2026-01-23 00:00:43

Want to earn stable crypto asset yields? Take a look at ListaDAO's lending strategy.

The USD1 lending rate offered by ListaDAO is extremely low, with an annualized rate of about 1%, making this cost very affordable. In comparison, mainstream exchanges' stablecoin investment returns are usually above 15%-20%, leaving a significant interest rate gap between the two.

How to use it? The most straightforward method is to arbitrage based on this interest rate difference. For example, you can collateralize your BTC, ETH, or BNB to borrow USD1 from ListaDAO at nearly 1% cost. Then transfer the borrowed USD1 to an exchange and deposit it into a stablecoin investment product. This way, you can earn nearly 20% annually, which is essentially pure profit.

There are more advanced strategies as well. If you already hold interest-bearing stablecoins—like PT-USDe or asUSDF—you can continue earning interest on them while using these assets as collateral to borrow USD1. This means one asset generates dual income: the original interest earnings remain intact, and the borrowed USD1 can be used for investment and profit-making.

Why does this strategy seem so simple and effective? The core reason is that the interest rate differences in the crypto lending market are substantial. ListaDAO, as a platform focusing on ultra-low interest loans, leverages mechanisms like LISTA governance tokens and USD1 stablecoins to keep borrowing costs very low. Meanwhile, the high yields from stablecoin investments on exchanges are supported by a rich ecosystem of applications and liquidity demand. The interest rate gap naturally creates arbitrage opportunities.

Of course, risks must also be considered. Price fluctuations of collateral, liquidation risks, and platform risks all exist, so it’s not completely risk-free. But compared to simply holding coins, combining lending and investment strategies can increase yields within a relatively controlled range. This is also why more and more people are exploring these interest rate gap strategies in DeFi.

USD10,03%

BTC3,1%

ETH2,56%

BNB2,05%

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governance_ghost

· 01-25 15:32

Sounds good, but where does that 20% return come from? Will the exchange suddenly cut interest rates...

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MevShadowranger

· 01-24 11:26

1% borrowing rate, 20% returns? The interest spread can't be that simple, you need to check exactly how the liquidation line is set.

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SolidityJester

· 01-23 00:29

A 1% borrowing cost paired with a 20% investment return, doesn't that sound a bit too good to be true? I'm still a bit suspicious about where the pitfalls might be. This kind of interest rate arbitrage sounds simple, but there's liquidation risk, platform risk, it feels far from just earning profit. The double return strategy is indeed impressive, but it depends on how stable the USD1 is and whether there's a de-pegging risk. Why does it feel like we've seen this routine in DeFi before, just with different platform names? A 1% vs 20% spread is so large, does that mean the market hasn't fully priced it in? Or is it just a window before arbitrage gets flattened? The combination of lending and investment sounds great, but when liquidation happens, you'll realize what "relatively controllable" really means.

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ser_aped.eth

· 01-23 00:14

It sounds like another "stable arbitrage" story, but the liquidation risk really needs to be closely monitored.

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EyeOfTheTokenStorm

· 01-23 00:14

Another 20% wealth explosion dream? According to my quantitative model, this wave of carry arbitrage indeed exists, but have you really calculated the liquidation distance? Who bears the risk of liquidation if the collateral drops by 10%?

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LiquidationWatcher

· 01-23 00:07

1% lending cost to 20% investment return, this interest margin... is indeed a bit tempting, but liquidation risk really needs to be taken into account, right?

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AllInAlice

· 01-23 00:07

1% borrow 1%, 20% wealth management, that price difference looks quite tempting... but I'm just worried that one day the coin price drops sharply and gets liquidated. Is the yield on stablecoin wealth management real? Feels like it's high at the start and then drops off. It sounds like another "sure profit" scheme, but why does it seem like all of DeFi is like this? Double returns sound great, but it's exhausting, gotta watch the liquidation line. Borrowing money to make money depends on luck; one liquidation and it's all gone. Is ListaDAO platform reliable? Haven't heard of anyone actually making money there. 20% returns? How can the platform afford that? There must be some tricks. The risk is being liquidated; as retail investors, we should just hodl honestly. Interest rate spread strategies sound simple, but executing them is full of traps.

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