Recently, I came across an interesting financial portfolio that’s worth breaking down.

ListaDAO, in order to capture market share, has pushed the lending rate for slisBNB down to 0.41%. This number seems insignificant, but from a different perspective—lending 1 million with an annual interest of only 4100 yuan is basically free funding. Meanwhile, a leading exchange has increased the yield on USD1 to 20% to promote it.

When these two numbers are combined, it’s mind-blowing.

The strategy isn’t complicated: First, deposit BNB into ListaDAO to generate slisBNB, earning a 7% staking reward. Second, use slisBNB as collateral to borrow USD1 at a cost of only 0.41%. Third, deposit the borrowed USD1 into that financial product to lock in a 20% annualized return.

With this setup, your BNB assets are always in your hands, ensuring you don’t miss out on any gains in a bull market. At the same time, you gain an additional stable cash flow of 20%, effectively making money out of thin air.

But such opportunities have a natural enemy—time. These low-interest + high-yield windows usually only exist in the early stages of project promotion. Once the liquidity pool is full, interest rates will instantly adjust, and the good times will come to an end. Instead of waiting until the interest rate rises to 10% and regretting it, it’s better to seize the opportunity while there’s still room.