Lista Lending is a decentralized, vault-based lending protocol built on the BNB Chain. It’s designed to maximize capital efficiency and give users the power to lend and borrow with flexibility. With its peer-to-peer lending model and dynamic rate system (AdaptiveCurveIRM), Lista Lending delivers a powerful DeFi experience for both novice and advanced users.

Also Read: BNB Chain Top Lending Protocol

In this product guide, we’ll walk through how to use Lista Lending effectively — from supplying assets and earning yield, to borrowing against collateral and managing your positions.

🔍 What is Lista Lending?

Lista Lending is a permissionless lending protocol that allows users to:

  • Supply assets to earn yield from curated vaults.

  • Borrow against deposited collateral.

  • Manage vaults with customized strategies and real-time flexibility.


It supports various token pairs like BNB, slisBNB, lisUSD, and pt-clisBNB, and utilizes an adaptive interest rate model for optimized loan performance.

✅ Before You Start: Prerequisites

To begin using Lista Lending, make sure you have the following ready:

  • BNB Chain Wallet: Use MetaMask or a similar wallet configured to the BNB Chain (Chain ID: 56).

  • BNB for Gas Fees: Required to process transactions on the network.

  • Supported Tokens: Such as BNB, slisBNB, lisUSD, and pt-clisBNB.

  • Basic DeFi Knowledge: Understanding of lending, borrowing, and liquidation risks is helpful.

🛠️ Step 1: Connect to the dApp

Visit the dApp

Head over to: https://lista.org/lending

Lista Lending

Connect Your Wallet

  • Click “Connect Wallet” at the top right.

  • Select your wallet (e.g., MetaMask).

  • Approve the connection.

  • Ensure you're on BNB Chain (Chain ID: 56).


💰 Step 2: Supply Assets and Earn Yield


When you supply assets into vaults, you earn a vault-weighted Supply APY.

Here's how to start:

🔹 1. Navigate to the Earn Page

Click on “Earn” from the homepage or top navigation bar.

🔹 2. Browse and Select a Vault

Vaults

  • View vaults by deposit size or APY.

  • Vaults show details like supported assets, total deposits, and expected yield.

  • Click on your preferred vault to proceed.


🔹 3. Deposit Tokens

Deposit Assets

  • In the Deposit Section, input your token amount (e.g., 10 BNB) or click “Max.”

  • View estimated profits:

    • Monthly: (Position + Input) × APY / 12

    • Yearly: (Position + Input) × APY

  • Approve the token spend.

  • Confirm the deposit on-chain.

🔹 4. Monitor Your Earnings

Earnings

  • On the dashboard, view:

    • Total Earned Assets (excluding collateral)

    • APY Chart (7d, 1m, 3m, or all-time)

    • Lista Rewards (claimable via button)

🔹 5. Withdraw Your Assets

Withdraw

  • Go back to the vault page.

  • Enter the amount to withdraw or click “Withdraw All.”

  • Confirm the withdrawal transaction.

🔐 Step 3: Borrow Assets Using Collateral

Lista Lending uses the AdaptiveCurveIRM model to set dynamic interest rates based on utilization.

🔹 1. Navigate to the Borrow Page

Borrow Page

Click “Borrow” from the homepage.

🔹 2. Choose Collateral

Select Collateral

  • Use filters to find assets like slisBNB or BNB.

  • View details such as:

    • Loan Token

    • LLTV (Liquidation Loan-to-Value)

    • Borrowable Liquidity

    • Borrow Rate

🔹 3. Deposit Collateral & Borrow

Supply & Borrow

  • Enter the amount of collateral (e.g., 1 BTCB).

  • Specify how much you want to borrow (e.g., WBNB).

  • Review utilization and current borrow rates.

  • Approve collateral spend and confirm the borrow transaction.

🔹 4. Monitor Your Borrow Position

Monitor Your Debt

  • Head to the Borrow Page and click “My Position.”

  • Track your:

    • Debt

    • Borrowed assets

    • Health factor

🔹 5. Repay Your Loan

  • Go to Borrow Page → Debt Details.

  • Repay your loan (principal + interest).

  • Reclaim your original collateral.


🔁 Step 4: Withdraw or Adjust Funds (Lenders)

If you want to pull out funds as a lender:

  • Go to Earn Page → Operation Section.

  • Input your withdrawal amount and confirm.

  • Withdrawals are subject to available liquidity in the vault.

🧠 Pro Tips for Using Lista Lending

  • Keep an Eye on Utilization Rates: High utilization may affect borrow rates.

  • Watch Your Health Factor: Avoid liquidation by keeping your borrow position healthy.

  • Diversify Vaults: Spread assets across different vaults to manage risk better.

  • Claim Rewards Regularly: Don’t forget to check your Lista rewards.

🚀 Why Lista Lending is a Game-Changer

With its permissionless market creation, customizable vaults, and dynamic interest rate model, Lista Lending empowers users with unparalleled flexibility and capital efficiency. Unlike pooled lending systems, Lista’s peer-to-peer model enables better matching of supply and demand, often resulting in:

  • Higher yields for lenders

  • Lower interest rates for borrowers

  • Isolated risk across markets

  • Faster market creation without governance delay

✅ MY Final Thoughts

Lista Lending is one of the most innovative DeFi protocols on BNB Chain, offering a powerful lending experience without sacrificing flexibility or security. Whether you're a passive lender, active borrower, or vault curator — Lista Lending is built to adapt to your needs.

👉 Ready to explore the future of lending?

Visit https://lista.org/lending and start earning or borrowing today.

@ListaDAO #ListaLending #ListaDao $LISTA

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