Many DeFi beginners are easily discouraged by complex mechanisms, feeling that the risks are too high and the operational thresholds are too steep. However, in reality, through some relatively mature ecosystem solutions, ordinary users can achieve steady returns with relatively low complexity. Based on my personal experience, I will discuss how to realize financial gains on BNB Chain through staking and lending.

The core process is actually quite straightforward. First, you need to prepare assets on BNB Chain—BNB, ETH, or USDT are all acceptable. Then, connect your wallet to access the platform page, and select the assets you want to stake. A particularly important detail here: setting the collateralization ratio is crucial. It is recommended to keep it above 150%. Better to be conservative than aggressive. After setting this up, you can borrow stablecoins, which can then be used in liquidity mining pools to earn token rewards.

If you've used Metamask or Trust Wallet, the operation difficulty is not high. The platform interface is also quite clear, and following the steps usually poses no problem.

Risk control is the key. The most common risk in DeFi financial management is "liquidation"—when the value of your collateral drops too sharply and falls below the liquidation threshold, the system will forcibly sell your assets to repay the debt. However, as long as you regularly check your collateralization ratio, and promptly add collateral or repay debt during sharp price fluctuations, this risk can be completely avoided.

In summary, there's no need to think of DeFi as so complicated. Find the right entry point, set good risk control parameters, and monitor your positions regularly—beginners can also participate steadily.