A New Weapon for Lista DAO, which recently made a move that turned Venus's 'profit era' upside down, capping BNB borrowing rates at just 12.7%, effectively smashing Venus's rates back to 5%! How did this operation become so impressive?


How did Venus's 'dependent' model come about?

Venus Protocol has been a big player on BNB Chain over the years, boasting a TVL of 2.3 billion, firmly holding the title of lending leader. How? It’s the monopoly on BNB lending! With Binance's IDO, Launchpool, and Megadrop, who wouldn’t want to borrow some BNB to invest in new projects? Venus identified this demand and changed its lending curve two years ago, allowing for slightly higher loans, with interest rates jumping from 5% to 29.68%, a six-fold increase! As the X post says, when tourist numbers increase, ticket prices triple; love it or leave it! Retail investors are forced to pay an IQ tax, and the money made from borrowing BNB to invest in new projects isn’t even enough to cover the interest—it's simply counterproductive. And Venus? Relying on the lack of competitors, with outdated technology and no optimization of user experience, it’s just like a dependent, living off the money made from new investments.

Lista's Breakthrough: Low-Interest Borrowing of BNB, A Savior for Retail Investors

Lista Lending went live on April 11 with a $52 million BNB pool, capping borrowing rates at 12.7%, directly rubbing Venus's high-interest loan rates into the ground! How did it achieve this? The core lies in its P2P lending model, bypassing the traditional DeFi large pool model. The treasuries (Vaults) manage USDT, lisUSD, and BNB separately, allowing the markets like BTC/BNB and lisUSD/ETH to operate independently, with money flowing directly from lenders to borrowers—efficient as a high-speed train. The dynamic rates are monitored by Chainlink’s multiple oracles; when the market is hot, lenders earn 10-12%, and when it’s cold, borrowing costs drop to as low as 0.66%-1.3%. In the X post, group members were buzzing, hurriedly moving from Venus, effectively pushing Venus's rates back down to 5%! This operation is akin to Lista handing out a big red envelope to retail investors, allowing them to borrow BNB for new projects without getting 'cut' badly.



Addressing Pain Points: From Counterproductive to Profitable

What do retail investors fear most when playing with Binance in new investments? Market crashes when activities end, causing BNB to plummet and profits to evaporate. Opening short positions for hedging? The fees and capital costs are a nightmare. Borrowing BNB? Venus's rates are as high as predatory lending, and after borrowing, they find they haven’t earned enough to cover interest. Lista Lending directly addresses these pain points:

Low-Interest Borrowing of BNB: Interest rates at 0.66%-1.3%, capped at 12.7%, significantly lower than Venus's 29.68%, making retail investors' costs for new investments laughably low.

Flexible Collateral: Supports BTCB (Lending Ratio 0.8), solvBTC (0.7), PT-clisBNB (0.9), allowing BTC holders to borrow BNB for new investments, and Pendle players can also benefit from airdrops, with annualized returns of 50%+.

Simple Operation: With Binance Web3 wallet, just a click to enter, select lending, fill in the amount, click confirm—just as easy as buying bubble tea.



Competitive Advantage: Not only low interest, but also more stable

Venus relies on monopoly to live off its past, while Lista Lending is a 'tech fanatic.' The P2P model allows funds to go directly to borrowers, diluting no interest, enabling lenders to earn more and borrowers to save more. The treasury and market are isolated, so if BTC/BNB collapses, it won’t affect lisUSD—risk is tightly controlled. The liquidation mechanism is lightning-fast; if collateral drops sharply, it’s sold off automatically, ensuring principal is secure. Multiple oracles prevent price manipulation, so the market remains calm amidst volatility. While Venus's lending curve jumps six times, Lista adjusts its rates smoothly, providing a user experience that leaves Venus in the dust. Morpho also has P2P features, but Lista is deeply integrated with the Binance ecosystem, enhanced by Launchpool rewards, making it more enjoyable for retail investors.

Ecological Impact: The New Engine of BNBFi

Lista Lending not only saves retail investors but also drives the BNB Chain ecosystem forward. It works seamlessly with lisUSD (stablecoin) and slisBNB (liquid staked BNB) as if they were family running a store. lisUSD is stable like the Renminbi, earning 8-10% interest in the treasury; slisBNB allows borrowing BNB while still earning staking rewards. With Binance Web3 wallets recently pushing hard, Lista is leveraging synergies with Launchpool and Megadrop, allowing borrowed BNB for new investments to earn additional rewards, leading to a compounded delightful return. Someone in the X post said this is a signal of BNB Chain’s revival! Lista has revitalized the lending market, channeling funds to DEX and dApp, making the ecosystem run like an engine that's just been fueled up.

Future Vision: The New Dominator of the Lending Market

Lista Lending stirred up Venus from the moment it launched, and it can be even more powerful in the future. It supports more coins (like the meme coin market), optimizes interest rate algorithms, and the LISTA votes let the community set the rules, amplifying the voice of retail investors. Someone in the X post asked, how did Lista get its WBNB? Will it use users' staked slisBNB for lending? The official explanation hasn’t been detailed yet, but the treasury operations are transparent, verifiable on-chain, and the community is keeping an eye on it, so it won’t go off track. With the traffic boost from the Binance Web3 wallet, Lista is poised to become the new lending king on BNB Chain. If Venus doesn’t change its curve, it may truly find itself without any playmates!

Summary

Lista Lending is like a 'price butcher' in the DeFi world, using borrowing rates as low as 0.66%-1.3% for BNB, breaking Venus's monopoly and driving its high rates of 29.68% back down to 5%. With P2P lending, treasury isolation, and dynamic rates, the technology is stable and efficient; retail investors can participate without harm, Pendle players enjoy leverage; ecosystem synergy propels BNBFi to new heights. Group members in the X post are thrilled; Lista not only saved retail investors' wallets but also injected energy into BNB Chain. This platform is definitely a rising star in the lending market, with a promising future!