Want to borrow money in DeFi to save on interest or lend to earn more? Lista Lending is a P2P lending tool running on the BNB chain, equipped with a flexible treasury, dynamic interest rates, and strong security, directly replacing traditional lending platforms.
It is a decentralized P2P lending protocol launched by Lista DAO on the BNB chain, specifically designed to address the pain points of the BNB chain lending market being "expensive and slow". As of March 2025, the total locked value of DeFi on the BNB chain reached $5.32 billion, with a lending scale of only $1.855 billion. Lista Lending has three major highlights:
1) Permissioned P2P lending, maximum freedom Anyone can create a lending market, choose collateral freely (such as BNB, USDT, or slisBNB), without cumbersome approvals. The treasury automatically allocates funds for you, making it worry-free and efficient.
2) Dynamic interest rates, earn more and borrow less Interest rates automatically adjust with market supply and demand, backed by multiple oracles to ensure fair pricing. Suppliers earn higher returns, and borrowers face lower costs.
3) Strong risk control, safety first Each market operates independently, with risks not interfering with each other. Combined with multiple oracles, audited code, and upgradeable contracts, Lista Lending is as solid as a rock.
➤ How do users play? Supplier: Deposit assets (like USDT) into the treasury, wait for interest to roll in, withdraw whenever you want, with no lock-up period. Borrower: Choose a market, throw in some collateral (like ETH), borrow the desired assets, and repay anytime to get back the collateral. If market fluctuations are too great, the system will automatically liquidate to protect everyone's funds.
➤ How does it compare to other platforms? Stronger than Venus: Venus uses old-fashioned liquidity pools, concentrating risk, with inflexible interest rates. Lista Lending's P2P model allows suppliers to earn more and borrowers to spend less, while supporting more assets. Cooler than Morpho: Morpho's market relies on a single oracle, while Lista Lending uses multiple oracles for stability; Morpho's contracts are immutable, while Lista Lending's are upgradeable.
➤ Why is it important? It’s not just a lending platform; it seamlessly integrates the lisUSD stablecoin and slisBNB liquid staking, creating a complete DeFi ecosystem. Its flexibility, security, and high efficiency directly elevate the lending market to new heights. Lista Lending is now live on the BNB chain, come and experience it!