Want to earn stable income without gambling on market fluctuations? Today let's talk about a good low-risk strategy: using BTCB as collateral → borrowing USD1 → connecting to financial products. Relying solely on interest rate arbitrage, you can lock in an annualized return of nearly 18%, and the operation process is not complicated.

**How to do it? Four steps to get it done**

First, you need BTCB (important: it must be the BSC chain version to be compatible with ListaDAO). Beginners are advised to start with an equivalent of $1,000-$3,000 USD to test the waters. Also, reserve some BNB for gas fees to avoid getting stuck halfway through the operation.

Visit the ListaDAO official website, connect with a BSC wallet holding BTCB. Go to the supply page, deposit BTCB as collateral. Then switch to the borrowing page, select the USD1 borrowing pool, enter the amount, and confirm. Good news here: the borrowing cost is about 1% annualized, which means the cost of borrowing is very low.

Next, once USD1 arrives, transfer it to your exchange account (make sure to verify the address carefully to avoid mistakes). After logging in, find the financial section, and search for high-yield products related to USD1. Currently, these products typically have an annualized return around 20%.

Select the product, purchase it, and then just leave it — interest is calculated automatically daily, and the interest accumulates automatically. If you want to release the collateral later, do the reverse operation: redeem the financial product → exchange for USD1 → repay the loan → retrieve BTCB. Throughout this process, you are essentially leveraging the lowest borrowing cost to access high-yield products, and the interest rate difference becomes your profit.

The biggest advantage of this strategy is its high predictability; you don’t need to gamble on the price movement of the coin, and the risk is relatively controllable. Of course, the premise is to choose the right collateral ratio and product term, and avoid over-leverage. Those interested can try with a small amount to experience the logic of DeFi financial management.