Are your BNB, BTCB, and ETH also like mine, just bought and left to gather dust? Watching the market daily but too scared to make a move? Don't panic! Today I'm sharing my tested 'low-risk money-making' trick for total beginners: use @lista_dao
Super low-interest borrowing USD1 (lisUSD), transfer to Binance Earn to earn 8% APR! Borrowing cost is only 3.41-3.43% (slisBNB/BNB even lower ~ 1.95% range), net profit margin starts directly at 4-5%! This isn't investing, it's simply a 'free ATM'~ Last month I tried a small experiment: I used some BNB as collateral (150% over-collateralized, safety first), borrowed USD1, and instantly transferred it to Binance Flexible Earn to lock in 8%. The result? An annualized net of over 4.5%+, plus I continue to benefit from BNB's price increase! What's even better is the ability to have multiple benefits: collateralizing PT-USDe or asUSDF, which are earning coins, allows you to both gain their staking yield (ranging from 3-12%) and earn 8% on USD1, easily exceeding an annualized rate of 20%! I've calculated that with a small position of 10,000 USD, I can make over 2,000 USD in just over a year, enough to treat my whole family to hot pot several times~ Why do retail investors love this? Extremely practical benefits: Low threshold: just connect your phone to the wallet, no need to understand complex leverage, borrowing starts from 15 USD1.
Low risk: Over-collateralization + fixed interest rate options (avoid volatility), I only check the collateral rate once a day, sleeping very well.
Not selling coins, just continue HODL: BTC/ETH/BNB rise and you feel good, the borrowed money is still helping you earn interest, perfectly solving the pain of "wanting to spend money but afraid of missing out."
Extra bonus: Lock $LISTA to do veLISTA, 37%+ APY community rewards! Small retail investors can also share in the protocol fees, feeling like a big shot.
My foolproof steps (newbies can copy directly):
Wallet connected to @lista_dao
(lista.org), deposit BNB/BTCB/ETH as collateral.
Borrow USD1, cost 3.43% (currently super stable).
Transfer to Binance Earn Flexible USD1, lock 8% (withdraw anytime, no fear of running away).
Lying flat! Want to advance? Collateralize PT-USDe to borrow USD1, double the happiness～
