Want to legally earn high yields from the stablecoin ecosystem? The key lies in two words: information gap and interest rate difference. Today, we'll break down a practical method to help you see clearly how to "milk" profits between a major exchange and the ListaDAO ecosystem.

**The underlying logic of making money is actually very simple—interest rate arbitrage**

The core idea is: borrow low-interest money to earn high-subsidy returns. It sounds like a routine trick, but with the numbers in front of you, it's hard to argue against.

On the cost side, in the ListaDAO USD1 market, the current borrowing interest rate is around 2%. You read that right, just that low. In comparison, on the earning side, putting USD1 into a major exchange's financial products (whether fixed-term or flexible) can often yield an annualized return of about 20%. Subtracting the costs, netting over 15% profit is standard operation.

**Two real and feasible strategies, each with its own tricks**

**Strategy One for the lazy—steady interest income (about 18% annualized)**

This approach is straightforward. First, convert your USDT into USDF. Second, deposit USDF into the ListaDAO platform, use USDF as collateral, and directly borrow USD1. The third step is crucial—transfer USD1 to a major exchange and put it into fixed-term or flexible financial products.

Why is this strategy stable? Because both the collateral and the borrowed asset are stablecoins, with no significant price fluctuation risk, so there's no liquidation pressure. For beginners or those who find it troublesome, this is the most comfortable plan.

**Strategy Two for the experienced—interest stacking (about 26% annualized)**

This involves maximizing capital utilization. The operation is a bit more complex, but if you understand liquidity mining or lending subsidy mechanisms, you can push the annualized return higher.

In simple terms, the difference between the two strategies is: one seeks stability, the other seeks higher returns. The former is suitable for those who want to earn passively without much thinking; the latter is for seasoned players who have been in DeFi for a while. Which to choose depends on your risk appetite.