Like conventional finance lending and borrowing, which form the core principles of any financial system, DeFi lending and borrowing also operate on these fundamentals. However, DeFi lending and borrowing aren't as straightforward as borrowing money from banks and financial corporations. They involve numerous hurdles, technical difficulties, and the use of external tools.

Lista DAO, a DeFi protocol on the BNB Chain, addresses this gap, allowing users to lend and borrow assets seamlessly within minutes. By combining liquid staking, collateralized yield assets, and smart borrowing/lending, Lista offers an efficient way to earn passive income without risking your assets.

This guide focuses entirely on Lista Lending's native mechanics to help you hit that $1,000/month goal with strategies that don’t rely on external platforms or hyped-up campaigns, Only Official Lista DAO Strategies.

Lista Lending Basics

To start generating passive income on @ListaDAO , it's very much important to understand its core mechanics and some technical and product jargons :

  • slisBNB: This is a yield-bearing token derived from staking BNB. It accumulates staking rewards over time.

  • clisBNB: This is the composable version of slisBNB that is optimized for use as collateral within Lista Lending. This is where the magic happens.

  • Peer-to-Peer Lending Layer: You can supply WBNB or USD1 to earn interest or borrow these assets at around 2% interest.

  • Collateral Vaults: Supply assets like ETH, BTCB, and clisBNB as collateral to borrow capital.

There're two main vaults in Lista Lending :

  • WBNB Vault: For borrowing and supplying BNB.

  • USD1 Vault: For strategies involving stablecoins backed by lisUSD.

Strategy 1: Lista Lending – Borrow BNB, Join Launchpool 

We can leverage Lista Lending to access low-cost BNB for participation in Launchpools and other BNB-based campaigns. This might be the most interesting yet underrated strategy in BNB lending.

Objective: Our Main Objective is to Access low-cost BNB via Lista Lending and participate in BNB-based campaigns ( eg- Launchpool, Megadrop).
Capital Needed: Varies depending on collateral

Steps:

  1. Visit : https://lista.org/lending

  2. Deposit BTCB, PT-clisBNB, or solvBTC as collateral.

  3. Borrow BNB (interest rates are < 2%).

  4. Use the borrowed BNB to join Binance Launchpools, Megadrop, or other BNB-based campaigns.

Revenue Streams:

  • Borrowed BNB at low rates (~2%). 😎

  • Participate in Launchpool events and BNB-based campaigns to earn additional token rewards.

  • Yield from participating in BNB-based campaigns.

This strategy allows us to borrow BNB cheaply and use it for potentially high-reward campaigns without risking your own capital upfront.

Advanced Strategy 1: Leveraging Lista Lending for PT-clisBNB

We can Take our BNB and ETH strategy a step further by leveraging Lista Lending to borrow more BNB and getting into the PT-clisBNB loop.

Objective: Use Lista Lending to get BNB and loop it for further rewards.

Steps:

  1. Visit : https://lista.org/lending

  2. Use Lista Lending to borrow BNB: Stake BTCB and borrow BNB.

  3. After you have the BNB, Visit : https://www.pendle.finance/

  4. After Connecting Your wallet with Pendle, get some PT-clisBNB.

  5. Use PT-clisBNB to loop and borrow out more BNB.

This strategy maximizes the use of PT-clisBNB, increasing capital efficiency and yields while keeping risks in check.

Advanced Strategy 2: Leveraging slisBNB and clisBNB for Loops

We can further amplify our returns by combining liquid staking and collateralized lending strategies, integrating both slisBNB and clisBNB.

Objective: Layer slisBNB staking with clisBNB borrowing for capital efficiency.

Steps:

  1. Visit: https://lista.org/lending

  2. Use Lista Lending to borrow BNB: Stake BTCB and borrow BNB.

  3. Visit : https://lista.org/liquid-staking/BNB

  4. Liquid stake BNB with Lista DAO to get slisBNB.

  5. Deposit slisBNB with Lista DAO CDP, get clisBNB and join Launchpool, borrow out lisUSD to swap BNB (another looping strategy).

This advanced strategy takes advantage of slisBNB and clisBNB's synergy while leveraging the low-interest BNB from Lista Lending to compound rewards and grow your position. #ListaLending

Can You Really Earn $1,000/Month on Lista?

The number on screen looks like bit exaggerated, but you can definitely earn a stable yield from Lista if you have proper strategy and scale. Here's a simple Breakdown of Monthly Yield From a $50k Portfolio :

  • clisBNB loop yield:  $400/month

  • Stablecoin lending:  $150/month

  • slisBNB staking:  $100/month

  • Extra boosts from multi-asset usage and compounding

  • Plus Launchpool Benefits Avarage 5$ / BNB So, 8-10$ / 1000$ . $30k = 250$-300$ Per Launchpool.