2026-01-17 05:29:04

The market continues to fluctuate, and the direction is unclear. Recently, I find myself increasingly reluctant to put all my money into highly volatile assets. After repeated contemplation, I came up with a question: Is there a way to generate stable returns without frequent trading and risk avoidance?

I found the answer through my practice with DeFi protocols like Lista.

**Why focus on these types of protocols?**

Most projects in the DeFi ecosystem are competing for yield, but Lista has chosen a different path—pairing extremely low borrowing costs with stablecoins. When I first saw that the annual interest rate for USD1 loans remained around 1% for a long time, I understood: this is not just a simple financing tool, but a machine that can sustainably generate cash flow.

What does low interest mean? It means you can use mainstream assets like BTC, ETH, or BNB as collateral to activate idle funds, allowing them to generate liquidity and appreciation opportunities.

**My core idea is very straightforward**

Step 1: Use blue-chip assets (BTCB, ETH, BNB, etc.) as collateral.

Step 2: Borrow USD1 stablecoins at extremely low interest rates within the protocol.

Step 3: Invest the stablecoins into certain financial channels to earn returns.

What’s the brilliance of this logic? A 1% borrowing cost compared to 3-5% stablecoin yield from financial products, the difference is your net profit. No matter how the market fluctuates, this money keeps working for you.

The key is—no frequent trading, no betting on market trends, risk is controllable, and stable income can be generated. This is the strategy I have been experimenting with and optimizing recently.

LISTA14,84%

USD10,01%

BTC0,84%

ETH1,67%

View Original

This page may contain third-party content, which is provided for information purposes only (not representations/warranties) and should not be considered as an endorsement of its views by Gate, nor as financial or professional advice. See Disclaimer for details.

11 Likes

Reward
11
5
Repost
Share

Comment

0/400

LiquidityWitch

· 7h ago

1% borrowing cost directly outperforms other market options, I need to try this operation 2. Basically, it's about earning the interest spread on assets. Lazy people’s earning plan is indeed pretty good 3. Finally seeing someone tired of leverage games, more and more rational players 4. Keeping USD1 stable at 1% is really amazing, this is what DeFi should look like 5. Just earning the spread without trading coins sounds easy, but execution is the key 6. Wait, this logic feels a bit like free-riding on the market 7. Wow, someone finally explained arbitrage clearly, I’ll DYOR 8. Speaking of which, is the risk really controllable? I always feel there’s a trap somewhere 9. Stablecoin investment yields 3-5%, where does this data come from, is it reliable? 10. Lista really took low-interest play to the next level this time, worth paying attention to

View OriginalReply0

gaslight_gasfeez

· 10h ago

Is a 1% borrowing interest really that stable? Feels like there are still risks involved. --- Sounds good, but I'm worried about Protocol issues... How to handle that? --- How is the collateral liquidation risk calculated? --- This set of strategies isn't really different from traditional financing, right? --- Why not just stake directly? Why go through all these hoops? --- Can 1% really be maintained long-term? Feels too good to be true. --- The USD 1 borrowed still needs to find a good investment channel. Which one is reliable? --- When the market drops, automatic liquidation happens. It's not that simple, right? --- Where does the 3-5% return come from? Is it really stable? --- Isn't this just leverage? Why not say it clearly?

View OriginalReply0

ShibaSunglasses

· 10h ago

1% borrowing cost paired with 3-5% returns, this arbitrage strategy really works, a must-have for lazy people 2. Not overthinking and frequently operating, letting the money generate more money, I like this approach 3. Using blue-chip collateral to borrow stablecoins and then investing, it's like nested arbitrage, sounds simple but actually has some substance 4. Wait, can such a low borrowing cost really be maintained long-term? Aren't you worried about sudden risk spikes? 5. I also tried Lista, the key is to find reliable investment channels, otherwise the profit margin disappears 6. This is the legendary on-chain carry trade, but what if liquidation risk occurs? 7. Finally, someone is telling the truth, no need to watch the market every day, this is true passive income 8. Can 1% still be called low interest? I've seen 0.5%, but stability is indeed average 9. With such low capital costs, you have to ask how the protocol's liquidity is, don’t end up unable to borrow 10. The arbitrage idea is solid, just worried about investment channel failures, diversifying risk is the most important

View OriginalReply0

rugged_again

· 10h ago

1% interest spread sounds comfortable, but has anyone really calculated the risks of stablecoin investment? --- Borrowing money to trade crypto just for a different shell, the essence hasn't changed. --- I just want to ask, who will bear the cost if the USD1 peg is depegged? --- It's just a low-interest trap; there's no free lunch in the world. --- Another "passive income" dream, wake up everyone. --- The price difference strategy is good, but what do you do when the lending protocol crashes? --- This operation process is no different from leveraged lending; risk prevention is still necessary. --- It looks stable, but actually it's betting that the stablecoin won't collapse.

View OriginalReply0

MEVHunterLucky

· 10h ago

1% interest lending and then earning 3% through financial management, the spread is steady. I love this logic. --- Wait, what about the stability of USD1? Could it collapse again? --- Another low-interest protocol. This kind of arbitrage opportunity should have been fully exploited long ago. Is there still such a big gap now? --- Borrow stablecoins with BTC collateral and then invest in financial products. Is this still considered risk-controlled? What about smart contract risks? --- This is interesting. I’ve found a way to make money while idling. --- I just want to know if these 3-5% financial products are really reliable or if I’ll end up losing everything. --- Are stablecoin financial yields really that high? It feels a bit too good to be true. --- The era of chasing high yields is over. Now everyone is into low-interest arbitrage. --- The idea of lista is really tempting, but I’m still hesitant. --- Price difference arbitrage sounds simple, but how complex is the actual operation?

View OriginalReply0