2026-01-07 15:21:45

At the start of 2026, many arbitrage opportunities have emerged in DeFi. Today, I want to discuss a relatively safe strategy—using BNB as collateral to borrow USD1 at low interest on a lending protocol, then placing it into a top-tier exchange's financial product to earn the interest spread.

**The core logic is simple**: Currently, on lending platforms like Lista DAO, you can use BNB as collateral to borrow USD1 at an approximate promotional interest rate of 3.5-4% (down from over 5%). Meanwhile, some financial products offer USD1 promotional yields of up to 20% APR. By balancing these, a stable annualized interest spread of 16-18% can be achieved with relatively controlled risk.

**Why choose BNB?** BNB is the native asset of BNB Chain, with deep liquidity and relatively mild volatility. On lending protocols, BNB's LTV (Loan-to-Value ratio) is set quite high, meaning you can borrow more USD1. Importantly, staking rewards on BNB chain continue to accrue even after collateralization, not affecting your passive income. Calculated overall, this strategy is quite cost-effective.

**Operational steps**:

First, prepare your assets. Your wallet needs to hold enough BNB. If you want to participate in higher-yield financial products, it’s recommended to have at least around $2000 worth of BNB, enabling you to borrow over $1000 USD1.

Next, access the lending platform. Connect your wallet (any wallet supporting BNB Chain works), go to the lending module, find the USD1 vault, and select BNB as collateral. The process is similar to common DeFi operations—authorize, collateralize, and borrow, in three steps.

Then, transfer the borrowed USD1 to the financial product. Choose those with higher yields during the promotional period, usually with short lock-up durations.

**Points to note**: Although this arbitrage strategy is relatively low risk, it’s not completely risk-free. USD1 is still an asset; if the protocol encounters issues or the market experiences sharp fluctuations, losses are possible. Additionally, promotional interest rates are usually time-limited, so don’t expect the 16-18% yield to last forever. When participating, be clear about your risk tolerance.

BNB5,29%

USD1-0,04%

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DuskSurfer

· 01-10 15:17

Here comes the same old trick to cut leeks again. How long can this 16-18% promotional rate last? --- Oh my goodness, is this interest margin really that stable? I always feel like something's off. --- Starting with $2000, small investors will have to step aside again. --- After the promotion period ends, it drops straight back to the cost line. I bet five bucks. --- USD1, this thing doesn't seem that reliable. --- Thinking of the last Luna, feeling a bit timid and afraid to move. --- The borrowing risk section is written way too casually. Is it really that controllable? --- But BNB's liquidity is indeed solid, no complaints there. --- Risk warnings need to be more aggressive to prevent misleading newbies into traps. --- Contract risk is the main issue. Even with high interest rates, you still need to survive.

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BearEatsAll

· 01-09 15:16

This strategy sounds good, but what happens after the promotion period ends? What if the spread narrows then...

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SleepTrader

· 01-08 08:26

16-18% sounds pretty attractive, but after the promotion period, do you have to find work again?

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ChainComedian

· 01-08 00:15

Wait, the promotion price has ended. How do we handle this? Can this profit margin still be maintained?

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PoolJumper

· 01-07 15:51

16-18% sounds good, but after the promotion period, it’s cut in half—just the old trick. --- BNB staking rewards are still there, which is pretty good—equivalent to dual income. --- Starting with $2000? Not everyone can play that game. --- Can you really trust the stability of USD1? Aren’t there frequent protocol crashes? --- In practice, it’s more complicated than it sounds—gas fees and slippage need to be considered. --- This is the new tactic of leading exchanges—using promotional rates to attract traffic. --- The statement that risks are relatively controllable is a bit vague—how much drawdown can it actually withstand? --- Lending rates are still falling; how long can this spread last? --- Feels like they’re betting that the promotion period won’t end too quickly.

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GasFeeCryer

· 01-07 15:50

Another arbitrage opportunity, this 16-18% sounds great but it depends on how long the promotion can last, honestly. --- BNB liquidity is deep, which is reliable; just worried about USD1 suddenly having issues. --- Conservative players can give it a try, but just keep an eye on the liquidation price to avoid getting wrecked. --- Starting at $2000 requires a lot of capital, small players might want to skip it. --- It's easy to say, but protocol risk is really easy to overlook. --- Once the promotion rate ends, everything's gone; don't be fooled by the annualized rate. --- This logic is basically betting that the promotion won't go offline, which is a bit risky. --- On-chain staking can still earn rewards, and this design is pretty good. --- USD1 stablecoin has to be truly stable; once it de-pegs, it's over.

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GasWhisperer

· 01-07 15:50

nah the promo rates always rug when everyone piles in... watched this movie before fr

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notSatoshi1971

· 01-07 15:43

It's just borrowing at low interest and saving at high interest. It sounds great, but once the promotion period ends, it's all over.

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VitaliksTwin

· 01-07 15:41

It's the same old trick, once the promotion period is over, it's goodbye. 16-18% sounds great, but in reality, the promotion collapses right after it ends. I just want to ask, is this stablecoin worth a USD1 truly stable? Can you really lock in this interest rate all year round? Dream on. It sounds simple, but the actual operation is full of pitfalls. This strategy is just betting that the promotion period won't end too soon. A $2000 threshold is a bit high; small investors can't afford it. Is the risk controllable? I think it's more about risk transfer, right?

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NFTBlackHole

· 01-07 15:39

Wait, after the promotion period ends, the returns will be cut in half. How will the accounts be settled then? 16% sounds great, but it might just be an illusion. Smart players know this trick, the key is to hop on before the promotion period ends. Is USD1 stable? What if it de-pegs? With BNB's LTV so high, isn't there really no need to worry about liquidation risk? In the end, it's still a gamble on how long the promotion period can be maintained.

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