Cas Abbé
--
Why Lista DAO Could Disrupt the $10 Trillion Banking Industry
DeFi is the single most important use case in crypto.
And yet, 99% of the world is sleeping on it.
Recently, I came across @ListaDAO and found it really amusing.
Here's why it could disrupt $10T banking industry and you should pay attention to it: 👇
Since crypto inception, DeFi has stood out to be the most important use case in crypto.
To this date, DeFi has grown to be a $100B industry, but it still has 50x-100x potential.
And I think Lista Dao will be the biggest winner.
In this article, I'll cover
➬ Lista Dao Overview
➬ Features
➬ Recent product launch
➬ Backing and fundraising
➬ Tokenomics
➬ Stats
So let's start.
𝗟𝗶𝘀𝘁𝗮 𝗗𝗮𝗼 𝗢𝘃𝗲𝗿𝘃𝗶𝗲𝘄
➺ A BNBfi protocol that empowers users to tap into Binance launchpool rewards through three product suits liquid staking, CDP and lista lending.
➺ It aims to provide unique solutions for managing and leveraging cryptocurrencies such as BNB, ETH, and various stablecoins.
➺ It facilitates the borrowing of its decentralized stablecoin, lisUSD, also referred to as a "destablecoin," which enables users to access liquidity without liquidating their assets.
➺ Its native token is $LISTA, which acts as its gas token.
𝗨𝗻𝗶𝗾𝘂𝗲 𝗙𝗲𝗮𝘁𝘂𝗿𝗲𝘀
► Dual-Token Model (lisUSD and LISTA): Utilizes lisUSD as a decentralized "destablecoin" for borrowing and LISTA for governance and incentives, enhancing flexibility in DeFi operations.
► Liquid Staking with slisBNB: Allows users to stake BNB and earn rewards while maintaining liquidity through slisBNB, usable across DeFi platforms
► Collateralized Debt Positions (CDPs): Enables users to lock assets like BNB, ETH, or stablecoins to mint lisUSD, optimizing capital efficiency without liquidating holdings.
► Destablecoin Innovation: lisUSD balances decentralization and stability, allowing slight price fluctuations unlike traditional stablecoins, addressing the Stablecoin Trilemma (price stability, decentralization, and capital efficiency).
► Lista Lending: Replaces rigid lending pools with asset-specific vaults, improving capital efficiency and risk isolation on the BNB Chain.
► Yield Farming Opportunities: Users can provide liquidity to lisUSD and slisBNB pools on DEXs, earning fees and LISTA rewards.
► Dutch Auction Liquidation: Ensures loan security by liquidating under-collateralized lisUSD via Dutch auctions, returning excess to borrowers.
► Flash Loan Integration: Supports flash loans for lisUSD, enabling advanced DeFi strategies like arbitrage without upfront collateral
𝗥𝗲𝗰𝗲𝗻𝘁 𝗣𝗿𝗼𝗱𝘂𝗰𝘁 𝗟𝗮𝘂𝗻𝗰𝗵
1️⃣ 𝐈𝐧𝐭𝐫𝐨𝐝𝐮𝐜𝐭𝐢𝐨𝐧 𝐨𝐟 𝐋𝐢𝐬𝐭𝐚 𝐋𝐞𝐧𝐝𝐢𝐧𝐠
➙ Lista Lending is a decentralized, flexible protocol built to maximize BNB Chain’s DeFi potential.
➙ Within 2 months of its launch, Lista Lending has already surpassed $𝟵𝟬𝟬𝗠 in TVL.
𝐋𝐢𝐬𝐭𝐚 𝐋𝐞𝐧𝐝𝐢𝐧𝐠 𝐅𝐞𝐚𝐭𝐮𝐫𝐞𝐬
➢ Permissionless P2P Lending: Employs a flexible vault-and-market system, allowing users to freely choose diverse collateral types for peer-to-peer lending.
➢ Adaptive Interest Rate Mechanism: Leverages a multi-oracle system for precise, market-driven pricing, dynamically adjusting rates to offer competitive returns for lenders and cost-effective borrowing rates.
11/
➢ Robust Risk Management: Features isolated vault structures to contain risks and borrower protection mechanisms to safeguard against liquidations and market volatility.
Now let's see how it works.
▪️ Deposit Assets into a Vault: Suppliers deposit a loan asset, the vault allocates the loan asset across these markets to earn yield over time.
▪️ Vault Matches Supplier and Borrowers (P2P): The vault actively matches suppliers and borrowers in its markets, enabling P2P lending of assets like USDT, yielding higher supplier interest and lower borrower costs.
▪️ Borrowing with Collateral: In a USDT/BNB market, borrowers select the market, deposit ETH as collateral to borrow USDT, with the market locking the collateral and issuing USDT based on predefined loan parameters like LLTV and collateral type set at deployment.
▪️ Rates Adjust Automatically: Lista Lending's markets automatically adjust interest rates based on supply and demand (utilization rate) and employ a multi-oracle system to fetch accurate price feeds, ensuring fair loan valuations and protection against price manipulation.
▪️ Repay or Get Liquidated: Borrowers can repay loans with accrued interest at any time to fully recover their collateral, but if the collateral value falls below the LLTV ratio, the system triggers liquidation by selling the collateral to cover the loan, ensuring vault solvency and supplier protection.
▪️ Withdraw Your Funds: Suppliers can withdraw deposits with earned interest anytime if the vault has sufficient liquidity, while borrowers regain their collateral upon fully repaying the loan.
𝗕𝗮𝗰𝗸𝗶𝗻𝗴 𝗮𝗻𝗱 𝗙𝘂𝗻𝗱𝗿𝗮𝗶𝘀𝗶𝗻𝗴
➢ Lista DAO has raised $𝟭𝟬.𝟭𝗠 through 1 funding round and 1 IDO.
➢ It's backed by crypto's biggest VC, YZI Labs (Formerly Binance Labs).
𝗧𝗼𝗸𝗲𝗻𝗼𝗺𝗶𝗰𝘀
Lista DAO native token is $LISTA.
▪️ Market Cap: $𝟰𝟭 𝗠𝗶𝗹𝗹𝗶𝗼𝗻
▪️ FDV: $𝟮𝟯𝟳 𝗠𝗶𝗹𝗹𝗶𝗼𝗻
▪️ Total Supply: 𝟭 𝗕𝗶𝗹𝗹𝗶𝗼𝗻
𝐓𝐨𝐤𝐞𝐧 𝐔𝐭𝐢𝐥𝐢𝐭𝐲
➺ Governance Participation
➺ Community incentive rewards upto 45%
➺ Voting Gauge for Collateral and Liquidity
➺ Revenue Sharing
➺ Staking and Yield Farming
➺ Transaction Fees
➺ Access to Financial Products
➺ Campaign Rewards
In Jan 2025, they approved LIP O16 (Lista freeze), which allows users to lock their $LISTA tokens in a smart contract, essentially freezing them for a period of time.
This mechanism aims to increase the value of the $LISTA token by reducing the supply of freely available tokens in the market.
It also implements a revenue freeze, where a percentage of the platform's revenue is also locked in the smart contract, further increasing the value of $LISTA
𝗡𝗲𝘁𝘄𝗼𝗿𝗸 𝗦𝘁𝗮𝘁𝘀
▪️ TVL: $𝟮.𝟬𝟮 𝗕𝗶𝗹𝗹𝗶𝗼𝗻
▪️ BNB Staked: 𝟴𝟯𝟰,𝟲𝟮𝟯
▪️ LisUSD Supply: $𝟲𝟯.𝟮 𝗠𝗶𝗹𝗹𝗶𝗼𝗻
▪️ Active Loan: $𝟯𝟮𝟵 𝗠𝗶𝗹𝗹𝗶𝗼𝗻
▪️ slisBNB Holders: 𝟯𝟯𝟬,𝟭𝟲𝟬
▪️ Total Holders: 𝟱𝟲,𝟯𝟮𝟴
Why am I bullish on $LISTA?
➺ Quarterly unlocks of $7.5M, which is equivalent to its daily volume.
➺ MCap/TVL ratio of 0.02, which is lowest among all DeFi projects with > $500M TVL.
➺ Consistent upgrades and product launches, along with rising network activity.
➺ Strategic partnership with Trump's DeFi project, World Liberty Financial.
➺ Audited by top security firms, so secure and safe to use.
Imagine looking back a year from now and realizing you ignored a DeFi project backed by Binance Labs, already live with over $2B TVL, and solving real pain points in crypto lending and stablecoins.
I’m not saying go all in.
But sleeping on $LISTA might just be the biggest opportunity cost this cycle.
And yet, 99% of the world is sleeping on it.
Recently, I came across @ListaDAO and found it really amusing.
Here's why it could disrupt $10T banking industry and you should pay attention to it: 👇
Since crypto inception, DeFi has stood out to be the most important use case in crypto.
To this date, DeFi has grown to be a $100B industry, but it still has 50x-100x potential.
And I think Lista Dao will be the biggest winner.
In this article, I'll cover
➬ Lista Dao Overview
➬ Features
➬ Recent product launch
➬ Backing and fundraising
➬ Tokenomics
➬ Stats
So let's start.
𝗟𝗶𝘀𝘁𝗮 𝗗𝗮𝗼 𝗢𝘃𝗲𝗿𝘃𝗶𝗲𝘄
➺ A BNBfi protocol that empowers users to tap into Binance launchpool rewards through three product suits liquid staking, CDP and lista lending.
➺ It aims to provide unique solutions for managing and leveraging cryptocurrencies such as BNB, ETH, and various stablecoins.
➺ It facilitates the borrowing of its decentralized stablecoin, lisUSD, also referred to as a "destablecoin," which enables users to access liquidity without liquidating their assets.
➺ Its native token is $LISTA, which acts as its gas token.
𝗨𝗻𝗶𝗾𝘂𝗲 𝗙𝗲𝗮𝘁𝘂𝗿𝗲𝘀
► Dual-Token Model (lisUSD and LISTA): Utilizes lisUSD as a decentralized "destablecoin" for borrowing and LISTA for governance and incentives, enhancing flexibility in DeFi operations.
► Liquid Staking with slisBNB: Allows users to stake BNB and earn rewards while maintaining liquidity through slisBNB, usable across DeFi platforms
► Collateralized Debt Positions (CDPs): Enables users to lock assets like BNB, ETH, or stablecoins to mint lisUSD, optimizing capital efficiency without liquidating holdings.
► Destablecoin Innovation: lisUSD balances decentralization and stability, allowing slight price fluctuations unlike traditional stablecoins, addressing the Stablecoin Trilemma (price stability, decentralization, and capital efficiency).
► Lista Lending: Replaces rigid lending pools with asset-specific vaults, improving capital efficiency and risk isolation on the BNB Chain.
► Yield Farming Opportunities: Users can provide liquidity to lisUSD and slisBNB pools on DEXs, earning fees and LISTA rewards.
► Dutch Auction Liquidation: Ensures loan security by liquidating under-collateralized lisUSD via Dutch auctions, returning excess to borrowers.
► Flash Loan Integration: Supports flash loans for lisUSD, enabling advanced DeFi strategies like arbitrage without upfront collateral
𝗥𝗲𝗰𝗲𝗻𝘁 𝗣𝗿𝗼𝗱𝘂𝗰𝘁 𝗟𝗮𝘂𝗻𝗰𝗵
1️⃣ 𝐈𝐧𝐭𝐫𝐨𝐝𝐮𝐜𝐭𝐢𝐨𝐧 𝐨𝐟 𝐋𝐢𝐬𝐭𝐚 𝐋𝐞𝐧𝐝𝐢𝐧𝐠
➙ Lista Lending is a decentralized, flexible protocol built to maximize BNB Chain’s DeFi potential.
➙ Within 2 months of its launch, Lista Lending has already surpassed $𝟵𝟬𝟬𝗠 in TVL.
𝐋𝐢𝐬𝐭𝐚 𝐋𝐞𝐧𝐝𝐢𝐧𝐠 𝐅𝐞𝐚𝐭𝐮𝐫𝐞𝐬
➢ Permissionless P2P Lending: Employs a flexible vault-and-market system, allowing users to freely choose diverse collateral types for peer-to-peer lending.
➢ Adaptive Interest Rate Mechanism: Leverages a multi-oracle system for precise, market-driven pricing, dynamically adjusting rates to offer competitive returns for lenders and cost-effective borrowing rates.
11/
➢ Robust Risk Management: Features isolated vault structures to contain risks and borrower protection mechanisms to safeguard against liquidations and market volatility.
Now let's see how it works.
▪️ Deposit Assets into a Vault: Suppliers deposit a loan asset, the vault allocates the loan asset across these markets to earn yield over time.
▪️ Vault Matches Supplier and Borrowers (P2P): The vault actively matches suppliers and borrowers in its markets, enabling P2P lending of assets like USDT, yielding higher supplier interest and lower borrower costs.
▪️ Borrowing with Collateral: In a USDT/BNB market, borrowers select the market, deposit ETH as collateral to borrow USDT, with the market locking the collateral and issuing USDT based on predefined loan parameters like LLTV and collateral type set at deployment.
▪️ Rates Adjust Automatically: Lista Lending's markets automatically adjust interest rates based on supply and demand (utilization rate) and employ a multi-oracle system to fetch accurate price feeds, ensuring fair loan valuations and protection against price manipulation.
▪️ Repay or Get Liquidated: Borrowers can repay loans with accrued interest at any time to fully recover their collateral, but if the collateral value falls below the LLTV ratio, the system triggers liquidation by selling the collateral to cover the loan, ensuring vault solvency and supplier protection.
▪️ Withdraw Your Funds: Suppliers can withdraw deposits with earned interest anytime if the vault has sufficient liquidity, while borrowers regain their collateral upon fully repaying the loan.
𝗕𝗮𝗰𝗸𝗶𝗻𝗴 𝗮𝗻𝗱 𝗙𝘂𝗻𝗱𝗿𝗮𝗶𝘀𝗶𝗻𝗴
➢ Lista DAO has raised $𝟭𝟬.𝟭𝗠 through 1 funding round and 1 IDO.
➢ It's backed by crypto's biggest VC, YZI Labs (Formerly Binance Labs).
𝗧𝗼𝗸𝗲𝗻𝗼𝗺𝗶𝗰𝘀
Lista DAO native token is $LISTA.
▪️ Market Cap: $𝟰𝟭 𝗠𝗶𝗹𝗹𝗶𝗼𝗻
▪️ FDV: $𝟮𝟯𝟳 𝗠𝗶𝗹𝗹𝗶𝗼𝗻
▪️ Total Supply: 𝟭 𝗕𝗶𝗹𝗹𝗶𝗼𝗻
𝐓𝐨𝐤𝐞𝐧 𝐔𝐭𝐢𝐥𝐢𝐭𝐲
➺ Governance Participation
➺ Community incentive rewards upto 45%
➺ Voting Gauge for Collateral and Liquidity
➺ Revenue Sharing
➺ Staking and Yield Farming
➺ Transaction Fees
➺ Access to Financial Products
➺ Campaign Rewards
In Jan 2025, they approved LIP O16 (Lista freeze), which allows users to lock their $LISTA tokens in a smart contract, essentially freezing them for a period of time.
This mechanism aims to increase the value of the $LISTA token by reducing the supply of freely available tokens in the market.
It also implements a revenue freeze, where a percentage of the platform's revenue is also locked in the smart contract, further increasing the value of $LISTA
𝗡𝗲𝘁𝘄𝗼𝗿𝗸 𝗦𝘁𝗮𝘁𝘀
▪️ TVL: $𝟮.𝟬𝟮 𝗕𝗶𝗹𝗹𝗶𝗼𝗻
▪️ BNB Staked: 𝟴𝟯𝟰,𝟲𝟮𝟯
▪️ LisUSD Supply: $𝟲𝟯.𝟮 𝗠𝗶𝗹𝗹𝗶𝗼𝗻
▪️ Active Loan: $𝟯𝟮𝟵 𝗠𝗶𝗹𝗹𝗶𝗼𝗻
▪️ slisBNB Holders: 𝟯𝟯𝟬,𝟭𝟲𝟬
▪️ Total Holders: 𝟱𝟲,𝟯𝟮𝟴
Why am I bullish on $LISTA?
➺ Quarterly unlocks of $7.5M, which is equivalent to its daily volume.
➺ MCap/TVL ratio of 0.02, which is lowest among all DeFi projects with > $500M TVL.
➺ Consistent upgrades and product launches, along with rising network activity.
➺ Strategic partnership with Trump's DeFi project, World Liberty Financial.
➺ Audited by top security firms, so secure and safe to use.
Imagine looking back a year from now and realizing you ignored a DeFi project backed by Binance Labs, already live with over $2B TVL, and solving real pain points in crypto lending and stablecoins.
I’m not saying go all in.
But sleeping on $LISTA might just be the biggest opportunity cost this cycle.
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