Is your BTC truly idle? Instead of just letting it sit in your wallet, why not put it to work? There’s a way to let BTC earn while locked, and the key is understanding how lending protocols and exchange financial products work together.

**The core logic is actually quite simple**

Use BTC as collateral on a lending DeFi protocol, borrow USD1 stablecoins at a 1% cost, then transfer the borrowed stablecoins to a major exchange to participate in a 20% annualized yield product. Sounds simple? The profit margin is the interest rate difference — approximately 19% annualized.

**How to operate specifically**

First, prepare mainstream assets like BTCB or ETH. Deposit some as collateral on the lending protocol, but don’t be too greedy — keep the collateralization ratio below 50%, which is a critical threshold. This way, even if the price fluctuates, you won’t be forcibly liquidated. Then, borrow an equivalent amount of USD1 stablecoins and transfer them directly into the yield product to let it generate interest automatically.

The entire process becomes: your BTC continues to fluctuate in value, while earning interest daily. If the market goes up, your assets appreciate; if it sideways or declines, at least your cash flow remains. This is what’s called “killing two birds with one stone.”

**How more aggressive players play**

Assets like PT-USDe, which already generate interest, can also be used as collateral, then borrow USD1 yield products using the same approach. Layering these strategies can push annualized returns beyond 25%. But the risks also increase — any problem in one step can trigger a chain reaction.

**Why this protocol is trustworthy**

Lista is a leading lending protocol in the BNB ecosystem, with TVL exceeding 16 billion. It’s not a small operation but a core participant in the Binance ecosystem. Users holding LISTA tokens can also enjoy protocol revenue dividends and governance rights, adding extra benefits.

**The most practical advice**

In a bull market, earn gains by holding coins; in a bear market, earn cash flow through arbitrage — combining these two strategies is the way to navigate cycles. The interest margin isn’t fixed; when lending rates rise or yield products decline, adjust promptly. The safest approach is to start with small amounts to test the waters, understand the rhythm, then scale up.

Remember: risk always exists. Only participate with idle funds.