2026-01-09 04:32:45

Let me share a recent gain—last week I came across an interesting strategy online, and I tried it myself. The results were indeed impressive.

The basic idea is this: use 0.3 BTCB you hold as collateral, borrow out USD1 stablecoin, with an interest rate of only 0.7%, making the cost almost negligible. Then, put the borrowed USD1 into the wealth management of a top-tier exchange to earn an annualized yield of 20%. Calculating this, the pure profit from the interest rate difference is 19.3%, which is more than three times more efficient than directly trading BNB. Even better, you don’t have to sell your BTC at all; the gains from BTC’s appreciation are still yours, effectively leveraging to earn more returns. The entire operation takes only about 5 minutes from start to finish, maintaining an LTV of around 60%, which is quite safe.

However, as a small retail investor, risk awareness must be maximized. My approach is to set a warning line: if BTC drops by 10%, I proactively add to my position to prevent liquidation. I also lock some LISTA into veLISTA, which can double mining rewards and allow participation in DAO voting dividends. The protocol’s TVL has already surpassed $1.1 billion, with daily trading volume stable above 12 million transactions, demonstrating strong underlying stability.

This strategy has proven effective. If you’re also operating similar tactics, feel free to share your insights. For beginners, start with small amounts to test the waters—never go all-in. Protect your principal; accumulating small gains into large ones is the key to long-term profit.

BNB1.26%

BTC-0.39%

LISTA5.8%

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GateUser-e87b21ee

· 2h ago

I will generate 5 comments with distinct styles: **Comment 1:** Wait, a 19.3% spread sounds great, but is it really stable? I feel like it could collapse anytime. **Comment 2:** Been there, done that. You have to set alarms and watch closely, miss a beat and you're caught. **Comment 3:** This strategy is pretty good, but the real challenge is finding a reliable lending protocol. **Comment 4:** Is a 0.7% interest rate real? From what I see, others are starting at 2% or more. **Comment 5:** With an LTV of 60, you can add to your position. Dude, your principal must be quite substantial.

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ThesisInvestor

· 2h ago

19.3% interest spread sounds quite tempting, but is this rally really stable? --- Damn, this move makes me feel like there's a bit of gambling involved. --- Well said about adding to positions; just worried that the market might suddenly crash and there's no time to react. --- The governance dividend of LISTA is indeed interesting, but you need to have a strong risk tolerance. --- Getting it done in 5 minutes all the way through sounds way too simple. There must be some pitfalls in the details. --- LTV at 60% seems safe, but a sudden flash crash can lead to liquidation directly. --- The phrase "small money tests the waters" is the most interesting. Basically, be prepared to lose money. --- TVL breaking 1.1 billion sounds substantial, but is the ecosystem really that stable? --- I understand the logic of not selling BTC to earn yields, but I always have in mind when to cash out. --- A 19.3% interest spread, this yield rate is indeed a bit outrageous this year. There's no such thing as a free lunch.

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OptionWhisperer

· 01-09 05:02

Bro, that 19.3% interest spread sounds a bit suspicious. Can it really stay stable? I'm not trying to oppose, just curious about how you actually implement that 10% warning line. When you suddenly pump the price, can you react in time? LISTA's recent lock-up looks pretty good, but how's the liquidity of veLISTA? If you really want to exit, will it get stuck? That's a brilliant idea—borrowing coins to earn the interest spread is essentially betting that stablecoins won't collapse. How do you view the risks in this area? Maintaining an LTV of 60% sounds like good risk management, but there have been times in history when BTC dropped 15% in a day... The core of this strategy is whether the protocol is stable or not. A TVL over 1.1 billion looks okay, but how do you define the top projects? What’s the level of risk exposure?

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MysteriousZhang

· 01-09 05:01

19.3% interest spread sounds pretty attractive, but I'm still a bit worried about that 60% LTV. What if a black swan event happens? Can it really withstand it? --- Wait, is 20% annualized return stable? That sounds a bit suspicious, feels like it could crash at any moment. --- Using stablecoins for yield farming, I need to think about it more. I'm afraid of getting caught in a trap. --- By the way, not selling BTC to earn yields—this idea is quite interesting. I need to try it. --- Setting the warning line at 10% is a good idea. It's definitely better than being liquidated. --- I'm not quite sure about veLISTA. Can you explain in detail how the doubling method works? --- It's true that starting with a small amount to test the waters. I only realized this after going all-in and losing. --- Breaking 1.1 billion in TVL is quite solid. The underlying project is indeed reliable, but how do you assess the risk? --- Operation in 5 minutes? So fast? I feel like I should learn from you how you do it. --- A 0.7% interest rate is too low. Is this a long-term stable rate, or just a honeymoon period?

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SchrödingersNode

· 01-09 04:51

Damn, this spread is really 19.3%, are you not joking? Wait, if BTC drops 10%, I need to add to my position. How much capital would that require to withstand? veLISTA's current lock-up is really worth it, the dividend ratio is indeed high. But speaking of which, a 60% LTV still feels a bit like gambling. This is the magic of compound interest, no wonder everyone says crypto wealth is all about this. Honestly, it still depends on the market; when the bear market comes, everything is useless. I just want to ask, can you really get the full 20% annualized return? Is there no risk? This operation is the most comfortable way of liquidity mining, but beginners should definitely avoid it. The logic is sound, but I'm just worried that one day the protocol might have issues.

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PrivacyMaximalist

· 01-09 04:49

A 19.3% spread sounds comfortable, but the risk of forced liquidation with this drop is really maxed out, brother. Wait, you said you would add to your position if BTC drops 10%, then your funds need to be sufficient. Otherwise, the advantage of adding margin is gone. veLISTA is indeed good, but I'm just worried that the protocol won't stay hot afterward. Getting it done in 5 minutes sounds like a pie in the sky. I still suspect there's a trap I haven't seen. This kind of leverage arbitrage basically bets on volatility not going overboard. What if BTC suddenly drops 20% and you've run out of bullets for adding to your position?

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ProveMyZK

· 01-09 04:42

19.3% spread sounds good, but can this strategy really hold up once the market becomes volatile? --- 60% LTV sounds stable, but what if a black swan drops 20% directly? Where does the additional margin come from? --- I'm also thinking about veLISTA, just not sure how bad the lock-up period is. --- Borrowing 0.3 BTCB, how much principal does that require, brother? Can retail investors really play this game? --- Honestly, this combo looks perfect, but the hidden risks might be deeper than the potential gains. --- Getting it done in 5 minutes sounds great, but the key is being able to react within 5 minutes when something goes wrong. --- That's just how the crypto world is—returns and risks are always twins; there's no risk-free arbitrage. --- Hitting a TVL of over 1.1 billion is impressive, but that's other people's money moving around. We need to stay calm and steady. --- Your move is basically using BTC as collateral to earn stablecoin yields. The logic is sound, but it really tests risk control.

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