Hello everyone. In the crypto market, the most frustrating thing about holding stablecoins is that they can't appreciate in value when stored in a wallet, and they are often quietly eroded by inflation.

Recently, a new strategy on the BNB chain has gained popularity called "Interest Rate Arbitrage." The basic idea is straightforward: use blue-chip assets (such as BNB, BTCB) as collateral to borrow stablecoins USD1 from lending protocols like Lista DAO at extremely low costs, then deposit them into financial accounts to earn an annualized yield of about 10%-20%. In simple terms, it's the gap between borrowing costs and investment returns.

Why does this work? The key lies in the fee differential. On Lista DAO, using quality assets as collateral, the borrowing interest rate can be pushed down to around 0.03% (sometimes even lower, because the collateral itself generates returns in the pool). Meanwhile, the yield on stablecoin financial products is much higher than the borrowing cost, and this spread is your profit margin.

The operation process isn't complicated. First, you need to complete collateralization and borrowing steps on the Lista DAO platform. Choose suitable blue-chip assets as collateral, and the system will automatically calculate your USD1 borrowing limit. After confirming the loan, you'll hold stablecoins. Next, convert USD1 into common financial currencies and invest in corresponding financial products to start earning interest.

What makes this arbitrage attractive is that it turns originally "idle" assets into tools that can generate continuous income. For users holding mainstream tokens like BNB, there's no need to sell assets to gain stable appreciation potential. Of course, participating in any strategy requires a clear understanding of lending risks and proper risk management.