The interest for borrowing USDC is 4%, and the interest for depositing USDC is 12%, with an interest spread of 8%. Using $BNB as collateral to borrow USDC will result in a loss of rewards for HODLers.

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Only when I had no other coins did I remember that I could operate this way.

Are there any family members who have used BNB as collateral to borrow USDC? Is it worth it?

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For those who have other coins, they can completely operate this way to earn the interest spread.