What is Lista Lending?

Lista Lending is a new decentralized lending platform on BNB Chain and one of the products of Lista DAO. It allows users to directly borrow assets (such as depositing USDT to earn interest, or mortgaging BTCB to borrow BNB), focusing on efficiency, low cost and flexibility.

What problem does it solve?

Although BNB Chain’s lending market has a total locked value (TVL) of 5.4 billion, the lending portion only accounts for 35%, far less than Ethereum’s 50%. The main problem lies with established platforms (such as Venus):

Poor use of funds: Venus uses a "peer-to-pool" model, where all money is thrown into a large pool, resulting in low fund utilization (only 32%), and many deposits are idle, but borrowers have to pay for the high cost of the entire pool.

The interest rate is too outrageous: when everyone is rushing to borrow BNB (for example, participating in Binance Launchpool), the borrowing rate of Venus can soar to more than 30%, but the deposit rate rises slowly. The platform makes the most money, and users suffer.

Risk concentration: A large fluctuation in the price of an asset may bring down the entire pool.

Lista Lending uses the P2P model (peer-to-peer, directly matching lenders and borrowers) to solve these problems. It is like a smart "fund dispatcher" that efficiently distributes money through the vault and the market:

Treasury: Users deposit money (such as USDT) to earn interest, and the money is centrally managed.

Market: Funds are allocated to different lending markets (such as USDT/BNB), and borrowers pledge their assets to borrow money.

This model allows the capital utilization rate to reach 90%, and the interest rate can be adjusted in real time. The BNB borrowing rate is as low as 0.84%-2.05%, which is much cheaper than Venus's 4%-28%!

How does it ensure safety?

Lista Lending is not only highly efficient, but also pays special attention to risk control:

Risk isolation: Each vault and market operates independently, and problems in one market will not affect others, reducing systemic risks.

High LTV: BNB’s loan-to-value ratio (LTV) is as high as 90%, which is looser than Venus’ 78%, indicating that it is confident in BNB’s liquidity.

Multi-oracle: Use multiple data sources (such as Chainlink, Binance Oracle) to ensure price accuracy and prevent manipulation.

Summarize

Lista Lending is a lending project that uses the P2P model to "revolutionize old platforms". It allows users to borrow money more cheaply and make money more flexibly through efficient fund allocation, ridiculously low interest rates and safe risk control. It not only helps users save money, but also makes BNB more valuable on the chain, forcing big brothers like Venus to lower their prices. In conjunction with other products of Lista DAO, it is building a "financial paradise" on BNB Chain. In the future, if it can support more assets and maintain innovation, Lista Lending is likely to become the "new king" of the BNB Chain lending market! #ListaLending革新BNBChain借贷