BNB Chain Lending Revolution: Analyzing How ListaDAO Reconstructs $5.3 Billion Ecological Value Distribution Using the P2P Paradigm?
I. Ecological Dilemma: Structural Imbalance Behind Prosperity (Pain Point Anchoring + Data Shock)
Core Contradiction: BNB Chain Stably Holds Top Public Chain Position with $5.32 Billion TVL, But Lending Protocols Only Account for 34.8% of TVL (Ethereum 61.2%, Base Chain 58.9%), Showing Deformed Development of 'DEX/Meme Overheating, Lending Infrastructure Lagging'. Opportunity Window: 1. Demand Side: Binance Launchpool/Megadrop Generates Massive Staking Demand, But Traditional Over-Collateralization Models Are Inefficient. 2. Supply Side: Over 75% of Retail Investors Blocked from the Lending Market Due to Capital Thresholds, Serious Liquidity Stratification
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