🎯 Negative 39% Borrow Rates

🏦 Get paid to borrow

By ListaDAO
Jul 23, 2026, 2:26 PM
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Photo by ListaDAO

Lista's bStocks Zone now offers negative 39% APY on borrowing - meaning users get paid to take loans against tokenized stocks.​

How it works:

  • Supply bStocks (SKHYB, QQQB, QCOMB, COINB, SOXLB, NBISB) as collateral
  • Borrow U or USD1 stablecoins against them
  • Earn rewards while borrowing

Phase 3 Campaign Details:

  • Running July 20 - August 9 on BNB Chain
  • $27,500 in bStocks rewards
  • All bStocks markets qualified

The platform supports multiple tokenized stocks including S&P 500 (SPYB), SK Hynix (SKHYB), and others.​ Users can collateralize these assets to borrow USDT, U, or USD1.​

This inverts traditional lending - instead of paying interest, borrowers receive incentives through Lista's emission program.​

Sources

New @Rockaway_X PT Yield Vault live on Lista Lending Deposit USDT and borrow @pendle_fi PT collaterals on @BNBCHAIN: 🔹 PT-reUSD/USDT 🔹 PT-USDG/ USDT 🔹 PT-sUSDE/USDT 🔹 PT-sUSDE/USDT Deposit now and share 25K rewards in $LISTA, $Moolah and $屎壳郎! lista.org/lending/vault/…

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RockawayX
RockawayX
@RockawayX

1/ Our PT Yield vault is now live on @lista_dao! Depositors gain diversified stablecoin exposure from Ethena’s sUSDe (ETH & PLASMA), Paxos’ USDG, and Re’s reUSD, earning yield by lending against @pendle_fi PTs. Access - lista.org/lending/vault/… Full details ↓

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All USR-related loan has been repaid and closed. Total $8.6M repaid, every position closed at full 1:1 USD redemption. Lista Lending remains committed to transparent resolution and full accountability in every situation.

Lista DAO
Lista DAO
@lista_dao

Update on the USR incident: Previously Lista DAO had $8.6M in total USR-related loans. To date, $8.4M has been fully repaid. Every position was redeemed 1:1 at full USD value. Zero loss for users. Zero loss for the protocol. Currently only one position remains with $26K in

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$slisBNB now has an independent risk rating of A. Rating: A. PD: 0.37%. Low risk to hold $slisBNB — and to use it as collateral across Lista Vaults. What went into the assessment: → $655M TVL, 33 months of uninterrupted operation → 9 independent audits, no unresolved critical

Credora
Credora
@CredoraNetwork

The BNB Vault's A rating is built on one asset. slisBNB holds 74.93% of its collateral. @Lista_DAO's liquid staking token now has an independent risk rating from Credora. PD: 0.37%. Rating: A. @BNBChain 🧵

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Want a fixed 1.8% borrow rate on your PT-sUSDe position? Now you can. Fixed-Term borrowing is here for @pendle_fi x @ethena PT-sUSDe/U Market. ▶️ Borrow $U for 30 days at just 1.8% fixed. ▶️Your yield is fixed. Now your borrow cost is too. lista.org/lending/market…

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Lista DAO
Lista DAO
@lista_dao

Borrow $U and earn ~12% APY on stables. Here's the loop: → Buy PT-USDe on @pendle_fi (~3.37% yield) → Use it as collateral on Lista, borrow $U (~0.43%) → Take that $U, buy more PT-USDe Each loop nets you ~2.94% spread. Run it 3–4 times and the yield stacks.

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Before you deposit anywhere, ask two questions. 🧠What's the APY? And what's the PSL? PSL — Probability of Significant Loss — is the annualized chance a vault incurs a meaningful loss. It's calculated bottom-up: every collateral asset, every market, stress-tested and weighted.

Lista DAO
Lista DAO
@lista_dao

New risk ratings for @lista_dao vaults are here 🔷 BNB Vault: A | 0.29% PSL 🔷 USD1 Vault: A- | 0.68% PSL (upgraded from B) 🔷 USDT Vault: B+ | 1.04% PSL @CredoraNetwork independently rates DeFi vaults on Probability of Significant Loss (PSL) — the likelihood of a vault losing

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veLISTA Weekly Benefits are here! The 83rd week of $veLISTA rewards has been distributed: ~419.42K LISTA, up to 40.66% APR! Don't forget to cliam your U/USDT LP rewards! 🔒: lista.org/lock?utm_sourc…

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Lista DAO
Lista DAO
@lista_dao

veLISTA Weekly Benefits are here! The 82nd week of $veLISTA rewards has been distributed: ~595.1K LISTA, up to 62.94% APR! Don't forget to cliam your U/USDT LP rewards! 🔒:lista.org/lock?utm_sourc…

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What is the @Rockaway_X PT Yield Vault? @pendle_fi PTs are fixed-yield, zero-coupon bonds in DeFi. Now you can use them as collateral on Lista and keep that locked-in yield while freeing up borrowing power. Current supply APY: 93.91%🤯 Read More⤵️ blog.lista.org/rockawayx-cura…

Lista DAO
Lista DAO
@lista_dao

141% supply emissions are now live for USDT deposits. 🎁 🔹 Share a pool of 25K in $LISTA and @flapdotsh ecosystem memes $MOOLAH, $屎壳郎 🔹 Window: Apr 20 to Apr 26 Supply and start earning today.

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Lista has resumed the Lending platform. At this stage, suppliers can withdraw, and borrowers in the USDR, wstUSR, and PT-USR markets can repay their loans, but new collateralizing and borrowing are temporarily disabled. We will take full responsibility for the security of

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Lista Earn and Loans, now easy. Deposit, borrow, and track your @lista_dao positions all in one place: @BinanceWallet Defi. This is just the start of what's coming this month.

Binance
Binance
@binance

DeFi, made easy. Binance Wallet DeFi is here: 🔸 40+ protocols 🔸 1,000+ pools 🔸 Earn, Loans & LPs in one place Explore on-chain opportunities with easier position management. Learn more → binance.com/support/announ…

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Depositing $XAUt on Lista via @BinanceWallet just got more rewarding Binance Wallet DeFi Earn assets now count towards Binance Alpha Points. This includes our XAUt Earn pool.🪙 Yield. Campaign rewards. Alpha Points. All from one deposit. Read More👇

Binance Wallet
Binance Wallet
@BinanceWallet

Binance Alpha Balance Points Update: Starting 2026-06-01 00:00 (UTC), assets from Binance Wallet DeFi Earn campaigns, including current and future eligible receipt tokens, will now count towards your Binance Alpha Balance Points. For the list of eligible assets, please refer

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ICYMI: We offer fixed rate borrowing for multiple assets. Most recent markets are supporting PT-sUSDe as fix rate borrowing collaterals. 30 day borrowing rates start as low as 1.8%. Worth a read for our community⬇️

机灵的杰尼君🔶BNB
机灵的杰尼君🔶BNB
@Meta8Mate

杰尼君OpenClaw 团队在经过详细的调研之后,带来了首期项目 @lista_dao ,尽调报告稍后会发在评论区,也是一份全面的项目调查供大家参考。 *** 最近龙虾团队做了一次 DeFi 项目研究,产品逻辑比较特别,值得单独写出来说清楚。 产品是 Lista DAO @lista_dao 的 PT-sUSDe

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160K $LISTA heading to our USDT & USDC Savings Vaults on @ethereum this week 🔵 Only ETH collateral. Low risk. Steady yield. Now with extra $LISTA rewards on top. Plus 233K $LISTA across @Rockaway_X, XAUT & USDT/USDC LP Markets! 📅Apr 27th ~ May 3rd.

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Lista DAO
Lista DAO
@lista_dao

🪙Gold is here on @lista_dao, currently 1310300% APY?? IYKYK: Over 220K $LISTA emissions for grabs! 1⃣XAUT Vault → 50K $LISTA for Vault supply 2⃣XAUT Markets→ 70K $LISTA for borrowing 3⃣USDT/USDC LP → 100K $LISTA 📅4/13 ~ 4/17

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-163.13% APY for using ANY bStocks to borrow! Imagine your bank calling you to say: "Hey, we'd like to pay you to take out a loan today on your stocks." That call isn't coming. But Lista's bStocks Zone is already live.

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Lista DAO
Lista DAO
@lista_dao

Ever wanted to earn SK Hynix bStocks as rewards? Now you can 🎁 Phase 2, Week 2 of bStocks Rewards ⚡ 📥 Supply: $5,000 in $SPCXB 📤 Borrow: $7,500 in $SKHYB Both pools cover all bStocks markets on Lista Lending. Supply, borrow, and earn on both sides.

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Got XAUT (gold)? Two ways to earn with @lista_dao 👇 1️⃣ Deposit into our @BinanceWallet XAUT vault, and earn a simple 6.5% APY 2️⃣ Collateralize XAUT, borrow U and earn up to 26% APY: • +17% APY from the borrow incentive • +9% APY by depositing U into Binance Earn

Lista DAO
Lista DAO
@lista_dao

Experience the lowest borrow rates with @lista_dao Starting now until August 2nd, get paid to borrow. 🟡Borrow @UTechStables U as low as -12.45% 🟡Borrow USDT as low as -7.65% 🟡Borrow USD1 as low as -0.82% Get liquidity from what your HODLing and earn more!

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New $XAUT Vault live on Lista Lending🪙 @tether tokenized GOLD now borrowable against BNB, slisBNB, BTCB, ETH, wBETH, USDT, U, USD1, USDT&USDC LP and slisBNB&BNB LP. Supply your $XAUT and start earning, emissions starting next week🤩 Explore 👉 lista.org/lending/market…

Lista DAO
Lista DAO
@lista_dao

Introducing $XAUT (GOLD) as Collateral on @lista_dao XAUT is now live on Lista Lending. Borrow against tokenized gold at 0.5% borrowing rate and 77% LLTV. 🔹 XAUT/U: 5M Liquidity 🔹 XAUT/BNB: 3M Liquidity 🔹 XAUT/USD1: 2M Liquidity 🔹 XAUT/USDT: 500K Liquidity

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DeFi Season starting ⏩ May 28 $2,000,000 in rewards across @BinanceWallet. @lista_dao: $400,000 in total rewards and more! 🔸 $100K: XAUt Earn 🔸 $300K: Across @gauntlet_xyz USDT Vault and our U & USD1 co-curated vaults Don't miss out! Details: binance.com/en/events/wall…

Binance Wallet
Binance Wallet
@BinanceWallet

To celebrate the launch of Binance Wallet DeFi, we're introducing a series of DeFi campaigns starting May 28, with $2,000,000 worth of total rewards across Earn, Loans, and Liquidity Pools. More #BinanceWallet DeFi campaigns are on the way. Stay tuned for what's coming this DeFi

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Get paid to borrow $U on Lista. Borrow U, join the @BinanceWallet Bitway campaign, and borrow rate is negative! → Borrowing allows you to edge against $U price volatility. → Collateral: USDT & USDC LP, Stablecoin-backed, minimal liquidation risk. lista.org/lending/smart-…

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Binance Wallet
Binance Wallet
@BinanceWallet

Bitway Booster Season 2 is here! 🎉 Season 2 of Binance Wallet Booster Earn with @BitwayOfficial is LIVE. Subscribe at least 100 U in the Bitway U Vault via #BinanceWallet to share $100,000 in BTW rewards! Check it out now👇 binance.onelink.me/mL1z/ybu0mne6?…

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New PT-sUSDe markets added to Lista Lending PT-sUSDe-09APR2026 (Plasma) can now be used as collateral to borrow USDT, USD1, and U: 🔹 PT-sUSDe/USD1: ~0.77% | 1.4M liquidity 🔹 PT-sUSDe/U: ~0.76% | 350K liquidity 🔹 PT-sUSDe/USDT: ~0.77% | 150K liquidity Start now:

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2 days left to lock in ~10% from real-world yield. The @DowProtocol PayFi vault on Lista RWA, earning from Amazon seller receivables, is now open to subscribe. 🔹 10% Yield. 90-day term. 🔹 Auto-rolls at maturity. Subscribe here: lista.org/rwa/3?form=mint

Lista DAO
Lista DAO
@lista_dao

New RWA Vault on Lista: @DowProtocol E-Commerce Financing @DowProtocol 90-day PayFi vault is now available on Lista RWA, backed by cross-border e-commerce receivables from Amazon sellers. 🔹~10% APY, $3.02M cap. 🔹 Subscription window: Apr 2nd ~ Apr 9th 🔹Auto-rolls at

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bStocks Campaign Extended ⚡ Phase 3 is live on @BNBCHAIN, running 4 more weeks with $27,500 in bStocks rewards. Borrow against any bStocks supported on lista and get USDT, U, USD1 liquidity. All bStocks markets are qualified. 📅 Jul 20 to Aug 9 👇 lista.org/lending/borrow…

Lista DAO
Lista DAO
@lista_dao

bStocks Boost Campaign is live✨ $100,000 USDT in total rewards over 4 weeks. Phase 1 (Jun 22 ~ Jul 5) Starting NOW ▶️Deposit SpaceX ($SPCXB) into any market and share $50,000 USDT. Steps: 🔷 Deposit $SPCXB as collateral 🔷 No borrowing required 🔗 lista.org/lending/borrow…

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Where else can you borrow at negative 39%? 👀 Supply your bStocks on Lista, borrow U or USD1 against them, and earn while you do it. SKHYB, QQQB, QCOMB, COINB, SOXLB, NBISB and more, all live in the bStocks Zone 👇

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Lista DAO
Lista DAO
@lista_dao

How to deposit bStocks and borrow on Lista 1️⃣ Go to Lending → Borrow → Select bStocks Zone 2️⃣ Choose your collateral and the asset you want to borrow 3️⃣ Deposit collateral, then select your borrow amount Deposit any bStocks and earn 21.01% APY! → lista.org/lending/borrow…

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Ever wanted to earn SK Hynix bStocks as rewards? Now you can 🎁 Phase 2, Week 2 of bStocks Rewards ⚡ 📥 Supply: $5,000 in $SPCXB 📤 Borrow: $7,500 in $SKHYB Both pools cover all bStocks markets on Lista Lending. Supply, borrow, and earn on both sides.

Lista DAO
Lista DAO
@lista_dao

Introducing bStocks Boost Campaign. Deposit your bStocks and share $100,000 in rewards. Phase 1 (Jun 22 ~ Jul 5): SpaceX ($SPCXB) exclusive. Phase 2 (Jul 6 ~ Jul 20): More details coming soon. Get your $SPCXB ready. Campaign rules will be announced on June 22nd.

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✨200K $LISTA Borrow Emission Extended! Another week for USDC & USDT LP markets on Smart Lending. 📅Duration: 4/6 ~4/13 Join now and enjoy negative borrowing rates.

Lista DAO
Lista DAO
@lista_dao

200K $LISTA borrow emissions are live. Net borrow rates after emission: → USDC & USDT / USD1: -0.94% → USDC & USDT / U: -2.32% → USDC & USDT / USDT: -0.18% 📅 3/30 – 4/5 Note: UI on our website will be updated shortly. 🔗lista.org/lending/borrow…

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New PT-srUSDe and PT-USDe markets added on Lista Lending. PT-srUSDe-02APR2026 and PT-USDe-07May2026 are now live, with total 5M liquidity across markets: 🔹 Collateralize PT-srUSDe-02APR2026 → Borrow USDT and U 🔹 Collateralize PT-USDe-07May2026 → Borrow USD1, USDT, and U

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New risk ratings for @lista_dao vaults are here 🔷 BNB Vault: A | 0.29% PSL 🔷 USD1 Vault: A- | 0.68% PSL (upgraded from B) 🔷 USDT Vault: B+ | 1.04% PSL @CredoraNetwork independently rates DeFi vaults on Probability of Significant Loss (PSL) — the likelihood of a vault losing

Credora
Credora
@CredoraNetwork

BNB Chain's largest lending protocol now has independent risk ratings. Three @Lista_DAO vaults. Three different risk profiles. Here's the full technical breakdown: collateral PD through to final vault PSL 🧵

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Risk ratings are now live for Lista Vaults @CredoraNetwork has rated all three Lista Vaults: BNB, USDT and USD1. The results speak for themselves, Lista Vaults are among the safest places to deploy stablecoin capital in DeFi. How do they actually evaluate safety: → Every

Credora
Credora
@CredoraNetwork

The @BNBChain's leading lending protocol. Three @Lista_DAO curated vaults with $4.5B+ peak TVL. Ratings are live across all three. The spread comes down to collateral. Which vault got what 🧵

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Update on the USR incident: Previously Lista DAO had $8.6M in total USR-related loans. To date, $8.4M has been fully repaid. Every position was redeemed 1:1 at full USD value. Zero loss for users. Zero loss for the protocol. Currently only one position remains with $26K in

Resolv Labs
Resolv Labs
@ResolvLabs

Over the past 2 days, $77M+ has been redeemed for allowlisted wallets with pre-exploit USR, representing 90%+ of this group and marking strong progress in phase one of recovery. Next: • Redemption process for this group is actively being completed • Work on subsequent phases,

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Read more about ListaDAO

📈 Lista Expands bStocks Collateral Options with 10 New Tokenized Securities

📈 Lista Expands bStocks Collateral Options with 10 New Tokenized Securities

Lista Lending has added **10 new tokenized U.S. stock collateral options** to its platform on BNB Chain. The newly supported bStocks include: - AAOIB, ARMB, AVGOB, BABAB, HOODB - IBMB, MRVLB, NOKB, RKLBB, TSMB Users can now **supply these tokenized securities as collateral** and borrow U, USDT, or USD1 against their positions. This expansion follows Lista's recent pattern of rapid growth, having added 9 bStocks collateral options just one week prior and 5 more the week before that. The platform now supports a **growing range of tokenized U.S. securities** as collateral for decentralized borrowing. Lista operates as the first lending protocol on BNB Chain to support 1:1-backed U.S. securities, offering 24/7 on-chain access to borrowing against traditional market assets. [Access Lista Lending](https://lista.org/lending/borrow?zone=bstocks)

Lista DAO Expands Curator Network on Ethereum with Partnership Funding

Lista DAO Expands Curator Network on Ethereum with Partnership Funding

Lista DAO is growing its curator network on Ethereum mainnet, offering ecosystem and partnership funds to support the expansion. **Who they're looking for:** - Curators - Whales and treasuries - Protocols seeking dedicated markets This follows their presence at ETH Dubai Conference earlier this year, where curators from MEV Capital, Mellow Protocol, Cork Protocol, and Catalysis demonstrated advances in network security. Interested parties can reach out to partnerships@lista.org to explore opportunities.

Lista DAO Introduces bStocks: Tokenized Real Stocks as Collateral for Stablecoin Borrowing

Lista DAO Introduces bStocks: Tokenized Real Stocks as Collateral for Stablecoin Borrowing

**What are bStocks?** bStocks are tokenized versions of real U.S. stocks brought onchain, including major names like SPY, QQQ, Google, Coinbase, NVIDIA, Tesla, and SpaceX. **Key Features on Lista:** - Borrow stablecoins against your tokenized stock holdings - Maintain full exposure to stock price movements without selling - Access liquidity 24/7 through the first lending protocol on BNB Chain supporting 1:1-backed U.S. securities **Available Assets:** Users can collateralize stocks from companies including NVIDIA, Tesla, Circle, Micron, SanDisk, and SpaceX to borrow Lista's decentralized stablecoin, lisUSD. The protocol operates fully onchain, allowing users to unlock liquidity from their stock positions while keeping their market exposure intact. [Learn more about bStocks](https://lista.org/lending/borrow?zone=bstocks) | [Read the announcement](https://blog.lista.org/introducing-bstocks-as-collateral)

Lista DAO Offers Negative Borrow Rates Through August 2nd

Lista DAO Offers Negative Borrow Rates Through August 2nd

Lista DAO is running a promotional campaign until August 2nd offering negative interest rates on borrowing, meaning users get paid to borrow. **Available rates:** - Borrow U (UTechStables): as low as -12.45% - Borrow USDT: as low as -7.65% - Borrow USD1: as low as -0.82% The promotion allows users to access liquidity from their held assets while earning returns. Lista DAO is a liquidity protocol that enables users to earn yields on collateralized crypto assets and borrow lisUSD, their decentralized stablecoin. Learn more at [lista.org](https://lista.org)

Lista DAO Launches XAUt Vault with $100K Reward Pool

Lista DAO Launches XAUt Vault with $100K Reward Pool

Lista DAO has integrated a new XAUt (tokenized gold) vault on Binance Wallet, offering users a share of $100,000 in LISTA tokens. **Key Features:** - Deposit XAUt into the vault through Binance Wallet - Borrow XAUt against multiple collateral types with competitive rates - BTCB: 0.03% interest rate - USDT: 0.04% - slisBNB: 0.05% - BNB: 0.08% - USDC&USDT LP: -0.22% (negative rate, meaning borrowers earn) The integration builds on Lista's recent Binance Wallet partnership, which consolidated deposit, borrowing, and position tracking into a single interface. XAUt represents Tether's tokenized gold product, allowing users to gain exposure to gold prices while participating in DeFi lending markets. [Access the XAUt market](https://lista.org/lending/market/bsc/0xe111421373e0aed9a1ed9c59627849c05d3e0912fe31deb7f460523ff331420d?tab=market)

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