Lista DAO Re-poster

Reduced borrowing rates for CDP Zone 📉

We have updated our IRR metrics to deliver lower borrowing costs across the Lista CDP ecosystem.

**Key Changes:**

🔹 **Borrow Rates:** Rates have been reduced across all supported collateral types.
🔹 **PSM & LSR:** Yields are temporarily lower; however, they will be stabilized with updated emissions starting next week.
🔹 **Fix-term Lending:** Rates have also been reduced to 2.74%.
🔹 **Rebates:** Please note that the lisUSD rebate program is currently paused.

Lista DAO 2026 H1 Roadmap

We are excited to share our **Key Product Expansions For H1**:

🔹 **Stableswap Hub**: Featuring @ethereum Deployment & Aggregator Integrations
🔹 **RWA Zone**: Incorporating Corporate Bonds & Expanded Token Utility
🔹 **Onchain Credit Lending System**
🔹 **Prediction Market Based Vaults**

View the **Full Roadmap** here: https://blog.lista.org/lista-dao-2026-h1-road-map

Unlock Earnings with $U 🪙

Leverage your assets by borrowing @UTechStables $U on Lista Lending, then redeploy the funds to secure ~20% APY via HTX Earn.

Current borrow markets available on Lista:
🔹 PT-USDe / U: ~1.85% borrow APR
🔹 BNB / U: ~2.11% borrow APR

Earning with $U🪙

Borrow $U on Lista Lending and redeploy the funds to earn ~20% APY on HTX Earn.

Current borrow markets on Lista:
🔹 PT-USDe / U: ~1.85% borrow APR
🔹 BNB / U: ~2.11% borrow APR

How to earn with lending? 👀

Here is a simple illustration of earning through Lending with PT-USDe ⤵️

Get PT-USDe ▶️ Collateralize it and borrow USD1 ▶️ Deposit into Binance Earn.

Note: This post is for informational purposes only and does not constitute financial advice.

Quick Lending Overview on @lista_dao

👉 **Classic Zone** — Experience flexible P2P lending featuring low, market-driven rates. Simply collateralize blue-chip assets to borrow USDT, USD1, U, BNB, and others.

👉 **Smart Lending** — Utilize LP-based borrowing, allowing you to earn DEX LP fees while simultaneously using your assets as collateral.

👉 **Fixed Rate & Term** — Secure a locked rate and fixed duration, built specifically for predictable costs and arbitrage strategies.

Multiple Earning Channels on @lista_dao

If you are seeking simple, low-effort yield, Lista has you covered:
👉 BNB (Liquid Staking): 7.2% APY
👉 USDT (PSM or RWA): 4~8% APY
👉 USD1 (Lista Lending Earn): ~10% APY

No complex strategies or position management are required.

Access USD1 yield with reduced borrowing costs.

Lista lending offers one of the most cost-effective ways to participate in the 20% USD1 yield on @binance Earn.

Borrow USD1 on Lista:
🔹 BTCB → USD1
Borrow rate: ~1.64%

🔹 PT-USDe → USD1
Borrow rate: ~2.08%

RWA is officially available on @lista_dao.

Starting today, enjoy open access on-chain.

Lista is the first platform on @BNBCHAIN to offer native RWA exposure, enabling users to deposit USDT and receive yield.

🔹U.S. Treasury Bills — 3.65% APY
🔹AAA-rated CLOs — 4.71% APY

🔗

slisBNB/U lending market strategy👀

If you hold BNB, here is how you can earn up to +27.52%:

1⃣ Stake BNB into slisBNB
2⃣ Collateralize slisBNB and borrow $U for 0.03%
3⃣ Delegate your slisBNBx to @BinanceWallet
4⃣ Deposit $U into HTX Earn for 20%

slisBNB/U Market:

Wondering how to earn ~20% on @UTechStables $U with Lista?

Simply follow these steps:
1️⃣ Collateralize supported assets like BTCB, slisBNB, PT-USDe, solvBTC, and more.
2️⃣ Borrow $U at rates as low as 0.04%.
3️⃣ Deposit the borrowed $U into HTX Earn (+20%).

U Vault: https://t.co/rGknYRO7ji
HTX Earn:

#ListaWeeklyRecap Jan 9, 2026

🗳 **DAO & Governance**
- Week 77 veLISTA Rewards: ~350K $LISTA yielding 38.45% APR
- Security Insight: Taking A Deep Look into Lista DAO Security

🏦 **Lista Lending**
- Update: Published Classic Zone Overview
- Calling @binance Square Creators: Share your USD1 Earn Strategy (Pool: 116,270 $LISTA)

🌐 **Ecosystem**
- News: slisBNB & slisBNBx Qualified for @brevis_zk $BREV HODLer Airdrop

#ListaWeeklyRecap Jan 9, 2026

🗳 **DAO & Governance**
- **Week 77 veLISTA Rewards:** Approximately ~350K $LISTA are being distributed with an APR of 38.45%.
- **Security Overview:** We have released a comprehensive report titled "A Deep Look into Lista DAO Security."

🏦 **Lista Lending**
- The **Classic Zone Overview** has been officially published.
- **@binance Square Creator Task:** You are invited to share your USD1 Earn Strategy to participate in the 116,270 $LISTA Pool.

🌐 **Ecosystem**
- Both slisBNB & slisBNBx have successfully qualified for the @brevis_zk $BREV HODLer Airdrop.

Discover the Classic Zone on Lista Lending

The Classic Zone serves as the primary hub for standard lending and borrowing on @BNBCHAIN. While areas like Alpha, Aster, or CDP cater to specific niches, the Classic Zone is designed specifically for blue-chips, PTs, and stablecoins.

**How to utilize it:**
🔹 **Passive Earn:** Supply your assets to accrue interest from borrowers.
🔹 **Unlock Liquidity:** Collateralize holdings such as BNB, BTCB, or others without the need to sell your bags.
🔹 **Looping Strategies:** Make use of various yield-bearing assets and the low borrowing rates available on Lista.

**Understand the metrics:**
1️⃣ **LLTV:** This indicates the maximum limit you can borrow relative to your collateral.
LTV = Total Borrowed Value / Total Collateral Value

2️⃣ **Borrow Rates:** The Borrow Rate represents the annualized cost paid for your loan. It is completely automated and driven entirely by the market, ensuring fair pricing for both borrowers and suppliers.

Asset swapping on Lista is now easier than ever.

Swap assets directly on Lista and effectively put them to work via lending, liquid staking, or yield strategies.
🔹 U / USDT @UTechStables
🔹 slisBNB / BNB
🔹 solvBTC / BTCB @SolvProtocol

https://lista.org/swap?utm_source=x&utm_medium=promo&utm_campaign=0108

Prestiti intelligenti, garanzie intelligenti

Sfrutta garanzie dello stile LP per ottenere prestiti con maggiore efficienza:
🔹 Tasso di prestito più alto (LLTV)
🔹 Tassi di prestito più bassi
🔹 Una sola garanzia, più mercati

Adatto agli utenti che privilegiano l'efficienza del capitale ⤵️

A Comprehensive Overview of Lista DAO Security

Security should not be viewed as a singular feature or a one-off evaluation. Rather, it represents an ongoing framework encompassing prevention, vigilance, and proactive measures.

In the year 2025, in addition to our routine audits, we implemented a series of enhancements aimed at refining the protocol's ability to identify and address risks effectively. Furthermore, we launched security improvements designed to bolster the safety of the protocol and expedite our response times.

🔹 The EmergencySwitchHub allows for immediate, targeted pauses whenever potential issues are identified.
🔹 Phalcon (developed by @BlockSecTeam) offers round-the-clock automated risk monitoring.

→ This leads to quicker detection, swifter responses, and enhanced protection for funds.

We also broadened our real-time oversight across significant activities, including:
• Major deposits and withdrawals
• BNB staking transactions
• Essential configuration modifications

Through ongoing reporting related to Smart Lending, Real-World Assets (RWA), and Fixed-Term products, Lista is dedicated to constructing a more secure and transparent DeFi infrastructure—achieved through deliberate actions rather than mere luck.

#ListaDAO #DeFi #Security #Blockchain #SmartContracts

🧠 Understanding Arbitrage in Lending

Many individuals associate arbitrage with the concept of purchasing at a lower price and selling at a higher one.

🏦 However, in the context of lending, arbitrage takes on a different form.
It is primarily recognized as interest rate arbitrage — capitalizing on the difference between borrowing expenses and deposit returns. This strategy remains viable as long as the spread remains favorable.

❓ What Are the Advantages of Lending Over Buying or Selling?
- Lending effectively transfers risk from price fluctuations to the management of capital costs.

When engaging in lending:
🔹 There is no necessity to acquire or liquidate assets.
🔹 Directional price risk is eliminated.
🔹 The focus shifts to managing the spread between assets and liabilities.
🔹 Returns can be summarized by a straightforward formula:
🔹 Net Return ≈ Earn APY − Borrow APR

✨ Illustrative Example: USD1 Rate Arbitrage
A standard arrangement might look like this:
- Utilize BTCB as collateral to borrow USD1 at approximately 1.6%
- Invest the USD1 into Binance Earn at roughly 20%
In this scenario, USD1 is not treated as a speculative asset, alleviating concerns about the price movements of any asset.
🔹 On the liability side: borrow USD1 with a clear and known cost.
🔹 On the asset side: channel USD1 into a higher-yielding opportunity.
🔹 The interest spread serves as the foundation for arbitrage profits.

Please note: By using sUSDe as collateral, you can also earn airdrop points in addition to the interest spread.

# Lista Weekly Recap January 2, 2026
Wishing everyone a joyful New Year!

🗳 DAO & Governance
- In Week 76, veLISTA participants earned rewards totaling approximately 362,000 $LISTA, reflecting an annual percentage rate (APR) of 39.55%.

🏦 Lista Lending
- Newly launched markets:
✅ SolvBTC/$U,
✅ PT-USDe-Apr/$U,
✅ PT-USDe-Apr/$USDT,
✅ PT-USDe-Apr/$USD1
- An additional supply exceeding 40 million $USD1 has been incorporated into the $USD1 vault.

🌐 Ecosystem
- The audit report for the Smart Collateral & Liquidators Extension has been published by @bailsecurity.
- The Lista DAO Smart Lending Harvest Campaign has successfully concluded with over 4,000 participants.

"""
Oracles play an essential role in the functionality of any protocol.

The accuracy of pricing is pivotal for ensuring the safety of positions. At @lista_dao, we utilize a multi-oracle pricing system.

Our approach involves aggregating real-time data from sources such as @chainlink, @binance Oracle, @redstone_defi, Api3, and several others.

Reliance on a single source is not an option; a single point of failure should not jeopardize positions.

Here’s how our system operates:
🔹Primary feed: Prices are obtained from a designated main oracle.
🔹Cross-check: Continuous validation of values occurs against a pivot oracle.
🔹Automatic fallback: Should any deviation surpass set thresholds, pricing will immediately switch to a backup source.

Any invalid or manipulated data is filtered out before it can impact positions.
Read more:
"""