2026-01-08 02:24:47

The reason why Lista DAO has recently become popular is simple—borrowing is cheap. With an annualized lending rate of only 5%, it is already quite competitive in DeFi.

What can this advantage be used for? Someone came up with a good strategy: borrow USD1 stablecoins, then transfer them to a leading exchange's financial product, locking in an annualized return of 20.05%. Comparing both sides, borrowing at 5% and earning 20% yields a net profit approaching over 15%. It sounds like risk-free arbitrage, and in fact, it’s quite similar.

But truly clever strategies go beyond this. What if your collateral itself generates income? For example, assets like PT-USDe, asUSDF, or USDe, which come with native yields. In one position, you can earn three streams of income: the interest from the collateral asset itself (USDe from PT-USDe yields around 19% APY), the lending interest from USD1 (20%), and additional returns from exchange financial products. Layering these together, the overall yield can be significantly increased.

This is especially useful for users holding blue-chip assets who want to unlock liquidity. No need to sell tokens—just collateralize your existing top-tier assets to borrow stablecoins and earn higher yields. Moreover, during market volatility, this strategy can help you hedge risks—your core assets remain untouched, only their collateral value is used.

Overall, Lista DAO’s low borrowing costs break down financing barriers, allowing users to more flexibly combine the advantages of DeFi and CeFi, fully unlocking the value of their assets.

LISTA0,89%

USD10,01%

USDE0,01%

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GhostAddressHunter

· 12h ago

Wait, can a 15% net profit really be stable? I have a feeling something's not right.

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LiquidationTherapist

· 01-09 07:48

5% borrow to earn 20%, sounds good, but I'm worried leverage will eat up everything.

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ConsensusDissenter

· 01-08 08:08

5% lending is really a dead end, but this set of operations sounds a bit too perfect, huh? --- Cross-chain arbitrage is getting more competitive; who still dares to say DeFi has no opportunities? --- Wait, if this is truly risk-free arbitrage, big players would have drained the liquidity long ago. --- Layering strategies sound great, but I'm just worried that the risks are also stacking up. --- I love that I don't have to sell coins; finally, a protocol that considers the pain points of holders. --- 20% returns on financial products? That seems too high. Why do I always feel something's wrong? --- Why aren't more people using PT-USDe and these assets that can generate yields so effectively? --- Borrow at 5% to earn 20%—just hearing it makes me think it's a trap.

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fren.eth

· 01-08 02:51

Wait, a 15% return sounds good, but that assumes the exchange's financial products won't blow up, right?

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Rekt_Recovery

· 01-08 02:49

ngl this smells like copium with extra steps... seen this movie before, ends with liquidation ptsd fr fr

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ThesisInvestor

· 01-08 02:46

Damn, isn't this the DeFi version of "nested yield farming"? Can it really generate over 15% after stacking layers? --- Wait, what about the risks of this strategy? Isn't liquidation risk considered? --- 5% borrowing interest combined with 20% yield farming—are centralized exchanges really that trustworthy? --- PT-USDe offers a 19% APY? How long can this number last... --- Is no one worried that these "risk-free" arbitrages might suddenly turn into "inevitable explosions"? --- Honestly, it all comes down to the collateral price not dropping. During high volatility, liquidation can still happen. --- Why haven't vampire arbitrageurs drained such a good opportunity?

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StablecoinArbitrageur

· 01-08 02:43

actually, hold up—those stacking yields don't account for liquidation risk when correlation shifts. tested this exact structure, sharpe ratio collapses during volatility spikes.

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FunGibleTom

· 01-08 02:40

Wait, is this really risk-free arbitrage? Earning 5% by borrowing at 20%, it feels a bit too good to be true. The strategy of earning interest by borrowing coins is indeed clever, but I always feel like something's off... Lista's 5% lending rate is really aggressive, catching the market off guard. It's another layer of compounded returns, another risk-free arbitrage story—this story is just too smooth. Using existing assets as collateral to borrow stablecoins is a good idea, but I'm worried that as more people join, the risk will also increase. A 5% borrowing cost in DeFi is quite aggressive, but what happens if more people start playing this game? It seems like Lista is trying to attract liquidity with low interest rates—who knows how long this tactic can last.

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TokenStorm

· 01-08 02:32

Wait, a 15% net profit? I need to backtest this number; something feels off. Borrowing at 5% to earn 20% sounds great, but on-chain data shows that such arbitrage opportunities usually don't last long. Layered returns... the risk factor also has to go up. Why does the article avoid mentioning this? Holding blue-chip assets as collateral to arbitrage—aren't you just betting that the exchange's financial products won't collapse? Talking as if it's risk-free, I just smile. Projects that said the same last year, where are they now?

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PoolJumper