The lending ecosystem on BNB Chain has long been suppressed by the traditional peer-to-pool model, where users either face exorbitant interest rates or are forced to accept inefficient capital flows. This situation only improved with the emergence of new P2P lending protocols.

Lista Lending is such a challenger. It directly connects borrowers and lenders, cutting out redundant middlemen. The borrowing interest rate can be pushed down to 0.84%, with capital utilization stabilized at 90%. What do these numbers indicate? That no money is sitting idle; every deposit is operating efficiently. In just four days since launch, it attracted $189 million in deposits, and later the TVL even surpassed $4.3 billion, showing market approval.

The brilliance of this system lies in the separation of the treasury and the market. Lenders' funds are no longer passively sitting in the protocol but are precisely matched to borrowers with real needs. Multiple oracle systems adjust interest rates in real-time, with no lag and no mismatches. For comparison, a leading exchange’s lending products can have interest rates soaring up to 30%, making the gap clear.

The USD1 ecosystem provides solid support for this protocol. Users can enjoy the low 0.84% interest environment through the USD1 treasury, and also use BNB treasury to collateralize assets like BTCB and slisBNB to obtain liquidity. This is not just lending; it also opens the door to participate in more ecosystem activities.

Ultimately, Lista DAO uses technology to break monopolies, giving the traditional high-interest lending market a real competitor. Both lenders and borrowers win, making this a truly sustainable model.