Hurry up and claim your Haidilao package! Borrow BNB from Lista Lending to participate in Binance’s four major airdrops: Launchpool, TGE, HODLer airdrop, and Megadrop. No need to elaborate on Megadrop, as being the protagonist of the second phase, you can simply stake to receive a luxurious Haidilao package, and within an hour before TGE, you can get 30u in hand.
🚀ListaLending's innovative design on the BNB Chain brings multiple core advantages to users in the decentralized lending space.
1. Significant increase in capital utilization rates, making borrowing more flexible.
Dynamic collateral rate optimization.
When users collateralize mainstream assets (such as BNB), the collateral ratio can be increased to 85% (traditional protocols usually range from 70-75%), allowing for more funds to be borrowed. For instance, depositing $10,000 worth of BNB allows borrowing $8,500 (instead of the $7,500 from traditional protocols), improving capital utilization efficiency by 13%.
Risk layering options.
Users can choose funding pools based on their own risk preferences:
Conservative: Deposit BTC/ETH/BNB into the pool to enjoy low liquidation risk (collateral ratio 85%) and stable returns;
Aggressive: Participate in long-tail asset pools (such as GameFi tokens) to achieve an annualized high deposit rate of 15-30%+.
2. Reduced liquidation risk, protecting user assets.
Partial liquidation mechanism.
When the value of the collateral falls to the liquidation line, the protocol only liquidates the necessary portion of the assets (such as 20-30%), rather than liquidating the entire amount. For example, if a user’s $10,000 in assets triggers liquidation, they may only lose $2,000, retaining the remaining $8,000 position.
Volatility buffer fund (VBF) safety net.
The protocol extracts 0.05% from the interest to inject into the VBF, prioritizing compensation for users’ bad debts in extreme market conditions. For example, if a market crash leads to insufficient collateral, the VBF can cover up to a 5% gap, reducing user losses.
3. Seamless utilization of cross-chain assets, expanding sources of income.
Multi-chain collateral support
Users can use cross-chain assets such as ETH on Ethereum and MATIC on Polygon as collateral without needing to exchange for native BNB Chain assets, saving on cross-chain transaction fees (approximately reducing costs by 30-50%).
Aggregate liquidity to optimize returns.
The protocol automatically connects to DEXs like PancakeSwap and Thena, with deposit rates benchmarked in real-time against the highest levels in the market. For example, when the deposit rate for other protocols is 5%, ListaLending may increase it to 5.5-6% through liquidity aggregation.
4. Yield enhancement and token value capture
Dual-token economic model
LST Token: Using LST to pay interest provides a 5-10% discount on fees.
veLST Governance Token: Stake LST to earn veLST, sharing 20% of the protocol's interest income (e.g., if the daily income of the protocol is $100,000, veLST holders receive $20,000 daily).
Deflationary flywheel effect.
The protocol uses 30% of its income to buy back and burn LST, driving token deflation. Assuming a daily income of $100,000, $30,000 worth of LST would be burned daily, enhancing the token's scarcity over the long term.
5. Lower operational thresholds, empowering with intelligent tools.
AI Risk Management Assistant
Real-time monitoring of user collateral portfolios, with a 12-24 hour advance warning for liquidation risks and recommendations for automatic strategies (such as additional collateral or partial repayment). Test data shows it can reduce the liquidation probability for novice users by over 40%.
Lending leverages technological innovation and mechanism design to essentially upgrade DeFi lending from the traditional model of 'sacrificing either capital efficiency or risk' to a new paradigm of 'high capital efficiency, low risk exposure, and smart usability'.