Security and Innovation: Examining the Moat of Lista Lending through Mechanism Design

1. The “Triple Protection” of the Oracle System

Utilizes Chainlink oracles primarily, supplemented by the native price feeding system of BNB Chain, and introduces a community node voting mechanism to prevent manipulation of a single data source. When an asset's price experiences abnormal fluctuations, the system automatically triggers cross-platform data comparison to ensure the timeliness and accuracy of the price feeds.

2. The “Layered Design” of the Liquidation Mechanism

Establishes a three-tier mechanism of “Warning - Partial Liquidation - Full Liquidation”: When the collateralization ratio falls to 130%, an email/SMS warning is sent to the user; when it drops to 120%, users are allowed to choose between partial repayment or additional collateral; only when the collateralization ratio is below 110% does the smart contract liquidation trigger, prioritizing the liquidation of high-risk positions to avoid a chain reaction.

3. Contract Audit and Insurance Fund

Smart contracts undergo dual audits by Certik and Slow Mist, and a 5% lending fee is set aside as a risk reserve fund to cover user losses in extreme cases. This combination of “Technical Audit + Economic Buffer” allows borrowers, liquidators, and the entire ecosystem to receive more secure protection.

#ListaLending Innovates BNBChain Lending