Recently, Lista Dao has undergone a series of updates, boosted by the dual launch of Binance Wallet+ and launch pool. Lista has reached the fifth position in TVL on BSC @ListaDAO

How to maximize returns on each new offering using Lista Dao:

1️⃣Participate in new offerings by staking BNB in the Binance Wallet - Finance module (also earn points)

2️⃣Stake BTC on listadao and then borrow BNB to participate in staking on the exchange for 5 days.

The above is my most basic operation each time. You can try it out more; I previously used Venus, but everyone will find that every time they participate in borrowing BNB on Venus, the interest is incredibly high. Now LIsta has broken this equilibrium.

Recent advantages of Lista Lending updates:

1️⃣P2P lending model

  • Their vaults and markets provide more collateral, giving me more flexibility when borrowing each time.

2️⃣Dynamic interest rates

  • Lista utilizes a multi-oracle system for pricing, automatically adjusting interest rates based on market conditions. In short, it aims to provide higher supplier interest rates and lower borrower rates.

3️⃣Risk control

  • They have isolated vault risks and borrower protection

How Lista Dao pushes the front wave forward:

1️⃣I believe everyone has used the Venus lending protocol, which has developed over four to five years. Every time there’s a launchpool, everyone's interest rates soar, so I looked into the data, and it’s mainly due to the differences in the two lending mechanisms.

Venus uses a traditional pooled lending model (to put it simply)

All deposited assets (such as BNB or USDT) are pooled into a single pool. Borrowers withdraw from this shared pool, and suppliers earn interest from it, essentially making the entire supplier earn a lot.

Lista Lending adopts a peer-to-peer (P2P) model (to put it simply)

The Lista Lending market implementation that anyone can create. Curated vaults supply loan assets to multiple different markets, each market receiving specific borrowing interest. This setup offers greater flexibility in asset selection and borrowing strategies.

Similar to Morpho, Lista Lending enhances capital efficiency by directly matching suppliers and borrowers in various markets—eliminating unnecessary intermediary costs. This peer-to-peer model allows suppliers to earn higher returns while borrowers enjoy lower interest rates, thus maximizing overall returns. Interest rate model:

Venus: When we concentrate lending each time, suppliers receive a lower annual percentage yield (APY), while borrowers pay higher interest.

Listadao:

Similar to Morpho, Lista Lending enhances capital efficiency by directly matching suppliers and borrowers in various markets—eliminating unnecessary intermediary costs. This peer-to-peer model allows suppliers to earn higher returns while borrowers enjoy lower interest rates, thus maximizing overall returns.

So, comparing it, some BNB demands on Lista Dao are more favorable for retail investors.

🐠Improvement of BSC infrastructure

Actually, four to five years ago, everyone experienced the story of Venus. I also witnessed Venus's development as a MOD for a year. Now, a series of combinations have been launched on BSC, and the simple borrowing and high interest of Venus no longer attracts retail investors.

In recent new offerings, @ListaDAO I indirectly participated in more activities through CLisBNB lst, significantly boosting TVL. If you are a retail investor, you can now participate in other lending needs on listadao, and also use lending+Rewards for DeFi mining, allowing you to earn returns in addition to points.

I pulled some data, as of March 2025, the DeFi ecosystem on the BNB chain is thriving, with a TVL of $5.32 billion, but lending is lagging at only $1.855 billion, far below Ethereum's $46 billion lending share and Base's $1.2 billion out of $2.9 billion.

This gap highlights an underserved market on the BNB chain, craving better interest rates, collateral options, and security. Lista Lending from Lista DAO fills this gap, offering a decentralized, flexible protocol aimed at maximizing the DeFi potential of the BNB chain.

In previous data, you can see the changes in TVL on Def, Lista Dao has emerged as a rising star on BSC #ListaLending革新BNBChain借贷 .