In the BNB Chain lending ecosystem, the interest rate differences are quite noticeable. Taking a leading DeFi protocol as an example, users can collateralize and borrow mainstream assets like BTCB and BNB, with interest rates dropping to around 1%, which is considered relatively low in the industry.

What's even more interesting is the yield side—the USD1 stablecoin lent out can earn about 20% annualized return through certain wealth management channels, making the interest spread about 19 percentage points. For users engaged in arbitrage or lending mining, this figure is quite attractive.

In terms of user experience, there are no major issues. The entire process of asset staking, borrowing, and withdrawal can be completed with a single click on the platform, without cross-chain hassle or complex multi-step operations. Plus, with BNB Chain's fast transaction speeds and low Gas fees, using it is truly hassle-free.

Low interest rates paired with high yields, along with a simple operation experience, make this combination quite competitive among lending products in the BNB ecosystem.