Veterans Reveal How They're Earning 10% While Borrowing at 2% on Lista
Veterans Reveal How They're Earning 10% While Borrowing at 2% on Lista
🔁 The 2% to 10% Loop
Lista DAO's latest guide reveals advanced DeFi strategies that experienced users employ to maximize returns through their lending protocol.
Key strategies include:
- slisBNB Looping: Stake BNB, use it as collateral to borrow more BNB, repeat up to 28 times for 100%+ APR
- PT-clisBNB Fixed-Yield Farming: Lock in predictable 8-10% yields per loop through Pendle Finance integration, reaching 30-40% APR with 4 loops
- Stablecoin Strategies: Use PT-USDe for stable 7-8% yields, loop up to 4 times for 22-30% returns
- Launchpool Participation: Collateralize USD1 to borrow BNB, stake for 18% APR from staking plus Binance Launchpool rewards
The mechanics work through capital efficiency: Users deposit assets as collateral, borrow against them, reinvest borrowed funds, and repeat. Each loop amplifies returns but increases liquidation risk.
Main risks to consider: Interest rate fluctuations when utilization exceeds 90%, liquidation if collateral value drops, and 7-day withdrawal periods for unstaking.
The protocol maintains over $2B in Total Value Locked across its CDP system, liquid staking, and lending platforms.
How are people borrowing at 2% and earning 10%? Looping, yield farming with stables, Launchpool strategies — Crypto Lending Pt. 2 breaks down what the veterans actually do on Lista. Full article: blog.lista.org/what-is-crypto…
Lista DAO Proposes Major Tokenomics Overhaul: veLISTA Phase-Out and Buyback Model
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)
🎯 Lista DAO Launches 200K LISTA Borrow Emissions with Negative Net Rates
**Lista DAO has activated 200K $LISTA borrow emissions**, creating negative net borrow rates across multiple markets: - **USDC & USDT / USD1**: -0.94% net rate - **USDC & USDT / U**: -2.32% net rate - **USDC & USDT / USDT**: -0.18% net rate This means borrowers are effectively **earning rewards** while borrowing stablecoins. The emissions run from March 30 to April 5, 2026. **Recent USR Incident Resolution**: Lista DAO successfully resolved $8.4M of $8.6M in USR-related loans with zero losses to users or protocol. Only one $26K position remains outstanding. The platform continues expanding with new markets, fixed-rate borrowing options, and weekly veLISTA rewards distributions maintaining 20%+ APR. [Start borrowing with emissions →](http://lista.org/lending/borrow?onlySmartLending=1&utm_source=x&utm_medium=promo&utm_campaign=0330)
Lista DAO Brings Traditional Finance Yields On-Chain via BNB Chain
Lista DAO has launched Real World Asset (RWA) offerings on BNB Chain, enabling users to earn traditional finance yields without leaving the blockchain. **Available Yields:** - U.S. Treasury Bills: 3.65% APY - AAA-rated Corporate Bonds (CLOs): 4.71% APY Users can deposit USDT directly on-chain to access these yields, with the ability to buy and redeem positions natively on BNB Chain. Lista DAO is the first platform on BNB Chain to offer native RWA exposure. The platform operates as an open-source liquidity protocol, allowing users to earn yields on collateralized crypto assets while maintaining their on-chain presence. [Access Lista DAO RWA](https://lista.org/rwa)
Lista Lending Expands with Six New Fixed-Rate Markets
Lista Lending has launched **six new fixed-rate borrowing markets**, adding support for BTCB and slisBNB as collateral across USDT, U, and USD1 markets. **Key Features:** - Fixed borrowing rates starting at **1.64% for 30 days** - **$13 million+ in available liquidity** - Users can lock in rates and borrow stablecoins against BTC and liquid staked BNB This expansion builds on Lista's recent market additions, including PT-sUSDe and USDe collateral options. The platform now offers both traditional collateral-based borrowing and its newer Lista Credit system for non-collateral loans. Fixed-rate borrowing provides predictable costs for users, contrasting with variable-rate DeFi lending. The addition of BTCB and slisBNB broadens collateral options for borrowers seeking stable financing terms. [Start borrowing](https://lista.org/lending/borrow?utm_source=x&utm_medium=promo&utm_campaign=0312)