๐ธ Discover Lending List in 2025 ๐
โ๏ธ This is an analysis of @ListaDAO for you to explore Lending List. Itโs not financial advice โ always DYOR (do your own research)! ๐๐ค
๐ธ What is Lending List? ๐ค
โข Lending List is a P2P lending protocol on BNB Chain ๐ถ designed to make loans easier and cheaper. ๐ฆ
โข Unlike platforms like Venus, which have high rates (10-20%) and pooled liquidity, Lending List uses a P2P vault model:
๐ฆ 1๏ธโฃ BNB Lending Vault
๐ฆ 2๏ธโฃ USD1 Vault
โข Users deposit collateral (BTCB, PT-clisBNB, solvBTC) and can borrow WBNB or USD1 at just 0.75% interest! (Loan-to-Value ratio: 70%-90%, up to $100M). ๐ธ
๐ธ Why is it different? โจ
โข Lending List uses dynamic algorithms that adjust rates to market conditions, achieving up to 90% capital utilization โ making it much more efficient and affordable compared to rigid models like Venus. ๐
โข Plus, with veLISTA, you can lock LISTA tokens to vote on governance decisions and earn protocol fees. ๐ณ๏ธ
๐ธ Launchpool Example ๐
โข Borrow WBNB at a low cost to join projects like BIO Protocol (up to 29% APY)!
โข Example: Deposit $10,000 in solvBTC, borrow WBNB at 0.75%, and use it in a Launchpool โ without selling your original assets.
โ ๏ธ Reminder: Market volatility can cause liquidations, so stay sharp! ๐
๐ธ Is it safe? ๐ก๏ธ
โข While nothing is 100% certain ๐ฎ, Lending List has strong protections:
Multi-oracle system (Chainlink, Binance Oracle, Redstone) for reliable prices, reducing manipulation risks.
Upgradable smart contracts for quick fixes.
P2P model that isolates risks.
Timelocks and audits for added security. ๐
๐ธ Final Thoughts โ๏ธ
โข Lending List offers more flexibility and lower costs in the DeFi space. A promising option to watch closely!
๐ธ Sponsored by @BinanceSquareOfficial in collaboration with @ListaDAO .
๐ธ Thanks for reading! Hope this helped you get to know Lending List better!
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