🔸 Lending List in 2025 🔍
✍️ This analysis on @ListaDAO is for you to discover Lending List, not to give financial advice. Always do your own research! 🙏 🤝🐯🧡
🔸 What is Lending List? 🤔
• It's a P2P protocol on BNB Chain 🔶 that makes loans easier and cheaper. 🏦 Compared to platforms like Venus, with high pools and rates (10-20%), Lending List uses a P2P model with two vaults:
🏦 1️⃣ BNB Lending Vault
🏦 2️⃣ USD1 Vault
• You deposit collateral (BTCB, PT-clisBNB, solvBTC) and request WBNB or USD1 for just 0.75% (LLTV 70%-90%, limit $100M). 💸
🔸 What makes it stand out compared to similar ones?
• Its dynamic algorithms adjust rates according to the market, achieving up to 90% capital utilization. This lowers costs and is more efficient than the rigid systems of Venus. 📈 Moreover, veLISTA allows you to lock LISTA for governance and earn fees, giving you more control. 🗳️
🔸 Example for Launchpool
• You request WBNB at a low cost to get into projects like BIO Protocol (up to 29% APY). Example: you deposit $10,000 in solvBTC, request WBNB at 0.75%, and participate in Launchpool to earn returns without touching your assets. ⚠️ Watch out! Volatility can cause liquidations, so stay alert.👀
🔸 Sure? 🛡️
• No one can predict the future 100% 🔮, but Lending List is well-armed.
• Its multi-oracle (Chainlink, Binance Oracle, Redstone) provides reliable prices, avoiding manipulations that harm borrowers with unfair liquidations or liquidators with bad data 🛡️
• Updatable contracts fix failures quickly, the P2P model isolates risks, and it has (timelock) and audits.🔐
🔸 My opinion ✍️
• Lending List gives you more flexibility and lower costs in DeFi.
🔸 Sponsored by @Binance Square Official in collaboration with @ListaDAO , #ListaLending .
🔸 Thanks for reading 🤝🐯🧡, I hope it helps you get to know this project. 📚📚$LISTA