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BNB-Fi is one of the hottest yet underrated crypto narratives of this year. We've seen an upward surge in almost every metric on the BNB Chain. DeFi is one sector where the BNB Chain is gaining significant momentum, with new and exciting protocols being built. One of the most overlooked niches within DeFi is Lending & Borrowing Protocols, and the BNB Chain is actually doing a great job in this area Venus, Lista, Morpho are some notable names in this section.

The Current State of BNB Lending
Platforms like Venus currently dominate BNB lending. Most users borrow BNB to join Binance Launchpool opportunities. Apart from that there're many emerging BNB restaking Protocol offers juicy yields and additional benefits. So the numbers are growing rapidly.
Major Setbacks of BNB Lending in BNB-Fi
These platforms often charge high interest and waste capital. Venus uses a pooled lending model, where it combines all assets into a single pool. This setup slows governance decisions and increases risk. It also limits flexibility and drives up borrowing costs. And that's how people end up paying hefty ammount of interest rates while borrowing BNB.
How Lista Is Innovating
@ListaDAO Lending introduces a permissionless peer-to-peer (P2P) lending model. It empowers anyone to create specialized lending markets using different tokens. Lenders and borrowers operate in markets with pre-set parameters, cutting down the need for ongoing governance. #ListaLending

Its TVL increased 174% QoQ from $198.4 million to $544.5 million. New product launches in Q4, such as External LP Emissions and Bribe Markets, helped catapult ListaDAO into the top three protocols by TVL on BNB Smart Chain. Additionally, ListaDAO was a large beneficiary of BNB Smart Chain’s efforts in 2024 to simplify staking.
How It Works

Efficient, Flexible Deployment: Lista eliminates the need for governance proposals every time you adjust lending parameters.Permissionless P2P Lending Model: Anyone can launch a lending market without asking for permission, creating a more open and flexible lending environment.Support for Advanced Strategies: The platform allows users to define parameters upfront, enabling creative yield strategies with built-in safety.Multi-Oracle Design: Lista pulls price data from multiple oracles, cross-verifying feeds to avoid pricing errors.Upgradeable Contracts: The platform can evolve. It can add new features and fixing bugs without redeploying everything.Strong Risk Control: Lista integrates reentrancy protection, permission management, and isolates risk within each lending market.
Lista vs. Others
✅ Lista vs. Morpho:

Morpho uses just one oracle per market, which creates a single point of failure. Lista avoids this by using multiple oracles for every asset. Also, Morpho’s contracts are immutable—Lista’s are upgradeable, making the protocol more adaptable over time.
✅ Lista vs. Venus:

Venus relies on pooled lending, which limits flexibility and capital efficiency. Lista’s P2P model allows users to customize asset choices and borrowing strategies—without needing permission or governance votes.
5 Reasons You Should Use Lista Lending

Access Binance Launchpool Without Selling Assets
Anyone Can Borrow BNB at low interest (<2%) and stake it in Launchpool to earn rewards. You can also use slisBNB and clisBNB (liquid staking tokens) directly in Launchpool, unlocking multiple income streams.Keep Your Portfolio Intact
You Don’t have to sell your BTC, ETH, or other holdings. Instead, deposit them as collateral, borrow BNB, and farm Launchpool rewards. This lets you earn yield while maintaining exposure to your core assets.Earn with Liquid Staking Tokens
You can Stake borrowed BNB to mint slisBNB. It earns staking APR and Launchpool rewards at the same time. This stacking effect boosts your returns more than basic staking alone.Stay Safe with Smart Security & Pricing
Lista uses multi-oracle systems and audited smart contracts to protect your positions. This shields you from sudden liquidations or price feed errors during volatile markets.Customize Your Own Lending Market
Lista lets anyone create tailored lending markets. You set the terms, no waiting for governance. This enables capital-efficient strategies and encourages more DeFi innovation on BNB Chain.