**Three Layers of Yield Stacking: How Does the Lista Ecosystem Safely Make Money?**

Recently, the borrowing cost for Lista's USD1 stablecoin has been pushed very low. Coupled with a major exchange's wealth management products, it can indeed create quite a few tricks. Instead of dreaming blindly, it's better to look directly at three practical strategies.

**First: Conservative Passive Income**

Use BTC, ETH, or BNB as collateral to borrow USD1 from Lista, with a cost of just 1 to 2 percentage points. Then, transfer it into a major exchange's wealth management product to earn 20% annualized return. Calculated this way, the net profit can reach about 18%. The key is that the coins stay in your hands; if the market rises, you earn along with it; if it falls, you won't be forcibly liquidated. It's a pure "sit back and earn" logic.

**Second: Interest-Bearing Assets with Compound Interest**

This is slightly smarter. Use assets that are already generating interest as collateral—such as PT-USDe, asUSDF, or USDe—and then borrow USD1 based on that. Finally, invest it into wealth management products. This way, you enjoy three layers of yield, with an annualized return of 19% to 22%. Honestly, many people are quietly making big money without shouting about it.

**Third: Leveraged Amplification (High Risk)**

Use slisBNB or BNB LP as collateral, with borrowing costs reduced to around 0.4% to 1%, then cycle with 2 to 3 times leverage. The profit ceiling can reach over 20% to 25%. But once BNB fluctuates, the risk follows. Liquidation can happen suddenly; only hardcore BNB believers with strong nerves can play this game.

**Three Iron Rules, Remember Not to Blow Up**

For conservative strategies, keep collateralization below 50%. For aggressive operations, avoid full-position leverage. Regardless of the approach, always keep some cash on hand as emergency funds. This window of opportunity is indeed attractive, but greed is truly the root of all evil.