Lista DAO: Low-Interest Lending, High-Interest Wealth Generation
Lista DAO offers lending rates as low as around 1%, the core of which is creating a significant arbitrage spread for users. You can think of it as financial leverage: users collateralize assets to borrow low-cost funds and then invest in high-yield external opportunities, earning the difference. This allows you to unlock the value of your core assets like BTCB and ETH without selling them, generating additional income and maximizing asset utilization efficiency.
In terms of specific operations, there are two main clear paths. First, basic arbitrage: Collateralize BTCB, ETH, or BNB to borrow the stablecoin USD1 at a cost of approximately 1%, then invest this capital in a stable external financial product with an annualized return of approximately 20%. After deducting costs, you can obtain a net return of approximately 18%. Second, more efficient yield aggregation: Use assets that inherently generate returns, such as PT-USDe and asUSDF, as collateral. This way, you can earn two returns simultaneously—the base return on the collateral itself (e.g., 10%), plus the arbitrage profit from lending USD1 (approximately 20%), achieving multiple benefits from a single investment and higher overall return potential.
Of course, any leveraged operation carries risk, primarily the possibility of liquidation due to a decline in collateral prices. Therefore, maintaining a high collateral ratio is a safety baseline. Understanding and effectively utilizing the Lista DAO tool means you can proactively optimize your crypto asset allocation, effectively increasing your overall wealth growth rate while keeping risks under control.
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