The most heartbreaking experience in a bull market is this: you’re optimistic about a certain coin (like BNB) breaking new highs, but your funds are already fully invested, and you can only watch it surge.

At this point, many people will go to the exchange to open a contract and add leverage to gamble. But I never do that—contract funding rates are a bottomless pit, and a slight mistake can lead to liquidation.

My approach is a "rolling leverage" mode using on-chain lending, making it feel like my bullets never run out.

**How does it work?**

Suppose you have 100 BNB. The first step is to deposit BNB into a lending protocol, collateralize it into tokens, and then borrow 50% of its value in USD1 stablecoins. The second step is to exchange the USD1 for 50 BNB spot. This way, you instantly control the price movement of 150 BNB. If you want to be more aggressive, you can continue looping—deposit the newly acquired 50 BNB, borrow again... but usually, a 1.5x leverage is enough.

**Why is this more comfortable than contracts?**

Exchange contracts require paying a funding fee of about 0.1% to 0.3% daily, which can eat up dozens of points over a year. In contrast, the on-chain lending mode has an annual interest rate of about 1%, making holding costs almost negligible.

The mindset is also completely different. As long as BNB isn’t cut in half directly, this position remains quite safe. Short-term fluctuations of 5% or 10% won’t scare anyone, and it won’t suddenly be liquidated like with contracts.

The returns are also quite interesting. If BNB rises from 600 to 900, a 50% increase, your 150 BNB will gain 75 points. The leverage effect is fully demonstrated.