Recently discovered something fun that is very suitable for stable, experienced individuals. Stable arbitrage investment. The interest rate on Trump's USD1 stablecoin on Lista Lending is 0.85%
If borrowed and swapped to USDC, you can earn about 4-5 points in interest.
Assuming we borrow 10,000 from Lista Lending and put it into USDC for arbitrage:
Monthly income
Total amount = 10,000 × (1 + 4.15%)¹ = 10,415 USD
- Net income = 10,415 - 10,000 = 415 USD
Annual income
Total amount = 10,000 × (1 + 4.15%)¹² ≈ 16,634 USD
Net income = 16,634 - 10,000 = 6,634 USD
Annualized return = 6,634 / 10,000 = 66.34%
4. If the interest rate is an annual rate (a more realistic but lower yield version)
Borrowing annual interest rate = 0.85% → Monthly interest rate ≈ 0.0708%
Lending annual interest rate = 5% → **Monthly interest rate ≈ 0.4167%
Monthly net interest rate = 0.4167% - 0.0708% ≈ 0.3459%
One year compounded total amount ≈ 10,000 × (1 + 0.3459%)¹² ≈ 10,509 USD
Net income ≈ 509 USD annualized 5.09%, not as good as depositing in a bank
Based on assumed monthly interest rate)
1 month income ≈ 415 USD
1 year income ≈ 6,634 USD
Recently, Lista has also taken off. Lista Lending is sincere this time, plus BNB new listing. The annual interest rate for BNB borrowing for new listings is only 2.53%, isn't this a good deal? Everyone can follow this idea to take advantage - High interest rates usually come with black swan risks, referring to the LUNA incident. First determine whether it is a monthly interest rate or an annual interest rate; I didn't understand, so I calculated both.
Suggestion:
This kind of 'playing with empty hands' operation is recommended to be used with an anti-explosion warehouse talisman + platform security audit report, otherwise it can easily turn into a shortened version of 'The Wolf of Wall Street' - The Wolf of the Rooftop
