Listalending reconstructs DeFi power with technology + community, sharing the dividends of the BNBChain lending revolution!
As the core ecosystem of DeFi, BNBChain's traditional lending protocols are hindered by fragmented liquidity, rigid interest rates, and inefficient long-tail assets. Three major innovations are needed to break through:
1️⃣ Cross-chain liquidity aggregation
Integrating multi-chain assets such as Ethereum and Polygon, achieving millisecond-level cross-chain based on LayerZero, and reducing Gas costs by 70%. Users can collateralize any chain asset for lending, with TVL increasing by 45% week over week and capital utilization reaching 89%.
2️⃣ AI dynamic interest rate model
Real-time pricing based on 200+ dimensions of data: high-quality user interest rates are 1.8% lower than the market, while high-risk asset rates automatically increase by 3.2%, and the bad loan rate is only 0.5% (industry average 3%).
3️⃣ DAO governance asset listing
Community voting determines asset access, with support for over 180 long-tail assets (accounting for 22% of TVL), such as on-chain notes and NFT fragments, activating trillions of long-tail value.
Ecological closed loop: Zero-knowledge proof ensures privacy, integrating with PancakeSwap and other platforms for a one-stop "lending-trading" service, social mining incentives drive exponential growth, with over 250,000 users in the mainnet for 3 months and an average daily transaction of $120 million.
Future vision: In 2024, we will integrate real estate, bulk commodities, and other physical assets, using credit NFTs to connect cross-chain financial scenarios, achieving full community governance by the end of 2023.
