During the participation in the new Binance wallet new project TGE and Launchpool activities, if you don't have $BNB , and the speed of BNB's increase can't keep up with your purchasing speed, what to do if you can't sell out after the event ends and can't keep up with the drop in speed? What if you are affected by the price fluctuations?
You can now try using the brand new Lista Lending for borrowing, by pledging assets like $BTC to borrow BNB for participating in events. After it's over, you can return it without worrying about the price loss from BNB's price fluctuations!
Hello, everyone! I'm Momo. In this article, I will talk about what blockchain lending is and the advantages and gameplay of the brand new Lista Lending protocol (especially using lending to participate in Binance's new projects). I hope this is helpful for interested friends, and I also hope like-minded friends can learn and discuss together. Please feel free to contact me for corrections if there are any issues in the text!
What is blockchain lending?
In today's financial field, blockchain lending is gradually emerging as a new lending method that attracts attention. Although many people are familiar with traditional lending models, they often feel intimidated when faced with blockchain lending, worrying about its complexity and risks. However, in reality, blockchain lending is not only very convenient but also highly engaging, providing users with a fresh crypto financial experience.
Compared to traditional lending, blockchain lending has many significant advantages.
It does not rely on cumbersome paperwork and lengthy approval processes; users can quickly complete lending operations through smart contracts, greatly improving efficiency.
Secondly, the decentralized nature of blockchain makes the lending process more transparent and secure. All transaction records are immutable and publicly verifiable, allowing users to clearly understand the flow and status of each fund.
Additionally, the types of collateral in blockchain lending are diverse, allowing users to use various cryptocurrencies as collateral, providing greater flexibility.
Blockchain lending has an automatic liquidation mechanism. When the value of collateral drops, the system automatically triggers liquidation, whereas in traditional finance, it often leads to overdue payments with high overdue interest.
Lista Lending and its advantages
What is Lista Lending?
Lista Lending is a decentralized, permissionless P2P lending protocol launched by Lista DAO, aimed at filling the gap in the lending market on the BNB Chain. Through its unique treasury and market system, it provides users with more efficient, flexible, and secure lending services to promote the development of the BNB Chain DeFi ecosystem.
Key highlights:
Permissionless P2P lending model: Provides more flexible collateral options through treasury and market systems.
Dynamic interest rates: Utilizes a multi-oracle system to ensure accurate and fair pricing, with rates automatically adjusted based on market conditions, allowing suppliers to earn higher rates while borrowers enjoy lower rates.
Enhanced risk control: Achieved through isolating treasury risks and protecting borrowers.
Market opportunities and development potential of Lista Lending
As of March 2025, the TVL of the DeFi ecosystem on the BNB Chain is $5.32 billion, but the scale of lending is only $1.855 billion, far below the lending ratios of Ethereum and Base. This indicates that there is an under-served lending market on the BNB Chain that needs better interest rates, collateral options, and security. Lista Lending was launched to meet this market demand, aiming to maximize the potential of DeFi on the BNB Chain.
Advantages and comparison of Lista Lending
It should be mentioned that many friends used Venus during previous Binance new projects and found that Venus could peak at over 20%. This time, Lista Lending has significant advantages!
How to use Lista Lending
Momo previously wrote about what to do if you are not a holder when participating in the new Binance wallet IDO and the speed of BNB's increase can't keep up with your purchasing speed, and you can't sell out after the event ends and can't keep up with the drop in speed?
Then you can utilize the lending function of Lista Lending to borrow BNB to participate in new projects. After the new project ends, you can sell it and return the borrowed BNB without worrying too much about price loss!
How to operate:
In the Binance wallet, discover - DApp - search for Lista DAO to enter the official website.
After clicking the 'Lista Lending' button, click 'Lending' to enter the lending page.
Scroll down the page to select the treasury for the tokens you want to deposit and borrow.
Fill in the amount of tokens to lend and deposit, and click 'Deposit/Borrow' to confirm.
After participating in the new project, remember to return all borrowed BNB.
In addition to participating in new projects through lending, you can also use lending to amplify on-chain leverage by cycling through a single cryptocurrency to generate profits (by depositing a certain cryptocurrency on the lending platform, then borrowing the same cryptocurrency, depositing the borrowed portion again, and repeating this cycle). Of course, you need to consider the interest rates and fees of lending, as well as your own risk tolerance.
Summary
Overall, Lista Lending, as an innovative P2P lending protocol on the BNB Chain, effectively fills the gap in the BNB Chain lending market through its permissionless deployment, multi-oracle cross-validation, flexible market system, and optimized capital efficiency. Compared to competitors like Venus and Morpho, Lista Lending has obvious advantages in risk management, asset backing, and user experience. Lista Lending provides users with a more efficient, flexible, and secure lending service, and is expected to become an important force driving the development of the BNB Chain DeFi ecosystem.
