In the complex and feature-rich DeFi ecosystems that can make your head spin, Lista DAO takes a different approach — its logic is as simple as it gets: Collateralize assets → Borrow USD1, that’s all there is to it.

Doesn’t it seem too plain? But it’s precisely this restraint that is the true source of competitive advantage.

**Why is minimalism the strongest?**

Let’s start with user experience. You don’t need to study complicated cross-chain combinations, nor do you have to understand a bunch of derivative strategies. Just focus on one core logic — use mainstream tokens as collateral, borrow stablecoins at low cost, and earn yields through financial management. Beginners can use it, seasoned players can use it too. Plus, fewer steps mean fewer chances for errors, which actually enhances security.

Looking at market performance, when the protocol invests all resources into optimizing interest rates, expanding collateral pools, and strengthening security systems, what does focused breakthrough mean? A TVL of 4.3 billion, nearly 1% lending rate — this is the result of concentration. Some protocols try to do everything, but end up mediocre in every area; meanwhile, Lista dominates the core track, becoming the infrastructure foundation of the entire ecosystem.

**What’s the most wonderful part?**

Minimalism doesn’t mean limited functionality. On the contrary, it opens up the greatest space for composability within the entire ecosystem. By focusing on perfecting "credit generation," other applications can build freely on top of it. This is the true essence of modularity.