Alberchiu

Hello everyone, I am just an ordinary retail investor, still complaining by the end of 2025 that 'I bought the coins and just left them, there’s no money to spend when they rise, and it’s even worse when they don’t.' Until January 2026, I accidentally stumbled upon @lista_dao
's low borrowing strategy and decided to give it a try... What happened? Now, every day when I wake up and check my wallet, I can't help but smile at my little story (true and not exaggerated):
At first, I only had a little BNB and was afraid to make moves due to volatility. I saw that Lista offered to borrow lisUSD (USD1) at an interest rate of about 3.41% (with slisBNB even lower at around 1.95%), and I thought, 'The cost of borrowing is lower than that of a bank credit card?!' So I connected my wallet, collateralized BNB (over-collateralized at 150% for safety), and borrowed a small amount of USD1, transferring it to Binance Earn Flexible to lock in an 8% APR. When the interest arrived in the first month, I was truly stunned: after deducting the borrowing fees, I made a net profit of 4-5%! Though this amount is not much, it is enough for me to take my girlfriend out for a nice meal every week. Even more amazing is that my BNB is still in my wallet, continuing to rise (or fall, it doesn't matter since I haven't sold), feeling like I've gotten a 'free part-time income.' Later, I advanced to a strategy of 'one fish, multiple meals': I converted part of my funds into PT-USDe to collateralize a loan of USD1, earning their yield (stably 3-12%) while stacking on the 8% of USD1, pushing the total annual return to 15-20%! With a small position, managing risk well allows me to sleep soundly. There’s also a surprise with $LISTA : I locked a bit to do veLISTA, receiving 37%+ APY community rewards + protocol dividends, feeling that I am no longer just harvesting benefits but participating in an ecosystem. Lista's TVL has already surpassed 3 billion, becoming more and more stable, truly giving me, as a small retail investor, a sense of security. To those who are still hesitating, here are a few words from the heart: You don’t need a lot of money; starting with a few hundred dollars is fine.

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.

As an institutional investor or corporate treasury manager, are you still struggling with low-yield cash management? By 2026, DeFi is no longer a retail game — @lista_dao
is rapidly becoming institutional-grade financial infrastructure on the BNB chain. TVL exceeding 3 billion USD, monthly protocol revenue exceeding one million multiple times, and after several milestones by the end of 2025, the 2026 H1 roadmap aims at expanding into the RWA market, fixed-rate lending, and off-chain yield optimization, which is exactly the 'auditable, scalable, and compliant' solution that institutions need. Why do institutions favor Lista's low borrowing cost strategy? Extreme optimization of capital efficiency: mainstream blue-chip collateral such as BTCB/ETH/BNB/slislBNB borrowing rates are only 1.95-3.43% (slisBNB/BNB currently ~1.95%), far below traditional financing costs. After lending lisUSD (USD1), it is directly deployed to @binance

Brothers, it's 2026, are you still letting your BTCB/ETH/BNB sit there like a salted fish and get moldy?
@lista_dao
This guy is too twisted: borrowing lisUSD (USD1) at an unbelievably low interest rate — BTCB/ETH/BNB only 3.41-3.43%! Then toss it into Binance Earn Flexible USD1, currently a stable 8% APR (limited-time booster program, earn it while you can)! The net profit margin starts directly at 4.5%! This isn't arbitrage, it's a 'free lunch + air conditioning WiFi'!
Don't mention the feast of fish: mortgaging slisBNB or PT-USDe, which generate interest, not only earns staking rewards (slisBNB has its own BNB staking APR) but also doubles the profit of lisUSD's 8%, easily breaking 10% annually! I tried a small position and have started to fantasize about retirement. The benefit of low borrowing costs? Let me count the ways (with some complaints): Arbitrage opportunity: borrow 3.43% → earn 8% = net 4.57%, equivalent to getting Binance's money for free! Who still goes to the bank for fixed deposits? Bank: ???

Hey, DeFi players of Binance Square! Are you still letting blue-chip assets like BTCB, ETH, and BNB sit idle? The market is volatile, but @lista_dao
the ultra-low borrowing cost (as low as 0.02%, mainstream assets like BTCB/ETH/BNB around 3.43%) can help you unlock liquidity and achieve near low-risk arbitrage! After lending USD1 (lisUSD), transfer to Binance Earn for a current 8.24% APY stablecoin yield, with a net profit margin easily reaching 4-5%! This is not just borrowing money, but smartly amplifying capital efficiency while HODLing your core assets. $LISTA As a protocol token, you can also earn additional community rewards through veLISTA locking (current APY up to 37%+)! Who says there are no opportunities in a bear market? Let's talk about this strategy~ #USD1 Wealth Management Best Strategy ListaDAO What are the real benefits of Lista DAO's low borrowing costs?

Want to earn stable returns in DeFi without taking high risks? The USD1 lending strategy provided by @lista_dao, through low-interest lending, high returns on Binance Earn, and interest-bearing token rewards, ensures your assets grow safely.
Operation steps
Pledge blue-chip assets
Choose low-risk assets like BTCB, ETH, BNB as collateral, with limits adjustable based on risk preference.
Lend USD1
Utilize Lista DAO's ultra-low lending rate (about 1%) to lend USD1.
Transfer to Binance Earn
Enjoy stablecoin interest earnings of up to 20%, achieving nearly risk-free arbitrage on interest rate differentials.
Receive interest-bearing token rewards

In DeFi investments, returns and risks always go hand in hand. The USD1 lending strategy provided by @ListaDAO achieves a controllable risk and stable return investment method through low-interest lending and Binance Earn input. Below are the detailed operation steps and yield comparison analysis:
Operation Steps
Collateral Assets: Choose blue-chip assets such as BTCB, ETH, BNB as collateral, and adjust the collateral amount according to your own risk preference.
Lend USD1: Use Lista DAO's low lending rate (about 1%) to lend USD1.
Transfer to Binance Exchange: Invest the borrowed USD1 into Binance Earn to enjoy stablecoin interest rates of up to 20%.

在 DeFi 理财中，收益与风险往往呈正相关。@ListaDAO 的 USD1 借贷策略为用户提供了一个低风险、高效率的投资工具，让散户能够在稳健中追求收益。核心在于低借贷成本与灵活资产使用，使收益潜力大幅提升，同时控制了下行风险。

以抵押 BTCB、ETH 或 BNB 等蓝筹资产借出 USD1 为例，借贷利率仅约 1%，相比传统理财和高杠杆操作，风险明显降低。将借出的 USD1 投入币安交易所（Binance Earn），用户可享受高达 20% 的稳定币收益，同时还可获得 Lista DAO 生息代币奖励，实现双重收益。这种收益模式的关键优势在于“本金保全＋收益叠加”，在市场波动中仍能保持稳健。

与直接投资高波动 DeFi 项目相比，Lista DAO 的策略更适合追求稳健回报的散户。通过透明的借贷流程，用户可以清晰看到抵押资产与借贷额度的对应关系，利率低且稳定，避免了传统高杠杆操作可能带来的爆仓风险。同时，多种抵押资产可选，让用户根据自身风险偏好进行组合管理，进一步优化收益与风险比。

风险对比方面：普通 DeFi 高收益项目可能收益率高达数十甚至上百%，但价格波动大，短期内本金损失可能显著；而 Lista DAO 借贷 USD1 的方式，利率低、收益稳定，潜在回报略低于高风险项目，但下行风险显著降低，更适合长期稳健资产管理。

综上所述，Lista DAO 的 USD1 理财策略为普通投资者提供了一个风险可控、收益可观的方案。通过低成本借贷、多元化收益和透明流程，用户可以在 DeFi 生态中实现资产增值，同时参与治理，获得长期价值增长。

#USD1理财最佳策略ListaDAO $LISTA
@lista_dao

在 DeFi 世界中，资金利用效率和风险控制一直是散户投资者关注的重点。@ListaDAO 提供了一种创新方式，让用户可以利用低利率借出 USD1，同时参与多元化收益策略，实现稳健增值。与传统理财相比，Lista DAO 的优势在于低借贷成本和灵活资产使用。

例如，用户可以抵押 BTCB、ETH 或 BNB 等蓝筹资产借 USD1，然后将其转入币安交易所（Binance Earn）享受高达 20% 的稳定币收益。这种方式不仅让本金保持流动性，还能获取 Lista DAO 生息代币奖励，实现收益叠加。一鱼多吃的策略，让散户在无需承担高杠杆风险的情况下，也能接触到机构级的理财方式。

此外，Lista DAO 的借贷机制透明、利率低，使得市场波动对收益影响相对可控。用户可以根据自身风险偏好，灵活选择抵押资产和借贷额度，从而在 DeFi 中实现资金高效运作。同时，通过代币治理参与，用户还能对协议策略提出建议，获得额外激励，真正实现资产增值与生态贡献双重收益。

从操作角度来看，Lista DAO 的流程简单明了：抵押蓝筹资产 → 借出 USD1 → 转入币安理财 → 收益领取与代币奖励，整个过程透明可追踪，风险可控。对于希望在稳健中提升收益的用户而言，这是一条可行且高效的路径。

总结而言，Lista DAO 打破了普通用户在 DeFi 中收益有限的困境，以低成本借贷和多元化收益策略，让每位投资者都能更高效地管理资产，并参与生态治理，实现长期价值增长。

#USD1理财最佳策略ListaDAO $LISTA @lista_dao

在当前 DeFi 生态中，普通投资者往往面临资金效率低、收益有限的问题，而 @ListaDAO 提供了一个低门槛、高效率的解决方案。通过 Lista DAO 的超低借款利率，用户可以借出 USD1 并将其转入币安交易所（Binance Earn），享受高达 20% 的稳定币理财收益，实现近乎无风险的利差套利。这不仅让资金得以最大化运作，也为散户提供了与机构类似的收益策略。

举例来看，抵押 BTCB 借 USD1，仅需 1% 的借贷利率，即可获得约 18% 的收益。而抵押 PT-USDe、asUSDF 或 USDe 借 USD1，则可同时享受生息代币奖励与 USD1 稳定币收益，实现“一鱼多吃”的策略。这意味着投资者不仅可以获取利差收益，还能通过协议代币参与治理和激励分配，增强资产使用价值。

此外，Lista DAO 的低借贷成本让 BTCB、ETH、BNB 等蓝筹资产也能被充分利用。普通投资者无需大量本金，即可尝试多策略组合，实现资金高效增值。通过图示可以直观了解借贷流程：先抵押蓝筹资产借 USD1，再转入币安交易所参与稳定币理财，最后领取利息与代币奖励，整个流程清晰可控，风险透明。

总结来看，Lista DAO 提供的低借贷成本和多元化收益策略，为普通用户打开了 DeFi 的新入口。通过合理使用蓝筹资产和借贷工具，每位投资者都能在稳健中获取更高收益，同时积累治理权利，参与生态建设。对于追求资金效率和收益优化的用户来说，Lista DAO 是值得关注的选择。

#USD1理财最佳策略ListaDAO $LISTA
@lista_dao

从客观角度来看，@Walrus 🦭/acc 是一个专注于DeFi 流动性管理和收益优化的协议。其核心功能包括多资产组合支持、收益激励机制以及治理参与功能。$WAL 代币既是生态激励工具，也是协议治理凭证，持有者可对平台策略和更新提出建议并投票。

技术方面，Walrus 智能合约经过审计，强调透明性和安全性，为用户提供可追踪的资金操作记录。协议支持多种资产组合策略，可在一定程度上分散风险，同时通过流动性激励提升资本效率。

然而，从风险角度来看，Walrus 仍然存在市场波动、智能合约漏洞和流动性紧缩的潜在风险。协议收益表现高度依赖于市场环境和用户参与度，投资者需谨慎评估自身风险承受能力。总体而言，Walrus 提供了一个功能完善、透明度较高的 DeFi 平台，但任何参与都应建立在充分理解风险的基础上。

#walrus $WAL
@WalrusProtocol

作为普通投资者，我关注 @Walrus 🦭/acc 很多原因。首先，Walrus 提供了多资产组合管理和收益优化策略，让小额资金也能参与 DeFi 并获得一定收益。通过持有 $WAL ，不仅可以获得流动性激励，还能参与治理，对协议发展提出建议和投票。
然而，对于普通投资者来说，有几个注意事项必须谨记：
市场波动风险：DeFi 资产价格可能大幅波动，收益不保证固定，投资需量力而行。
流动性风险：虽然 Walrus 提供流动性激励，但在极端市场情况下，资产可能暂时无法自由提现。
智能合约风险：尽管 Walrus 合约经过审计，仍存在潜在漏洞或黑客攻击风险。
收益与风险权衡：高收益往往伴随高风险，普通投资者应根据自身承受能力合理分配资金。
长期观察：参与治理和策略决策是优势，但需长期关注协议更新和生态发展。
总体来说，@walrusprotocol 为普通投资者提供了一个低门槛参与 DeFi、尝试多资产策略的机会，但务必谨慎评估风险，理性参与。$WAL
#walrus

在当前去中心化金融（DeFi）生态中，@Walrus 🦭/acc 脱颖而出，成为一个兼顾 通过智能合约实现多资产组合管理，允许用户在链上灵活配置资金，同时提供流动性激励和收益分配机制。$WAL 代币不仅是协议生态的核心工具，也用于治理投票，使持币者能够参与协议策略决策，从而真正享有生态建设的话语权。

对于普通投资者而言，Walrus 的优势在于其安全性与透明性。所有智能合约均经过审计，并在区块链上公开执行记录，用户资金运作可全程追踪，降低潜在操作风险。同时，协议支持多种资产组合，使投资者能够在不同市场环境下进行资产配置，分散风险。通过 $WAL 持有者激励机制，用户可以获得额外收益，鼓励长期持有和积极参与治理，这对于希望在 DeFi 生态中稳健成长的投资者来说非常有吸引力。

从机构视角来看，Walrus 也提供了可靠的资金管理和策略执行基础。机构投资者可以利用协议的多资产组合功能进行大额资金调度，同时享受自动化收益优化和风险控制策略。Walrus 的架构允许大规模用户交易，而不会出现高延迟或网络拥堵问题，这对于希望在链上进行高效资金运作的机构而言，是重要优势。此外，协议的透明治理和代币经济设计，也让机构投资者在参与生态时能够清晰评估风险和潜在收益。

总体而言，@walrusprotocol 不仅为散户提供了安全、灵活的 DeFi 投资通道，也为机构提供了高效、可控的资金运作工具。代币在治理、收益和激励方面的多重作用，使得整个生态形成了良性循环。无论是希望尝试 DeFi 的新手，还是寻求稳健策略的专业投资者，Walrus 都提供了可靠、透明且可持续的解决方案，为未来去中心化金融生态的发展奠定了坚实基础。

#walrus $WAL
@WalrusProtocol

Among the many public chain projects today, @Vanarchain stands out for its design that balances high performance and community governance. Vanar Chain not only pursues low latency and high throughput in transaction performance but also deeply embeds decentralized governance mechanisms into the protocol, allowing every user holding $VANRY to participate in ecological decision-making. This design meets developers' needs for a fast and stable blockchain while ensuring the community's voice in the direction of project development.

For developers, Vanar Chain provides friendly cross-chain capabilities and an efficient smart contract execution environment, making the construction of decentralized applications (dApp) smoother. Whether it's DeFi, NFT, or gaming applications, Vanar's technical foundation can support large-scale user access and complex logical calculations without excessive worry about network congestion or high fees. This is an important advantage for teams looking to rapidly implement projects.