Want to make money through lending? The key is to keep your costs as low as possible and then earn high interest elsewhere. Today, we'll break down several strategies, from stable to aggressive, to see which type of player you are.

**The Most Stable Approach — Lazy Strategy**

Use blue-chip cryptocurrencies like BTC, ETH, BNB as collateral to borrow USD1 stablecoins. The borrowing cost is only 1% to 2.3%. Then, put these into a major exchange’s Earn product to earn 20% annualized. This way, just from the interest spread, you can achieve about an 18% annual return.

What’s the core advantage? You still hold your collateral. If the coin price drops, the collateral remains yours. If the coin price rises, you earn yield while your assets appreciate. As long as you don’t push the collateral ratio too high (recommended not to exceed 50%), it’s basically a no-brainer.

**Advanced Strategy — Layered Income**

The idea here is to use interest-bearing assets directly as collateral. For example, certain USD derivatives or yield tokens that generate income on their own. Then, you borrow USD1 against them and continue to earn high interest.

It’s like earning money from three sources: the yield of the native asset, the interest from lending USD1, and the interest rate spread. In practice, many can reach a combined annualized return of 19% to 22%. This combination feels like discovering a small printing press.

**Aggressive Strategy — Leveraged Loop**

Use liquidity tokens related to BNB as collateral, pushing the borrowing cost down to 0.4% to 1.6%. Then, leverage 2 to 3 times. Theoretically, annualized returns can exceed 20% or even higher.

But this approach also increases risk. A market dip can trigger liquidations easily. You need to monitor your collateral ratio constantly, and your position shouldn’t be fully maxed out. This is suitable for those who are very bullish on BNB and willing to tolerate volatility.

**A Few Must-Remind Points**

No matter which strategy you choose, never put all your assets at risk. Regularly check your collateral ratio, especially during volatile market swings. Keep some cash as a buffer, and beginners should start with small amounts.

In simple terms, Listen DAO has driven the cost of borrowing to rock-bottom levels. Your job is to take this cheap money and put it to work earning higher yields. For stability, use the first method; for maximum pursuit, try the second or third. This current time window is indeed good — it’s time to get moving.