There is a popular activity in the BNB Chain ecosystem—low-interest borrowing and high-yield investment arbitrage. By leveraging borrowing rates of 1-5% and financial products with up to 20% APY offered by leading exchanges, even beginners can easily earn a stable income.

**How to operate? The core is four words: borrow low, deposit high.** Collateralize blue-chip assets on BNB Chain to borrow USD1, then deposit into financial products to earn interest. Taking BTCB as an example, the borrowing rate is only 1-2%, while depositing can earn 20% APY. The 19% interest rate difference is your profit. What’s considered friendly? Starting with just 0.1 equivalent BTCB, it’s not that intimidating.

Advanced players have more options. You can collateralize ETH (wBETH) or BNB (slisBNB), with rates fluctuating between 1-3%. Among them, slisBNB can also earn an additional 4-6% staking yield, which is quite cost-effective for users aiming for large-scale deployment. ETH is suitable for amounts over $5000, with relatively lower liquidation risk.

**How to actually do it?** First, connect your wallet to BNB Chain, prepare collateral assets and some BNB for Gas fees. Second, go to the lending platform’s Supply page and deposit your assets. Here’s a key point: keep the collateral ratio above 150%, and control the borrowed amount within 50-70% for better risk management. Third, borrow USD1, input the amount you want, then transfer to the financial account. The last step is to choose a suitable investment period and wait for the returns.

In simple terms, it’s about exploiting market interest rate differences—borrowing coins at the lowest cost and depositing at the highest yield. Even without a professional financial background, you can get started as long as you understand your collateral ratio and risk tolerance.