4. Profit arbitrage:

• Circular loan model: Continue to buy PT → Re-mortgage → Re-borrow, 3 times leverage

• Cross-platform model (safer, higher returns): Transfer U to Binance to participate in Earn (limit 10,000 U, annualized return 10%), transfer USD1 to Binance contract account, no need to open a position with a return of about 10%.

Advantages of the play:

* Relatively fixed interest rates, not affected by market fluctuations, costs are easy to calculate.

* Suitable for document leverage, with a high LLTV and relatively abundant leverage space.

* Suitable for users who prefer fixed returns and wish to enlarge profit margins

How to choose between the two ways?

If you value clear profit paths, fixed rates, and suitable for steady leverage, you lean towards choosing the PT periodic market. If you already have stablecoin LP, it is more suitable to use mortgage lending to earn an additional layer of profit:

1) PT periodic market circular loan

The characteristic is that the fixed income attribute is stronger, suitable for multiple rounds of circulation around PT, pursuing higher but relatively controllable stable income.

If you already have LP or prefer a low operational threshold and dual-purpose storage, you lean more towards the second type:

2) USDC/USDT LP mortgage lending

The characteristic is that LP profits are not lost, and you can additionally lend U / USD1 to Binance to earn profit margins, with higher capital efficiency.