BNB Chain EcoTVL has exceeded US$5.32 billion, but lending agreements account for only US$1.855 billion, far lower than public chains such as Ethereum. Behind this gap is the limitations on user needs by the traditional fund pool model - high threshold, low flexibility, and insufficient capital utilization. Lista DAO, as the fourth largest agreement on TVL on BNB Chain (growth of 896.92%, exceeding US$1.1 billion), launched the innovative P2P lending product Lista Lending, aiming to activate BNB Chain's lending potential through technology upgrades and ecological collaboration, and unlock higher returns for users. The core advantages of Lista Lending: Why can ordinary users benefit? Compared with traditional lending platforms, Lista Lending achieves two major breakthroughs through dynamic interest algorithms and P2P mode: Improve capital utilization rate: The algorithm adjusts interest rates in real time based on supply and demand to avoid idle capital pools, and users can enjoy lower borrowing costs or higher deposit returns. Flexible participation threshold: Whether small retail investors or large holders, they can match their needs through custom collateral (such as BNB, stablecoins, LST assets) and term limits, without relying on the liquidity restrictions of a single fund pool. Direct value to ordinary users: Lending costs are lower: Dynamic interest rates are significantly lower than fixed interest rate agreements when market demand is flat. More profit opportunities: Support seamlessly connecting borrowing assets to Binance Launchpool, Megadrop and other new issuance activities to earn double returns. Lista DAO’s Ecological Strategy: What to bring to BNB Chain? Lista Lending is not an isolated product, but forms a closed loop with components such as lisUSD (over-collateralized stablecoin), slisBNB (LST asset), and its strategic significance lies in: Filling the ecological gap: Currently, the coverage rate of BNB Chain lending agreements is less than 35%. Lista attracts long-tail users through the low-friction P2P model and expands the market size. Enhance asset efficiency: After users mortgage BNB to generate lisUSD, they can lend it to the Lista Lending for a second time to improve capital utilization; slisBNB holders can also obtain additional income through borrowing. Feedback to BNB's value: More lending scenarios will promote BNB's mortgage demand and further consolidate its core asset position on the chain. Practical guide: How to use Lista Lending to participate in Binance new purchases and maximize returns? Taking participating in Binance Launchpool as an example, users can optimize their income through the following steps: Mortgage BNB to generate lisUSD: deposit BNB in ​​Lista DAO's CDP protocol and mint stablecoin lisUSD (mortgage rate ≥110%). Lend lisUSD to get interest: deposit lisUSD into Lista Lending and select a high demand period to obtain dynamic interest rate returns. Redeem to Launchpool tokens: exchange part of lisUSD into new project tokens through DEX, while retaining the lending position to continuously generate interest. Revolving leverage (advanced): Use borrowing funds to repetitive mortgage or liquidity mining, but pay attention to liquidation risks. Revenue comparison: Under the traditional model, users can only receive Launchpool token rewards; through Lista Lending, lending interest + token income can be superimposed, and the annualized return can be increased by 30%-50%. Security upgrade: How to ensure the stability of users and ecology? Lista Lending's comprehensive security upgrade brings long-term value to different roles: Lender: Use multi-oracle feeding prices (such as Chainlink) to avoid single point failures and ensure accurate valuation of collateral. Progressive liquidation mechanism: Partial liquidation reduces the risk of user positions clearing at one time. Liquidator: Introduce an incentive auction pool, the liquidator can bid for discounted assets, and at the same time, the agreement balances market supply and demand through algorithms to prevent malicious price reduction. Ecological level: Smart contracts reduce systemic risks through third-party audits (such as CertiK) and vulnerability bounty programs. Part of the liquidation fine is injected into the agreement treasury for ecological development and liquidity incentives, forming a positive cycle. Summary: Catalysts for BNB Chain DeFi 2.0 The launch of Lista Lending marks the BNB Chain lending market from the "fund pool era" to the more efficient "point-to-point era". Its technological upgrade and ecological collaboration capabilities not only provide users with low threshold and high returns to participate, but also unlocks billions of dollars in potential TVL space for BNB Chain. With the continued prosperity of the Binance ecosystem, Lista DAO is expected to become a core hub connecting mortgage, lending, interest generation and new issuance, and promote the evolution of decentralized finance to a more open and flexible future. #ListaLending Innovate BNBChain Lending @lista_dao $LISTA {spot}(LISTAUSDT)