Algorithm Shattering Excessive Profits: How does Lista Halve Borrowing Costs?
The traditional lending platform's annual interest rate of 18% (People's Bank of China 2023 data) is devouring ordinary people's wealth:
- Double Bloodsucking: Pledged assets (requiring over 150% of the loan amount) are forcibly frozen, resulting in an annual opportunity cost of 5%-8%
- The Truth of Excessive Profits: Bank borrowing rates are only 3%-5%, while platform interest spreads exceed 400% (McKinsey Report)
Lista Reconstructs Rules with Algorithms
Achieving a triple-dimensional strike through a dynamic interest rate engine + pledged asset reuse technology:
1️⃣ Interest Rate Cut in Half: Minimum interest rate of 6.9% when liquidity is sufficient (on-chain data from August 2023), a 61.7% reduction compared to traditional platforms
2️⃣ Capital Activation: Pledged assets simultaneously participate in DeFi mining, hedging 62% of borrowing interest (based on ETH staking annualized at 5%)
3️⃣ Real-time Settlement: Interest calculated by the second + intelligent liquidation, avoiding traditional platforms' forced collection of 3%-5% 'default management fees'
Data Empirical Evidence of Wealth Transfer
Comparison of borrowing 100,000 yuan/1 year:
- Traditional Platform: Interest 18,000 yuan + Pledged Asset Loss 7,500 yuan = Total Cost 25,500 yuan
- Lista: Interest 6,900 yuan - Pledged Earnings 5,000 yuan = Net Cost 1,900 yuan
The saved 23,600 yuan = 1 high-end iPhone + 12 months of car loan monthly payments
While traditional platforms continue to harvest through information asymmetry, Lista's algorithm has improved capital efficiency by 46.2% (pledged asset utilization rate 92.3% vs traditional 63%). This is not just a technological upgrade, but the beginning of lending equality.
