The Lending List is a decentralized lending protocol based on vaults on the BNB Chain, designed to optimize capital efficiency and enable more flexible peer-to-peer lending. Through this platform, users can provide assets to generate yield or borrow them by offering collateral, with dynamic rates managed by AdaptiveCurveIRM technology.
This guide explains how to use the Lending List DApp, covering the main actions for lenders, borrowers, and vault curators.
✅ Prerequisites Before Starting
Before accessing the Lending List, ensure you have:
Wallet compatible with BNB Chain: such as MetaMask configured on the BNB Chain (Chain ID: 56), with a balance in BNB for network fees.
Compatible tokens: BNB, slisBNB, lisUSD, pt-clisBNB, among others.
Basic knowledge of DeFi: It is important to understand the risks of lending, collateral, and liquidations.
🚀 Step 1: Connect to the DApp
Access https://lista.org/lending.
Click on 'Connect Wallet'.
Select your wallet (e.g., MetaMask) and confirm the connection.
Make sure your wallet is on the BNB Chain.
Listadao
💰 Step 2: Provide Assets (Lending)
Lenders deposit assets into vaults to earn yield based on the weighted Supply APY of the vault.
How to Provide:
Click on 'Earn' in the menu or on the home screen.
Choose a vault from the list (sorted by APY or volume).
View details such as: vault name, deposited amount, types of collateral, and APY.
Click on the desired vault.
Deposit:
In the deposit field, enter the amount (e.g., 10 BNB) or click on 'Max'.
Visualize the estimated APY and monthly/annual profits.
Approve the use of the token and confirm the transaction.
Monitor Earnings:
Return to the dashboard to view the earning assets (excluding collaterals).
Check the APY chart (7 days, 1 month, 3 months, or overall)
Claim your rewards from the List via the button.
Withdraw Assets:
Access the vault and click on 'Withdraw'.
Enter the amount or click on 'Withdraw all'.
Confirm the transaction and receive your tokens back.
🔐 Step 3: Take Loans (Borrowing)
Borrowers collateralize assets to obtain loans with dynamic rates via AdaptiveCurveIRM.
How to Borrow:
Click on 'Borrow' on the homepage.
Choose the asset to use as collateral (e.g., BNB, slisBNB).
Check information such as: loan asset, LLTV, loan rate, and available liquidity.
Select the market (e.g., BTCB).
Deposit Collateral and Take a Loan:
On the collateral page, enter the amount to be used as collateral.
Choose the amount to borrow (e.g., WBNB), within the available limit.
Review the current rate and confirm.
Approve and confirm the transaction.
Monitor Debt:
Access the 'My Position' tab to track your debt in real-time.
Repay Loans:
Go to the Borrow page → Debt Details.
Repay the principal amount + interest to recover your collateral.
🎯 Step 4: Additional Operations for Lenders
To withdraw funds: go to the 'Earn' tab, enter the amount in the withdrawal field, and confirm.
Subject to available liquidity in the vault.
🔐 Security First
The Lending List adopts advanced security measures such as:
Multi-oracle system
Collateral isolation
Rigorous code audits
TimeLock mechanisms
These improvements ensure a safer experience for all participants in the ecosystem.
