Lista Lending Expands with Six New Fixed-Rate Markets

Fixed-term lending markets have introduced streamlined position management features that eliminate the need for manual repayment and reborrowing. **Key Updates:** - **Direct conversions**: Users can now convert flexible lending positions to fixed-term rates with a single click - **Instant renewals**: Expired fixed-term positions can be renewed directly without going through the repay-and-reborrow process - **Rate locking**: Lock in your preferred rate directly from existing positions These features build on the Fixed Rate Loan system introduced earlier, which offers predetermined terms and rates for both borrowing and supplying crypto assets. The updates aim to reduce friction in position management while maintaining rate certainty for users.

Lista DAO is introducing **Lista Credit**, a new borrowing mechanism that eliminates the need for collateral in DeFi lending. **How it works:** - Traditional DeFi: Post collateral → borrow less than deposited → repay - Lista Credit: Build on-chain history → borrow instantly → no collateral required The protocol now offers **two borrowing paths**: 1. Collateral-based borrowing (traditional DeFi approach) 2. Lista Credit (non-collateral borrowing for qualified users) **Key benefits:** - Faster access to credit lines - No need to lock up assets as collateral - Qualification based on on-chain activity history Users of [Binance Wallet Keyless](https://www.binance.com/wallet) may already have access to Lista Credit, with broader rollout planned. The system aims to bring traditional credit concepts to blockchain, offering flexibility based on individual needs and circumstances.

Lista DAO announced that borrow emissions on USDC and USDT markets will be extended next week. The protocol hinted at additional developments in the works. **Key Points:** - Borrow emissions extension applies to USDC and USDT markets - Implementation scheduled for next week - Additional unannounced features in development This follows the recent extension of the USDC & USDT LP campaign through March 22, which allows users to deposit LP tokens on Smart Lending, earn rewards, and borrow against their positions. The extension provides continued incentives for users participating in Lista DAO's lending markets.

Lista DAO has introduced a new Real World Asset (RWA) vault in partnership with DowProtocol, offering exposure to cross-border e-commerce financing. **Key Details:** - 90-day PayFi vault backed by Amazon seller receivables - ~10% APY with $3.02M capacity cap - Subscription period: April 2-9, 2026 - Auto-rolls at maturity; exit available before Day 83 **About DowProtocol:** Dowsure completed Series C funding with backing from HSBC and Ant Group, bringing institutional credibility to the offering. This launch expands Lista's RWA product suite on BNB Chain, which previously included U.S. Treasury Bills (3.65% APY) and AAA-rated CLOs (4.71% APY) introduced in January 2026. [Learn more about the vault](https://blog.lista.org/lista-%C3%97-dowsure-new-rwa-product-on-the-bnb-chain)

Lista DAO has introduced **LIP 024**, proposing a complete restructuring of $LISTA tokenomics. The proposal eliminates the veLISTA staking mechanism, allowing all locked tokens to be released penalty-free. **Key changes include:** - **Simplified governance**: Holding $LISTA becomes the only requirement for voting eligibility, with LP pool voting being phased out - **Revenue model shift**: Revenue sharing for veLISTA stakers replaced with protocol-funded $LISTA buybacks, tracked via public dashboard - **Expanded utility**: New "delayed liquidation" feature launching Q2 2026 to increase token use cases The proposal marks a departure from the previous deflationary approach (LIP 016) that locked 40% of buyback tokens permanently. Instead, buyback funds will support protocol growth and user benefits. **Voting runs until April 2, 2026** at 8:20 AM UTC. A "Yes" vote approves implementation of Tokenomics 2.0, while "No" maintains the current veLISTA model. [Vote on Snapshot](https://snapshot.org/#/s:listavote.eth/proposal/0x1a15347f6b452049212bdf51ff1a46c0a7edf7ca8efe1004b32c15c2965f0f3b)