The storm is rising, and the new loan is born The DeFi world of BNB chain is like a vivid picture. TVL has reached 5.32 billion US dollars, and various projects are competing for beauty. But the lending sector seems to have not yet fully expanded, accounting for only 1.855 billion, which is far less than Ethereum's lending scale. On this fertile land to be developed, Lista DAO quietly entered the market with its Lista Lending, like a breeze, causing a stir. This is not a noisy change, but a solid attempt to make lending on the BNB chain more flexible and open, and truly open a window of freedom for users. What are the shortcomings of the BNB chain’s lending market? The DeFi ecosystem of BNB Chain is already very lively in 2025, with stablecoins, DEXs, and liquid pledges, and nothing is missing. But the lending market is like a slow-heating friend. It only has 1.855 billion shares in TVL, far behind Ethereum (borrowing accounts for half of TVL) or Base (1.2 billion). Why? Traditional lending agreements mostly use large pool models, and all assets are squeezed together, and risks are easily contagious. If you want to add new ways to play, you have to wait for the governance process, which is so slow that it makes people a little helpless. Lista DAO saw this gap and launched Lista Lending. It is not a one-on-one battle, but a complete DeFi framework is built with lisUSD stablecoins and slisBNB liquid stakes, hoping to make the capital flow of the BNB chain smoother. #ListaLending Innovate BNBChain Lending How does Lista Lending work? Lista Lending focuses on P2P lending, breaking out of the box of the big pool model, using two tools: vault and market, trying to make lending more flexible. Vault: Take care of your money The vault is like a fund dispatching center. When users deposit assets, such as USDT, the vault will distribute money to different lending markets according to market conditions. Have a professional team to watch and try to ensure safety and profitability. There is no lock-in period, you can do it any time you want to withdraw money, and the operations are on the chain, open and transparent. Market: Each of them manages their own stalls Each market is an independent pool, managing a pair of assets, such as USDT to BNB. There is no visit between the market, no problem will affect other problems, and the risk control is quite strict. There is no need to approve the construction of a market. Anyone who wants to do it can try it, and the threshold is very low. Interest rate: Follow the market Interest rates are not fixed, supply and demand have the final say. When the market is busy, the people who save money make a high profit; when there is a lot of money, the cost of borrowing money is low. Multiple oracles are staring at the price and try to avoid deviation or manipulation. How to use it? It's quite simple. People who save money put their assets in the vault, collect interest, or let the vault pick the market. Those who borrow money choose a market, use ETH as collateral, borrow USDT, etc. If you want to repay the loan at any time, the collateral will be liquidated and the vault will be protected. You can withdraw the money you deposit at any time, and take the collateral back if you pay it back. What are the characteristics of Lista Lending? Openness: No need to wait for approval, anyone can build a market, and the types of assets are very free. Efficiency: P2P reduces the intermediate link, and those who save money have a higher income, while those who borrow money have a lower cost. Risk control: The market is managed separately, bad debts do not spread, and the overall stability is more stable. Reliable price: Multiple oracle cross-verification to reduce the risk of errors. Can be upgraded: Contracts can be updated and keep up with market changes. Compare with other agreements Lista Lending is somewhat similar to Venus and Morpho, but he also goes his own way. Comparison Venus: Venus uses a large pool model, and all assets are put together, and risks are easily exploded in succession. Lista Lending's market is separated and the risks do not run around. Venus' interest rate curve is relatively fixed, and its returns and costs are not that flexible, and Lista Lending's P2P mechanism is more dynamic. Comparison Morpho: Morpho uses a single oracle, and the market is a bit overwhelming when it fluctuates. Lista Lending's multi-oracle is more stable. Morpho's contract cannot be changed, Lista Lending can be upgraded and has a more adaptable environment. New trends in BNB chain lending The emergence of Lista Lending has added some new momentum to the lending market of BNB chain. Lista DAO itself is not simple, with TVL 1.1 billion, an annual increase of nearly 900%, ranking fourth on the chain. Lista Lending brings more flexible lending methods, supports more assets, and manages risks more carefully. It cooperates with lisUSD and slisBNB to build a complete ecosystem to facilitate users to switch between deposit, borrow and pledge. This agreement allows ordinary users to save money and earn interest, and also gives space to those who want to play complex strategies. It also leaves a hole for developers to build a market at will and try new ideas. It has built a new platform on the BNB chain, and assets and users can be connected more easily. The wind is still blowing, the road is still walking The lending market for BNB chain used to be a little quiet, and the arrival of Lista Lending was like throwing a stone into a lake, causing ripples. It wants to make lending more open, flexible and safer. Lista DAO rides the wind, holding the banner of freedom, and walking at the forefront of DeFi in BNB chain.